Monday Money Nuggets – Episode 3

Our resident finance enthusiast, Wale will be sharing his ‘Monday Money nuggets‘ through the month of June.

Hope everyone is excited to learn from Wale’s experiences and insight.

Disclaimer:

This is not financial advice but simply someone sharing their experience and perspectives on money matters.

Enjoy and learn something new 🙂

This topic among young adults has always made for an interesting conversation.

In the previous episode, I had mentioned that most people would at some point like to get married. With this in mind, I believe it’s important to learn about finances in Marriage.

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First, like any counsel an intending couple will get is the criticality to discuss and align money philosophies before getting married. In my little marriage experience, I find that you will probably always have to discuss finances even after getting married depending on how things are structured.

The common theme these days is that money has its individuality in marriage. Well, scripture says in marriage you have become ONE. No matter the new generation interpretation you want to give to it, it doesn’t exclude money. As a matter of fact, statistics have shown money issues as a top reason marriages dissolve in North America.

It means aligning with your spouse on money matters can by itself reduce the probability of a breakup.

One of the adjustments I had to make in marriage was increasing my spending. In the previous episodes, you’ll see I had created a pattern of spending over time, so having to spend more was initially uncomfortable for me. My student and single working professional grocery shopping list was fine with me but with my wife, it was totally different. The good thing was I already took advantage of the counsel I received from a number of married people, coupled with external resources, to get a rich understanding of how money worked in marriage so it wasn’t a big deal adjusting.

So, if you haven’t been married before, don’t think you know it all by refusing counsel from those ahead.

I got an interesting revelation from a money radio I was watching sometime. They had done a study on millionaires in the US and on a particular episode, millionaires called in. While they talked, I picked on a certain word most of them used, “WE are millionaires“.

In their explanations, I deciphered that while one person was actually the one who was able to get the finances to qualify as a millionaire, it was still seen as both spouses were millionaires, and yes of course, because two have become ONE.

I personally believe that aligning finances and financial decisions in marriages has the ability to create wealth in itself.

There is also a difference when you and your spouse agreed to a financial decision (investment) which later backfired, the pain of loss is different from when one person was in disagreement.

The way money is handled in marriage will likely be different and unique for every marriage, however, the underlying factor that makes it work and create wealth for you is ONENESS.

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Bonus for Intending couples  – Use this to understand your money philosophy and ensure you discuss with your partner so you synergize.

#SeekGodMore

Mo 🙂

Monday Money Nuggets – Episode 2

Our resident finance enthusiast, Wale will be sharing his ‘Monday Money nuggets‘ through the month of June.

Hope everyone is excited to learn from Wale’s experiences and insight.

Disclaimer:

This is not financial advice but simply someone sharing their experience and perspectives on money matters.

Enjoy and learn something new 🙂

Photo by Daria Obymaha on Pexels.com

So, you are done with school and now in the Job environment making some cool or hot cash. It’s time to spend the money you have worked hard in school for, right? 

Within a few months, you are about to realize the responsibilities of Adulthood – shey they told you to be responsible since, you refused😋. 

A quick rude shock, especially if your parents decide that it’s time to be independent once you start working, is the expenses you will bear on your own. Before now, you were spending like Hushpuppi, now it’s time to get real. 

Canadian graduates typically will have the opportunity to earn a salary relatively decent for a young single professional. How and what you decide to do going forward will determine how fast money works for you. 

Now, one question I always had was, as a young professional, how much is enough to save. This really depends on your goal. Is a $200 savings out of a $4000 monthly check enough? Maybe/Maybe Not? 

One thing I’m sure of is building wealth and financial freedom aren’t an accident. It requires Delayed Gratification – a word that appears to have disappeared from the woke young generation. 

As I entered into the professional space earning a decent average figure, I had ONE plan. Like they say, if you fail to plan, then you are planning to fail. 

Save at least half of every month’s check.

Your eyes are probably rolling seeing this statement, but I’ll show you how super possible this is. It all comes down to your goals for money. For me, I got to understand the power of real estate as an investment and how that can help fuel financial freedom. 

If you want to save half of your monthly check, a simple step to follow is:

a. Track your expenses

– Write out everything you spend on in a month, I mean EVERYTHING. 

b. Budget your expenses.

