When struck by misfortune and poverty, many people tend to seek succour in religion or fetish ideologies. To some people who never have the opportunity to become wealthy, money suddenly becomes evil. They usually console themselves with sayings, such as: “money can’t buy happiness”, and “money is not everything”. Quite often, people’s response to financial failure is unnecessary resentment.
Money matters. It always will. We must admit this. So what?
Before you give up and claim this as your destiny, remember even as religious people, we know there are ends and there are means to get to them. So, what happens to money making? Does any kind of religion in the world deny a man from seeking the bounty of the Lord? No! Whether religious or non-religious, good things of the world are there for man to enjoy. Why not probe into why money seems elusive?
It is understandable that getting rich in Nigeria seems to be an uphill task. The system seems rigged against us. We have a government that consumes up to half of that national resources, and corrupt politicians, who care little about the wellbeing of the citizens.
Many Nigerians face the daunting task of making a headway. Setting up a goal on money sure does require some courage. But like any other enterprise, getting rich has its dos and don’ts. As students and young people, we can arm ourselves with tips I have found workable.
First, let us admit we need money. This sounds simple but it’s a great deal. As many prefer to shy away from talking about it, it is never a good idea hiding what you are born with. Every human is destined to crave for convenience. Money buys some comfort. And to deny such is to be ashamed of how we are created. Nothing drives a man to success than a desire to succeed in anything. We must know this; it is a golden rule.
Secondly, we must save money. Remember, as a student, we started accumulating knowledge in ones and twos. The same thing goes for money. Unless some of us have wealthy parents from whom we can inherit property that can fetch us fortunes, there is a need to save the little we have if we want to have a foothold in the financial world. If not, we can be impoverished forever.
Let us kill that monstrous fear now and begin to save, possibly five to 10 per cent of money we have. That is how to get ourselves off the ground, even if we have no one to finance our ideas.
Thirdly, we must suspend desires and buy only what’s necessary. Benjamin Franklin said: “Beware of little expenses; a small leak will sink a great ship.” Most Nigerians live beyond their means of livelihood, believing, erroneously though, that money comes their way by accident and more will come. Well it does come by accident but goes by choice. Until we learn how to live below our source of income, most young people will always have a lean purse.
Investment is another key value we must imbibe. What obviously can we do with our savings? If we ever want cash to always flow in our direction, we must create for ourselves the kind of opportunity we create for others. That is, unless we have something we sell for others, the money we spend will never come back to us.
Make no mistake, investment does not necessarily have to be on buying and selling of goods. A worthy self-improvement pays even more dividends than material goods. Let us take a cue from writers, graphic designers, carpenters, public speakers, etc.
Let us continue to seek for knowledge. This is a must, if we want to improve our condition. Most start-ups lost their money to lack of knowledge. In an intellectual world, everyone who wishes to thrive must seek knowledge constantly to keep up with the pace of a fast-developing world, lest they would be consumed by leaping blindly or get duped by downright liars or fake advertisers. Knowledge gives us power.
Neither in today’s world nor in the past has long-term success ever favoured mediocrity. If it seems to thrive at first, it’s only a matter of time before it gets swallowed by the presence of the originals. Let’s make sure we always give our best to see the best result.
Lastly, we need to place a premium on human relationship. Nothing can be compared to good relationship among humans. No human loves to deal with robotic or emotionless human. Create a cordial atmosphere where people are free to engage you.