The Seven Baby Steps to Begin your journey to financial peace

DAY 18 of 30



Today's post is a guest post. I have chosen to share an interesting article from an infographic / article I read online by Dave Ramsey. Dave has developed the Baby Steps over years of counseling one-on-one, in small group discussions, with real-world live in Financial circles.MOre of the steps can be read at Dave's web page www.daveramsey.com
Enjoy the concise article

Baby Step 1

$1,000 to start an Emergency Fund

An emergency fund is for those unexpected events in life that you can’t plan for: the loss of a job, an unexpected pregnancy, a faulty car transmission, and the list goes on and on. It’s not a matter of if these events will happen; it’s simply a matter of when they will happen. Learn more

Baby Step 2

Pay off all debt using the Debt Snowball

List your debts, excluding the house, in order. The smallest balance should be your number one priority. Don’t worry about interest rates unless two debts have similar payoffs. If that’s the case, then list the higher interest rate debt first. Learn more

Baby Step 3

3 to 6 months of expenses in savings

Once you complete the first two baby steps, you will have built serious momentum. But don’t start throwing all your “extra” money into investments quite yet. It’s time to build your full emergency fund. Learn more

Baby Step 4

Invest 15% of household income into Roth IRAs and pre-tax retirement

When you reach this step, you’ll have no payments—except the house—and a fully funded emergency fund. Now it’s time to get serious about building wealth. Learn more

Baby Step 5

College funding for children

By this point, you should have already started Baby Step 4—investing 15% of your income—before saving for college. Whether you are saving for you or your child to go to college, you need to start now. Learn more

Baby Step 6

Pay off home early

Now it’s time to begin chunking all of your extra money toward the mortgage. You are getting closer to realizing the dream of a life with no house payments. Learn more

Baby Step 7

Build wealth and give!

It’s time to build wealth and give like never before. Leave an inheritance for future generations, and bless others now with your excess. It's really the only way to live! Learn more


ABOUT DAVE

David L. "Dave" Ramsey III (born September 3, 1960) is an American financial author, radio host, television personality, and motivational speaker. His show and writings strongly focus on encouraging people to get out of debt.

Ramsey's syndicated radio program, The Dave Ramsey Show, is heard on more than 500 radio stations throughout the United States and Canada, in podcast format, on IHeartRadio, a dedicated iOS application, as well as live audio and video on DaveRamsey.com.[1][2] He has written numerous books including five New York Times bestsellers. His books and broadcasts often feature a Christian perspective that reflects Ramsey's religious beliefs. Ramsey was named the 2009 Marconi Award winner for Network/Syndicated Personality of the Year.[3]



cheers!

(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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CHOOSE TO BE HAPPY!

DAY 17 of 30

choose to be happy

Many things happen in life which a man might have no control over. However he has control over how
he responds to them. He can choose to be reactive or rather proactive. Effective people in every field are proactive in the face of life's challenges. Choosing to be happy is a proactive approach to life.

Imagine you were a fertile garden that has the potential to bring forth weeds or flowers, which of these two would you rather grow! I bet you will rather be a garden of different beautiful flowers, than be overgrown with weeds and all things negative. You sure are that garden, you are a fruit-bearing tree and today you will choose above all things to be Happy and contented with life, and in this, you will find the positive energy to aspire and be much more than you currently are, remembering that your ‘playing small doesn’t help the world’

While you might not be able to fore tell the outcome of an event with absolute precision, God has given you absolute power and this power is an extension of your ability to choose how you will embrace change and confront the challenges headlong.
Remain unperturbed by the happening of life, your mind is a treasured garden you will constantly guide from the weeds of bitterness, staying happy a recipe to keeping this weeds out and away. If happiness were a choice, wouldn’t you rather choose it now and again? Well, Happiness, sure is a choice.

AFFIRMATIONS!
Some bold confessions might be very useful in times when you are at low ebb. It is a sure way of keeping things in track again. When you choose to be happy you take back your power!

I CHOOSE TO BE HAPPY NOW AND AGAIN !
I CHOOSE HAPPINESS EVERY DAY!
I CHOOSE TO BE HAPPY NOW AND ALWAYS!
I AM A TREE PLANTED BY THE RIVER SIDE BEARING THE FRUITS OF HAPPINESS IN ABUNDANCE!

Choose Happiness!


Emmanuel Ayeni

Your billion-dollar friend







(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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THE POWER OF CHOICE

DAY 16 of 30

“Excellence is never an accident. It is always the result of high intention, sincere effort, and intelligent execution; it represents the wise choice of many alternatives - choice, not chance, determines your destiny.”
― Aristotle

THE POWER OF CHOICE

Man is the greatest of all of God's creatures.He is so endowed and empowered.
Of the greatest of all the many blessings bestowed on us by God is our ability to alter the course of our lives though the power of choice.
I will consider this power of choice from the perspectives of BE-DO-HAVE Philosophy of personal development.

Man can choose to BE. To be is a state of being, this is a component of who you were in the past, who you are in the present and who you
want to be in the future! God has given man the power to influence this amongst all odds through the power of choice.

We can as well choose to do anything within your powers to do. Man can do anything! based on his present level of BEING! If he cannot do it
He just has not become it yet! We can choose to be and to become that which we desire.

Having been and done all within his powers man creates and avenue for himself to have all that comes with it.
So I opine that man can have all he chooses to have by being the kind of person and doing the related actions that are relevant
to him having the object of his desires.


The power of choice is a two-edged sword,which can be used to set about either a positive or negative result.
It is within your power to choose your outcome in every event and even when the outcome is not desirable it has been created by choice either consciously or consciously.


Choose Carefully; choose greatness!