–  Find a way to merge all of your expenses into one paycheck. Most of the time, you get paid bi-weekly or bi-monthly in Canada. I like to use the bi-weekly check as my expense limit though, because it gives you 2 additional paycheck savings in the year, if you follow the strategy.

c. Do a weekly/bi-weekly review of your bank account and credit cards 

– Sometimes certain charges or deductions are applied without you knowing, and getting on it fast can save you some money. 

– With the popular use of credit cards, you’re liable to spend more than you have budgeted, so constant checks to see your balance during the month allows you to stay on course. 

Why was I doing this?

1. Save and Invest Money for Wedding Expenses.

I like to believe that the majority of people would like to get married someday. For me, I had planned to work for about 2-3 years before getting married. As a result, I wasn’t going to wait until the date of the wedding had been set before I started saving. 

Having a rough idea of the amount I would need for a wedding, I saved a large sum of money over some months and invested it until it was time for the wedding. Talk about free money😉 

2. Save up for Down Payment of a House

As a young professional, I wanted to buy a house as quickly as possible, so I ensured not to change my status even after graduating. I stayed back at a shared residence and kept the same car I had as a student. Doing this enables you to get maximum savings on your paycheck, and cut back expenses on rent which is the largest expense typically. Doing this for a year, I was able to save enough money to buy my first property. 

Bonus Point – Invest your savings as much as you can in whatever works for you, however, make sure you invest in something you understand. Read about the investment, understand it to an extent, before putting your money in there. 

In closing words, live below your means and save/invest the difference. 

All of these strategies are still very applicable to me currently. I saw the results and have since implemented this even in marriage, as you’ll see in the next series of Money Mondays with Wale.

#SeekGodMore

Mo 🙂

Monday Money Nuggets – Episode 1

Our resident finance enthusiast, Wale will be sharing his ‘Monday Money nuggets‘ through the month of June.

Hope everyone is excited to learn from Wale’s experiences and insight.

Disclaimer:

This is not financial advice but simply someone sharing their experience and perspectives on money matters.

Thank you!

Photo by LinkedIn Sales Navigator on Pexels.com

Coming to Canada as a student in 2015, I sort of understood the financial implications. 

I remember talking with a friend who already was in Canada who gave me a perspective of how the minimum wage could sustain you as a student. Bam! My mind opened! I started calculating the imaginable possibilities (with a minimum wage) 

Having done my Undergraduate and Nigerian Youth Service Corps (NYSC) program back in Nigeria, basic budgeting, spending, saving were not new concepts to me. Every semester, my parents would give me a little amount to shop for school items and also for stipend in school, but I always looked for a way to save no matter how small. I mean, you don’t want to spend all your money while you are in school and then have nothing during the holidays. Also, getting paid N#19000 during NYSC meant managing finances, so you don’t soak garri (granulated cassava) for the most part of the month. 

Fast forward to being in Canada, I was hungry for a job right off the get go. Fortunately, I got an opportunity to work in a professional space a couple months after I started my Master’s degree program. 

I had financial paralysis at the start of my stay in Canada which is typical amongst immigrants. I just couldn’t bring myself to buy anything. I was converting everything back to the naira equivalent – Biggest mistake😀. My roommate at that time had to force me to start buying things. 

As a student, I had a plan. 

1. Work 

There’s no free money in Canada, so you are rewarded as you spend time working. 

As International students, immigration only allows 20 hours of work time in a week – shey you said you were coming to study, so you cannot be working all day. 

However, during the off-school period, mostly during summer, if you choose to work 24 hours in a day, you are allowed.

This latter part was where I took advantage of, and made about $18000 in one summer. Sounds enticing yea?🤪 

I have also realized that rather than looking for something to do to earn during holidays, young students would rather use this time to flex, and in a twinkle, the holidays are over. A common saying is “I need to relax after such a stressful exam.

While it is good to relax after exams, it is important to make sure relaxing doesn’t become a full blown vacation. 

