Managing money is a critical skill that affects every aspect of your life. Whether you're just starting out or looking to improve your financial habits, understanding personal finance basics is the first step toward financial freedom. In this post, we’ll break down the key components of personal finance and provide actionable tips to get you on the right track.

What is personal finance?
Personal finance refers to how you manage your money earning, spending, saving, and investing to meet your financial goals. It includes everything from budgeting and saving to planning for retirement and managing debt. Understanding these fundamentals helps you take control of your financial future.

Also Read: https://selar.co/048zi8

Key areas of personal finance include:
- Budgeting: Knowing where your money goes each month.
- Saving: Setting aside money for emergencies or future goals.
- Investing: Growing your wealth through assets like stocks, bonds, or real estate.
- Debt management: Reducing and avoiding unnecessary debt.

Why is personal finance important?
Managing your finances effectively can reduce stress and financial anxiety, help you achieve goals like buying a home, traveling, or starting a business, prepare you for emergencies and unexpected expenses, and ensure a comfortable retirement.

When you take control of your money, you gain freedom and peace of mind, knowing you’re prepared for life’s uncertainties.

Key components of personal finance

Budgeting
A budget is your financial blueprint. It helps you allocate your income to cover expenses, savings, and investments.
To start, track your income and expenses for a month. Categorize your spending (e.g., rent, groceries, entertainment). Set limits and stick to them.

Saving
Saving is the foundation of financial stability. Aim to save at least 20% of your income. Start with an emergency fund by saving 3-6 months’ worth of living expenses. Also, save for specific goals like vacations or a down payment.

Investing
Investing grows your wealth over time, helping you beat inflation. Begin by understanding basic investment options like stocks, bonds, and mutual funds. Stocks are shares in companies that grow in value over time. Bonds are loans you give to companies or governments with fixed interest returns. Mutual funds are diversified portfolios managed by professionals.

Debt management
Carrying debt can hinder your financial progress. To manage debt, pay off high-interest debts like credit cards first. Avoid taking unnecessary loans and create a repayment plan.

Common financial mistakes to avoid
Some common mistakes include living beyond your means, ignoring the need for an emergency fund, not tracking your spending, and relying heavily on credit cards.

Steps to take today
Set financial goals. Decide what you want to achieve financially, such as saving $10,000 in two years. Create a budget by tracking your income and expenses. Start saving by opening a savings account and contributing regularly. Educate yourself by learning more about investing and financial planning.

Also Read: https://selar.co/048zi8

Investing in yourself is one of the most effective ways to achieve financial growth and success. By developing your skills, knowledge, and personal brand, you can increase your earning potential, improve your career prospects, and build a more secure financial future. In this article, we'll explore the best ways to invest in yourself for financial growth.



DEVELOP IN-DEMAND SKILLS

Acquiring in-demand skills is a great way to boost your earning potential and career prospects. Identify areas that align with your interests and strengths, and invest in courses, training, or certifications that can enhance your skills. Some popular in-demand skills include:

Digital marketing
Data analysis
Programming
Cloud computing
Cybersecurity


BUILD A PERSONAL BRAND

Establishing a strong personal brand can help you stand out in your industry, attract new opportunities, and increase your earning potential. Invest in:

Professional networking platforms like LinkedIn
Personal website or blog
Social media presence
Content creation (writing, video, podcasting)


INVEST IN EDUCATION

Pursuing higher education or certifications can significantly enhance your career prospects and earning potential. Consider:

Online courses or degree programs
Professional certifications
Workshops or conferences
Mentorship programs

Continue reading... http://dsmartinfo247..com/2024/08/the-best-ways-to-invest-in-yourself-for.html

Nigerian director and screenwriter Taiwo Egunjobi announces the first screening of his latest title, A Green Fever.
Written by Isaac Ayodeji, A Green Fever tells the story of an architect named Kunmi Braithwaite, played by Temi Fosudo and Ireti, his daughter, played by Darasimi Nadi, who suffers from a rare medical condition. She goes into shock on their journey through the outskirts of Old Oyo, and the father is forced to find shelter in the middle of nowhere.


They are welcomed into a mysterious mansion, and things soon get serious when the true personalities of their host are revealed. Egunjobi, who is known for his works like All Na Vibes (2021) and The Grudge (2016), shared the news in a post on Twitter, thanking the cast and crew for the production, along with the official poster for the film.