Emmanuel Ayeni

Your billion-dollar friend







(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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KEEP MOVING!

DAY 15 of 30

KEEP MOVING!

“If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward.”― Martin Luther King Jr.

As a young boy in junior secondary school (high school) I learnt to ride a bicycle- yeah! my Dad bought 'us' a couple of those big bicycles...Rally etc. I learnt that if I wouldn’t fall off, all I needed to do was to just move and keep on moving. To gain and maintain balance I had to keep on moving. This, I discover is true for life as well.

No matter where you are, no matter what you do... do not stop. Keep moving.
Keep moving in the direction of your goals. The obstacles not withstanding

Keep moving in the right direction, do no falter do not be weary you might just be steps away from the reward
but often we cannot see the whole picture until we get there. If you keep moving it will unfold bit by bit, there is no telling what can be achieved if you do not stop and keep walking.

At times you might need to move with energy, Success, I am learning loves speed and there is a form of energy which a moving body has, it is called Kinetic energy. This energy is a component of both the mass of a moving body and its velocity.
Some goals in life need more than potential energy (energy the body has due to its position), they need kinetic energy and as a matter of utmost importance, speed!

Never stop, never give up but keep moving. Even if you must slow down, know definitely it's a momentum-building phase. To achieve that giant stride might require you to move as fast as you can and also with high energy.
You can't possibly switch gears if you were not already moving.

So in the words of the sage “If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward.”― Martin Luther King Jr.

Whatever you do and wherever you are; keep moving...forward!


Move to Greatness!

Emmanuel Ayeni

Your billion-dollar friend







(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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QUIET TIME; SOME USEFUL RESOURCES

DAY 14 of 30

It's a great day! I believe it will be a wonderful new week as well.
We live in a fast paced word and without proper plannig, prioritization and rescheduling, we will always seem to have little or no time for things that really matter.

However,amidst our busy schedule, we need a quiet time most importantly the first few parts of the day, preferably early hours or late at night. TO reflect,recaliberate and to be in tune with our spirituality depending on our different beliefs.
As a christian, the quiet time is a time when I pray and meditate on God's word and receive fresh ideas and strength for a brand new day.

At times having some links handy on your tablet, phablet or any other mobile device while commuting can also be of great help.
I have shared below a few helpful devotionals ffrom some of the ministries I follow ffrom around the world, this is just a concise list, other qualities still exist outside this list.


Quiet Time Resources/Devotionals

1. Rhema Kenneth Hagin http://www.rhema.org/index.php?option=com_faithfood&Itemid=19

2.Kenneth Copeland http://www.kcm.org/index.php?p=daily_devotional

3.Open Heavens : 1. Archive: http://oh.rccgnet.org/

4.Joyce http://www.joycemeyer.org/Articles/Devotional.aspx

5. dEREK pRINCE http://www.derekprince.org/Articles/1000086112/DPM_US/Archive_of_UK/Resources/Daily_Devotional/

6.CREFLO DOLLAR http://www.creflodollarministries.org/BibleStudy/DailyDevotionals.aspx?mid=2&month=

7. FRED PRICE http://www.crenshawchristiancenter.net/ccconline.aspx?id=1146


I wish you a productive week!
Emmanuel Ayeni
Your billion-dollar friend


(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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• To make bookings for Emmanuel Ayeni to speak at your Seminar, Conference or event kindly call 07033875827

OWN YOUR LIFE AND CREATE YOUR DREAM LIFESYLE


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Do you want to learn how to live your dreams and generate multiple streams of income by investing little of your time ..Proceed! to the link www.creatingwealth.co/lcp1/emmandus



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THE GREATNESS OF GOD

DAY 13 of 30

And they were all amazed at the greatness of God. -Luke 9:43a (NIV)

On this special day. The LORD's day... I have decided to title today's spirituality post the subject of THE GREATNESS OF GOD . I believe it's a continuous post, it never ends, so I appreciate comments on this subject even as the post continues...
Oh! The greatness of GOD!...




(c)August 2014, Emmanuel Ayeni



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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MENTORING 101

DAY 12 of 30

mentor (noun)
ˈmentɔː(r) ; ˈmentɔːr
an experienced person who advises and helps somebody with less experience over a period of time.

Couple of days ago I was privileged to sit in a mentoring class with my mentor, a Leader, Entrepreneur, Man of God and Teacher of teachers. It was a class that had in attendance a group of other attendees and I had to pinch myself for not being able to attend all the previous ones.

A mentor as defined above in the Oxford dictionary is an "an experienced person who advises and helps somebody with less experience over a period of time". I believe a mentor is a shining light and guide. A proper counsel from a mentor can save you loss of unnecessary resources, this resources might be money, time or even effort.

I learnt so much I wouldn't try to rush it in one article. Some things were new while some were reminders, However, nothing is as important as carefully distilled truth and wisdom at the right time from someone who has been there.

“Tell me and I forget, teach me and I may remember, involve me and I learn.”
― Benjamin Franklin

A mentor is a teacher who involves you in your learning and development and truly he is one good teacher that cannot be substituted with a good book. Mentoring is instrumental to success in any field, even Newton had to sit on the shoulders of other giants.

I still haven't fully recovered from the amazing lessons learnt from the last session yet I look forward to the next sessions that will last for some week, when I hopefully make it into the programme with the selected few.

Keep Learning!

Emmanuel Ayeni!



Join myself and our team at Avenues to Wealth as we work closely with 20 people who are ready to increase their financial intelligence, make extra monthly income of about $1000 or more, secure your space at the link. http://bit.ly/VqbOgh




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Do you want to learn how to live your dreams and generate multiple streams of income by investing little of your time ..Proceed! to the link www.creatingwealth.co/lcp1/emmandus



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