2. Budget, Leverage Opportunities and Save

I do believe every student has to decide first which direction they want to go financially. Do you want to be that extravagant, flamboyant student or the conservative one? This influences how you budget every expense

Just like I had done when I was still in undergrad, I already understood there was no way I would spend all my monthly stipend without saving some regardless of how small. In my mind, I always had the amount to save less than the total stipend for the month. For example, if $100 can’t cater for your needs, then having $95 won’t make a difference, but that’s a savings of $5. What it requires is cutting your coat according to your size, and cutting down on expenses. I remember I had to move residence at some point because monthly rent was too high. I had to trade the comfort of having more privacy to a shared residence for a while. 

A number of opportunities present themselves in Canada especially when you are a student, and when you are within a community, certain perks could be advantageous.

In my case, I leveraged the opportunity of saving weeks of spending on groceries which came as a result of my community. On several occasions during an event, there would be surplus food at the end, and I leverage that at different times to get a head start on my savings. I saw no reason why as a student, I’d be too concerned about the thoughts of other people towards this action. As a matter of fact, a number of students followed suit after me and started doing this. The effect of this may seem small, but overtime, it accumulates. 

3. Ease the financial burden off Parents

One thing many young students forget is, while this phase is an opportunity to get educated academically, it is also a disguised opportunity for you to start being responsible. Parents do their best to take care of their children’s needs, which is their responsibility. 

As an International student, being in Canada is definitely high maintenance, and a financial pull except if you are a relative of Bill Gates. So, a very good and responsible thing to do is to watch how you spend, and also see ways where you can support your parents no matter how small. 

4. Give to loved ones back home in Nigeria

Finally, even as a student and being in Canada, I was in a better position to help a few people back home. I know the easiest thing to say is, “what I have is not enough for me”, but this is also part of the sense of responsibility I talked about before. A $10 converted to local currency could mean something tangible for someone back home, so it doesn’t have to be a full blown charity.

Again, even as a student, you want to develop the act of giving. This has the ability to essentially shape your financial mindset later as you grow in life as you will see in the next series of Money Mondays with Wale

#SeekGodMore

Mo 🙂

Deep Dive into Proverbs: Appreciation

We made it till the end of May guys! Glory be to God! The plan was to post every day in the month of May and by God’s grace that was possible.

This initiative was also greatly supported and actualized by our awesome guest bloggers, Seyi and Chizoba Adebola (round of applause for them!). The insight, knowledge and practical tips shared and as we studied the book of Proverbs has been incredibly profound.

Personally, I have found myself playing the book of Proverbs through the YouVersion audio bible a lot more in this month, to try and digest this information.

How has this deep dive into Proverbs impacted you?

Of course, it is impossible to digest all the wisdom of Proverbs all at once but it is our life’s mission to find delight in the Word and to continue to explore and search through it all the days of our lives!

You can connect with this awesome couple on various platforms;

Facebook – chizoba.azubogu & seyi adebola

 Instagram – chizobaazubogu & seyiadebola

 Twitter – @cheezyazubogu & @Seyiman

 TikTok – seyiadebola

 YouTube – Seyi Adebola

As we round off this deep dive into Proverbs in the month of May, we once again want to appreciate the Adebola’s for taking the time and effort to provide such a great insight. May God continue to bless and strengthen them and make himself known to them more clearly in Jesus name.

Amen!

Seyi & Chizoba Adebola are a young happily married couple who have dedicated their lives to humbly serving God in different capacities as they come; with complete loyalty and reverence for Him.

#SeekGodMore

Mo 🙂

Proverbs 31

It is indeed interesting how Proverbs 31 happens to be an advice from a Queen, a mother to her son, King Lemuel who was looking to get married.

This goes to show how valuable the lessons learnt from this chapter are considering coming from royalty. Let’s not forget that we also come from royalty, having being bought by the blood of Christ the King who has called us as joint heirs.

I used to be one who thought that the Proverbs 31 woman had such high standards that might be difficult for the average woman to attain and maybe some women still do think this way.

I remember when we were about to get married, I had asked Seyi what kind of woman he wanted and without hesitation he said a Proverbs 31 woman and I almost cried, I felt like there was no way I could be her or make him happy then. But boy was I so wrong! If we measure what we do by Bible standards then nothing stops the qualities of the Proverbs 31 woman from being our standard. If it came from a royal then what stops me from striving to attain such being a royal myself?

Note that this advice didn’t go from a mother to a daughter but from a mother to a son! Ha! This shows that Proverbs 31 isn’t just for women but also for the man who would assist her in becoming the woman described by the grace of God.

The woman here also signifies the bride; the bride whom Jesus the groom will come soon to take home.

Verse 3- Let us abstain from sexual immorality, flee from sexually perversed people whether as singles or when married.

Verse 4-5– Drinking alcohol has always been a bone of contention in churches. But it is written here that drinking wine isn’t suited for a royal nor for a leader because this has a great influence on their rule and decision making which consequently has a negative impact on their followers. Likewise we as Christians (royals) should not desire to have strong drinks like alcohol. 

Verse 6-7– says to let those who are bitter and troubled have strong drinks to forget their worries. This is a pure indicator that alcohols are not meant for those of us in Christ. Christ has taken away all our troubles, worries and afflictions and in Him we have perfect love and peace thus verse 6 shouldn’t be applicable to a Christian (no matter the current situation). Our hope remains in the promises and the never failing Word of our Father the King.

Verse 8-9– Speak up for the weak and those who are unjustly accused. Let us rise in their defense and ensure they get justice.

Verse 10 – A good woman is a woman of strength, adorned with wisdom and wealth, whose values are worth more than trinkets and  jewels.

Verse 11-12 – She is such whose husband has no single doubt in. She not only comforts her husband but exhorts him daily; devotes her life to bringing him good.

Verse 13 – She is constantly immersing herself in what is pure and righteous; enjoys her work and delights in feeding others with spiritual food from the Word.

Verse 15 – A good woman gets up at night and gets spiritual food for the house; she has her devotion with God in prayer and study of His Word. 

Verse 16 – She is quite prudent with what she buys; she sets her heart on a land and diligently labors and plants on it.

Verse 17- 19 – She is fully clothed in strength and might in all she does. She’s got a wealth of experience and her light never goes dim no matter how dark it gets as she heartily works her hands through her work materials.

Verse 20 – She is kind to the poor and helps those in need.

Verse 21– In winter time, she isn’t worried because she already has her house in order. Clothes and coverings are already catered for in advance while she is clothed. In The Passion Translation (TPT), it says;

"She is not afraid of tribulation, for all her household is covered in dual garments of righteousness and grace."

Verse 22 – Her clothing is well sewn of fine and purple linen; a clothing of royalty.

Verse 23-25 – Her husband is well known and highly respected in the midst of elders. Even her works of righteousness benefit her enemies. She isn’t anxious for the days to come because she is fully adorned in power, honor and excellence.

Verse 26-29 – This woman of excellence is full of kindness and wise teachings, always looking out for her family and tries to be there for their needs in such loving ways that her children are her biggest fans and cheers. Her husband does not hesitate nor withhold himself from hailing and calling her “My numero uno, the best of them all”.

Verse 30-31– These last two verses sing of her praise to the world, encouraging all to give her the credit and honor due to her because she has earned it. Her works of righteousness are to be admired and emulated by all. She isn’t all about the charm and beauty of this world but rather of purity and kindness; a virtuous woman at heart who lives with reverence and fear of our Lord.

#SeekGodMore

Mo 🙂

Proverbs 30

Yesterday’s expounded chapter of proverbs was the last set of proverbs specifically written by Solomon. For this chapter of Proverbs, it was written by Agur who was a sage from Arabia of that time. This chapter could be regarded as the sayings or book of Agur.

Proverbs 30:1-3 KJV

The words of Agur the son of Jakeh, even the prophecy: the man spake unto Ithiel, even unto Ithiel and Ucal, Surely I am more brutish than any man, and have not the understanding of a man.I neither learned wisdom, nor have the knowledge of the holy.

The chapter starts out as a conversation between two men: Ithiel and Ucal, about his current state of dissatisfaction with his level of wisdom and understanding.

Then he eulogizes God by pointing out various questions that no being in heaven and earth could ever do:

Proverbs 30:4 KJV

Who hath ascended up into heaven, or descended? Who hath gathered the wind in his fists? Who hath bound the waters in a garment? Who hath established all the ends of the earth? What is his name, and what is his son's name, if thou canst tell?

The answer to Agur’s questions can only be GOD.

Every word of God is pure: He is a shield unto them that put their trust in Him.

Proverbs 30:5-6 KJV

Every word of God is pure: he is a shield unto them that put their trust in him. Add thou not unto his words, lest he reprove thee, and thou be found a liar.

Agur talks about the infallibility and purity of God’s Word. Every word spoken by God has no flaw or error in it. God’s Word can be trusted and holds substance. His  Word works anywhere, regardless of the situation or circumstance. No one needs to add to or subtract from it.

Proverb 30:7-9 KJV

Two things have I required of thee; deny me them not before I die: Remove far from me vanity and lies: give me neither poverty nor riches; feed me with food convenient for me: Lest I be full, and deny thee, and say, Who is the Lord? or lest I be poor, and steal, and take the name of my God in vain.

Agur here makes a sincere and humble request to stay connected with God. He didn’t want to be taken away by the riches of the world and he didn’t want to be in a compromising situation due to poverty that will put the name of God to disrepute.

Is it wrong to be rich? Certainly not, neither is it good to live a life of poverty. But let us be careful not to allow the love of riches (money) take us away from our relationship with God. And we shouldn’t allow poverty into our lives that will make us susceptible to stealing, taking bribes, changing figures and cheating people to make ends-meet.

Proverb 30:10-14 KJV

10 Accuse not a servant unto his master, lest he curse thee, and thou be found guilty.
11 There is a generation that curseth their father, and doth not bless their mother.
12 There is a generation that are pure in their own eyes, and yet is not washed from their filthiness.
13 There is a generation, O how lofty are their eyes! and their eyelids are lifted up.
14 There is a generation, whose teeth are as swords, and their jaw teeth as knives, to devour the poor from off the earth, and the needy from among men.
17 The eye that mocketh at his father, and despiseth to obey his mother, the ravens of the valley shall pick it out, and the young eagles shall eat it.

verse 10 – If you have a legitimate complaint on harassment of any kind or a true report of an illegal activity to make about a team member or colleague to a leader or person in authority, it is wise to make it known without the person being there, else the person will deny and may insult you right before the leader. This is a wise move to make.

verse 11 & 17  –  It is despicable and grievous for any child to curse their father and mother who nurtured, provided and raised him or her. We must honor our parents always and care for them as much as we can.

Long life is promised to those who honor their parents but the life of a child who dishonors their parents will be cut short. 

verse 12  –  13 – No man can be pure, if he is still in sin. Purity of the spirit is only through Jesus Christ and the manifestation of God’s purity in the soul (mind, emotion and will) of a man is when a man turns away from sin and wickedness, yields not to temptation and pursues after God to know Him each day.

If a man without Christ claims to be pure, such a person lies to himself. And if a believer continually and intentionally sins, such a person is living an impure life.

verse 15  –  16:

Grave: until the new heavens and new earth is made by God at the end of time, people will keep dying to be buried in the grave.

Barren womb: No woman barren of children wants to leave this earth without bringing forth a child from her womb.

Pray for every woman you know yet to conceive and be delivered of a child, that God will open their womb to conceive a child and will bring forth at the set time.

Land or Earth: No matter how much water pours from the sky, the earth has more than enough capacity to soak it all down.  

Even when a place is flooded, the water will seep down.

Fire: Unless fire is to keep one warm, pray that none of the property catches fire. If it isn’t put out on time, it will burn everything up to ashes.

And there’s an ultimate fire called the Lake of Fire that will never go out. It will keep burning for eternity. I do not even pray for my enemy to be found in such a place. The lake of fire is reserved for  satan, anti-christ, false prophets, death and hades (place of the dead), cowardly, unbelieving, abominable, murderers, sexually immoral, sorcerers, idolaters and liars. – Revelations 21:8

Proverbs 30:18-20 KJV

18 There be three things which are too wonderful for me, yea, four which I know not:
19 The way of an eagle in the air; the way of a serpent upon a rock; the way of a ship in the midst of the sea; and the way of a man with a maid.
20 Such is the way of an adulterous woman; she eateth, and wipeth her mouth, and saith, I have done no wickedness.

Eagles – they soar in the air. It is so beautiful to behold

Snakes or serpents – make their way sneakily and craftily up on the rock no matter the height, to eat up the eggs of eagles, hawks, etc.

Ship on the sea – now we know by virtue of discovery made by Archimedes. His principle states “that a body at rest in a fluid is acted upon by a force pushing upward called the buoyant force, which is equal to the weight of the fluid that the body displaces.” God created this principle, Archimedes only uncovered what was already existing.

Science cannot be explained in isolation. God was responsible for all creation in the heavens and earth.

An adulterous man or woman: It’s weird that a man who took time to woo his spouse, gets married to her and has kids with her still cheats on his wife. Same goes with a woman. There are faithful spouses who love their significant others but unaware of the latter cheating on them. Worse is that they keep cheating regardless of the sacrifice, love and kindness shown by their faithful spouses. 

Truly, it is a wonder to know that a cheating husband or a cheating wife will put so much effort to cover their tracks and lie just to satisfy their lustful sexual pleasure.

Proverbs 30:21-23 KJV

For three things the earth is disquieted, and for four which it cannot bear:
22 For a servant when he reigneth; and a fool when he is filled with meat;
23 For an odious woman when she is married; and a handmaid that is heir to her mistress.

A servant who becomes a king or a leader is not new to any of us but everyone will always be surprised when a lowly person who was nobody suddenly rises to fame and influence. God is able to make this happen in anyone’s life. 

No one likes it when the wicked still enjoy riches and provisions, even though they are practitioners of evil. For such people, we must leave them to God who is giving them time to repent and turn from their wicked ways.

An unlovable and unaccepted woman still has hope of getting married. There’s still a man who can love and handle such a woman.

Just as a servant or a ‘nobody’ can rise to fame and influence, so also can a maid or servant replace her mistress for good or for bad. 

Examples – a mother who abandons her children and husband to be with her side-lover, can be replaced by the maid who takes good care of the children – This is for good. The common one which is bad, is as a result of an affair between the mistress’s husband and maid. If the mistress has no child for her husband, and the maid has a male child, the unfaithful husband will waste no time bringing her into the house and marrying her to make her his wife. No woman married long enough to her husband will be able to bear this.

Proverbs 30:24-28 KJV

24 There be four things which are little upon the earth, but they are exceeding wise:
25 The ants are a people not strong, yet they prepare their meat in the summer;
26 The conies are but a feeble folk, yet make they their houses in the rocks;
27 The locusts have no king, yet go they forth all of them by bands;
28 The spider taketh hold with her hands, and is in kings' palaces.

What wisdom do these little creatures communicate to us?

Ants – Proactiveness, diligence, planning for the future and advance preparation.

Hyraxes or Rock badgers – determination regardless of their weakness and creativity

Locusts – cooperation, unity and collaboration

Spider – audacity and skillfulness

Common trait of all these little creatures is that they are wise.

Proverbs 30:29-31 KJV

29 There be three things which go well, yea, four are comely in going:
30 A lion which is strongest among beasts, and turneth not away for any;
31 A greyhound; an he goat also; and a king, against whom there is no rising up.

What is majestic about the lion, greyhound, (male) he goat and a king?

Lion – king of the animal kingdom. The lion has enormous strength. And it is able to take down and chase down any herbivorous animal, regardless of its size.

The lion is used as a metaphor to describe Jesus as the ‘Lion of Judah’. The lion symbolizes strength, dominion, royalty and leadership.

Greyhound – A greyhound is a type of dog that was used for hunting back in ancient times. They are very fast when they run. That’s why in our time, they are used for racing.

The Greyhound symbolizes speed, agility and endurance.

(Male) he-goat – The he-goat has huge horns they use in any fight. It never backs down in a fight.

The he-goat symbolizes strength and endurance.

King – Doesn’t need much explanation. Kings command respect, honor and power when they are seated on their throne and when they walk. 

When all these four walk, they walk with pride, elegance and boldness.

Proverbs 30:32-33 KJV

32 If thou hast done foolishly in lifting up thyself, or if thou hast thought evil, lay thine hand upon thy mouth.
33 Surely the churning of milk bringeth forth butter, and the wringing of the nose bringeth forth blood: so the forcing of wrath bringeth forth strife.

verse 32: Never elevate yourself, sing your praises before people, nor glory in your strength. This is not the way of wisdom. The way of wisdom, esteems others above oneself and allows others to sing their praises.

verse 33: Be wary of those who like to push people to become angry, lest there be division in your group, team or church. Stay away from them for such people only seek to cause commotion and trouble.

#SeekGodMore

Mo 🙂

Proverbs 29

For the one who refuses to bend to correction, it is only a matter of time before such a person comes to his or her own destruction.

It is very expensive to maintain and please a ‘side chick’ or ‘lover boy’ that you hide with to satisfy your sinful sexual gratifications. 

A leader who takes a bribe, has set up his or her country, province, city, church, group, team etc. for destruction.

The flattering remarks from people are like a net that traps you from improving or making amendments to your character flaws.

Never be carried away by the good things people say about you. There are still grounds to cover and things to correct. Therefore, always do a personal self examination of your life.

A man of integrity will always be a point of attack or to be killed. 

Therefore, hide under the shadow of the Almighty for protection. 

Most times, the people led by a leader are a reflection of the character of their leader.

Therefore as leaders, we must be true examples of Christ to those who follow our leadership.

Parents, if you think ignoring the stubbornness of your child, while they are young will maintain peace; please think again. 

There will be no peace and rest in your old age when the stubbornness in that child has matured into  rebellion and pride.

Vision is what takes a country, province, city, church, family, team etc. from where they are to a better place or the next level.

A leader without a vision will only lead the people into stagnation, and with time, they will start to regress downwards.

To every leader out there, be a person of VISION.

Ultimately, our vision should be on God and His ways. When this is missing in our lives, we are susceptible to the temptations of satan and prone to being destroyed by sin. 

Our vision on Jesus, prevents us from being swayed by the tricks of the enemy. Let’s always fix our eyes on Jesus, who is able to communicate the life of God to us.

Treat all men well, but ensure that in your relationship with people they are clear and cognizant of their boundaries and rights.

If a person acts as an accomplice to a thief or to someone else to steal, he or she is also a thief.

The fear of man can make a person do things against their will and God’s will.

Fear no man about what they are able to do, only trust and put your confidence in God. Only FEAR GOD.

God who is the supreme judge and the ultimate dispenser of justice can be trusted to fight our cause and be rewarded by men of this earth at the due time.

Bless the day, we gave our hand in marriage to Jesus to become one with Him in our spirit. The day we changed kingdoms to be in a relationship with the Father and submit to the Lordship of  Jesus Christ. Bless that day!

Well, that same day you came into opposition with ways and people of the world. Why? Because of the righteousness of Christ you carry.

Everything you do and say will always be different from the ways of the world. We are longer friends with the world, when we turn to Jesus Christ. 

#SeekGodMore

Mo 🙂

Proverbs 28

Those who live and uphold the righteousness of Jesus Christ have nothing to fear.

It takes understanding, discernment and knowledge to maintain order and to continue the existence of anything created, built and formed.

For the one who steals, keep stealing. But know that God will cause all the wealth stolen to fall into the hands of a person that will be very kind to the poor.

A person living in disobedience and praying all day and night, is sincerely wasting his or her time. 

Plead for mercy, turn from your old ways and live in obedience to the Lord, and your prayers will be answered by Him.

God cannot bless or use a person, whose mind is closed or whose heart is hardened towards Him. Such a person must give up their will for God’s will.

Pray always for the incoming leader of your country, province, city, church, groups, teams etc. You don’t want to be under the leadership of a wicked person. A wicked leader only occupies that seat of leadership for their wicked schemes, selfish gains and evil ambitions.

A man who kills or murders a person, will forever be tormented by guilt. Strike no man to death, no matter what they have done.

When sin lurks within a person, it is easy for that person to be trapped by deceptive schemes of evil people.

God is the source of all that we have, we should never hold back our resources when it is in our power to give.

Be fair to everyone who comes your way. Never show partiality towards a person over another person. It is heartbreaking and offensive.

Hastiness to get rich by all means may land one into an irrecoverable situation that will make him or her even poorer than his or her initial state.

Wealth is built overtime. Be patient when it comes to making money.

There are young people in our time that deceive their parents to collect huge amounts of money just to show off, buy expensive stuff and  waste it at different parties: This is very wrong and appalling. A child who does this will only end up in ruin.

The Lord is committed to prosper those who put their entire trust in Him. 

Trust in God at all times.

#SeekGodMore

Mo 🙂

Proverbs 27

The possibility of anything we want to do, where we want to go, how things will play out and why things must take place in ‘tomorrow’ is only by the grace of God. Do not boast about tomorrow.

Let people validate your achievement and speak about them. Do not try to praise yourself.

Love isn’t private. Love is always declared publicly. The one who loves you will be bold to show it in the open.

Stay clear of pretentious people. Their potential hurt on you is devastating. Be very mindful of those you allow into your inner space.

Hunger doesn’t know the difference between sweet and bitter.

The nest is the place of comfort, relaxation and safety from challenges. If one seats in the nest for too long, that person will never learn how to fly like an eagle.

There are friends whose presence warms and gladdens your heart. For these ones, keep them close to you. They are indeed treasures in your life. Family and friends are important in anyone’s life. Do not take them for granted.

As long as earth remains, man would be used to teach, correct, encourage, and instruct another man.

Even the Holy Spirit uses people to preach the gospel of salvation to people. Angels will not do this.

It took God to become man (Jesus) to save man. God always uses a man to sharpen another man.

As team members and followers; if it’s in our capacity or the opportunity presents itself to protect the image and life of a good leader, don’t think twice of doing so. Especially when you know that your leader is doing the right thing.

There’s certainly great honor for the one who does this. Let’s gain wisdom from Uncle Mordecai (Queen Esther’s Uncle) who uncovered the plot against King Xerxes. Even though his good deed was recorded and unrewarded immediately. At the timing of God, one night, God caused the king not to sleep well until he opened the book of annals to promote Mordecai from a gatekeeper to one of the top officials in India and also to take the place of Haman.

The life we live, the things we do and how we behave is a report card of the content of our mind (heart) and our thought patterns.

Let’s be careful where we set our gaze on or upon. We should fix our eyes on things that profit us and renew our minds into forming the nature of Christ in our souls. Above all, let’s fix our eyes on Jesus, the author and finisher of our Faith.

When men praise us, understand that it could be a test of character. Let’s humble ourselves when people praise us.

Foolishness in a person who refuses to change is hard to change. That person needs to come to the point of willingness to exchange foolishness for wisdom.

Leaders do not be fixated on the cloud of leadership. Come down from your cloud and touch base with those you lead from time to time. 

Try to always check on them to know how they are doing and their state of welfare.

As leaders we must understand that we will never occupy a position forever. One day, someone else will replace us and may even do better than what we have accomplished during our tenure.

Therefore, do good, lead well and nurture  those who have been committed under your leadership through the grace of God, and within the timeframe of your leadership.

Proverbs 26

Honor is mutual between the old and the young. Those who sow honor will indeed be honored by others and those who sow dishonor will reap dishonor from others.

Just like respect, honor is earned and never demanded. Therefore honor everyone for their value and their contributions to whatever cause they are called to function in.

Parents ought to be honored. We should never despise them. Let’s seize every opportunity to honor them. By doing so, we are preparing the cloud of honor that will rain on us, when we too become parents.

Do not be afraid of anyone who curses you. As long as there’s no basis for their curse on your end, the curse shall not stand. 

Above all, who can curse the child of the living God, blood-bought by Jesus Christ and sealed by the Holy Spirit, no one. 

If they couldn’t curse the children of Israel under the old covenant, how much more under the new covenant.

Run away and reject every attribute and act of foolishness. It is better to be wise. A life of foolishness will take a person nowhere but to ruin.

Laziness finds every means and opportunity to make excuses.

Not everyone that says “I was only joking” meant it actually. Sometimes, they weren’t and sometimes there’s an element of truth in their joke.

There’s a link between gossip and quarrels. The more the gossip, the more the quarrel escalates. But when there’s no gossip, the quarrel can be easily crushed and forgotten.

Don’t always be carried away by the words from the lips of people. As we know, we have smooth talkers and sweet mouths amongst us. So be more desirous to know the intentions of a man’s heart and not just what they say.

The one who lied against another never loved that person. Be careful of those you call friends or buddies. 

We should never be caught in the web of those that flatter us. We should always be honest and true to  ourselves.

#SeekGodMore

Mo 🙂

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