Continue Reading...

https://gistdaily.com.ng/2023/11/02/a-green-fever-by-taiwo-egunjobi-will-make-world-premiere-at-afriff-2023/

Another international win for the producers and the Nigerian film industry at large.

CJ Obasi’s Mami Wata is headed to the United Kingdom.
The award-winning West African folklore has been picked up by Aya Films, a UK-based distribution company. A visit to the Aya Film website shows that the black-and-white film will screen across 14 states between November 17 – December 7, 2023.


Mami Wata tells the tale of an African mermaid in a village that runs into chaos due to disagreements between villagers and the goddess’ intermediary over the deteriorating state of the village.

Continue Reading...

https://gistdaily.com.ng/2023/11/02/cj-obasis-mami-wata-is-headed-to-united-kingdom/

In the end, interviews like this help viewers better understand the projects.

Editi Effiong has revealed some similarities with the lead of his global hit, The Black Book.
Responding to the critics of the style of grief exhibited in the movie, he stated that he shares a connection with the main character, Paul Edima, played by Richard Mofe-Damijo.


Speaking with Chude Jideonwo, the producer and director of the popular project said grief was something familiar to him, having lost two dear people to him in painful ways.

In his words, “I read someone in the comments; one says the grief in the black book was so superficial and people don’t grieve like that… No, you do not know grief more than I do. You see, my youngest brother was my first child… I lost him to cancer; it’s the worst way to die.”

Continue Reading...
https://gistdaily.com.ng/2023/11/02/im-familiar-with-grief-editi-effiong-on-the-black-book-lead-role/

If a narcissist abuser finds out that you’re tracking him what will they do?
My husband and I have been trying for a baby for over a year now. He finally admitted to me last night he had a vasectomy. How can a marriage survive this when all I want is a family and he doesn't?
Certainly in agreement with the previous reply. This is deception and the expectation was that you would love him and give up on “motherhood” for him. So, he made sure you got told what you wanted to hear that he wanted you and Family.

I have experienced this with a couple where the woman stayed married despite the deception and things got worse for her. No friends, no family because he really wanted her alone. Later she admitted to living under extreme marital control where all items around home had to be in a place he decided was right and nothing ever out of place was endured. None of this was shown, but after she stayed he got more bizarre. So, she was property and nothing more. Be careful. Deception is akin to getting what one person desires over the truth.

When billionaires want something nice but don't want to pay too much for it, what do they buy?
My wife is a constant source of amazement to me. When I want to do something special for her, or buy her something expensive, she will allow me to spend a fair amount of money, as long as the gift doesn't look expensive. That makes no sense to me. I hate spending on myself, but enjoy pampering her now and then. For us money is never an issue. I mean we can afford anything. The amount is relative to our wealth. I gave her a private island in the Philippines when we retired. The cost was large and she didn't mention the money. When I brought it up to her, her logic behind being silent over a large transaction, was “no one will know the cost but us”! It's hard keeping up with her thinking. She values a dozen roses as highly as an island.

We've been married for 56 years and just about when I think that I have her figured out, she throws me a “change up”!

What happens when a narcissist realizes the tables have been turned on them, they got played, and someone happens to not be as weak as they thought they were?
Are men really attracted to their wives after marriage?
Absolutely not!

My husband joined a new company in April. He came to live temporarily with his parents in the new city, while I stayed back.

It was decided between us that I will stay where I was and our daughter will complete her 8,9th and 10th from that city only.

It continued for about two months. Both of us were somehow managing with fortnightly visits, video calls and several ‘few seconds’calls through out the day

Suddenly one day in June,he called and said “Agarwal Packers and movers see baat kar lee hai . Do din mein niklenge”

( I have talked to movers and Packers. We will leave in two days)

We left the city two days later . When I asked the reason of this sudden change in plan,my husband just squeezed my hand and said “ alag nahi reh sakta main tujhse”. ( I can't stay apart from you).

So, are men attracted to their wives after their marriage?

No ..

What they feel for their wives is much more than attraction. It is something subtle , hushed and deep. It can just be felt in the tightness of their grip,in the deep sigh when they hug you at the end of the day , in their silent happiness around you,in that lazy,slow , meaningful smile….in the thousand little moments which like pixie dust add shine, shimmer,sparkle to an otherwise mundane life.

A word search, word find, word seek, word sleuth or mystery word puzzle is a word game that consists of the letters of words placed in a grid, which usually has a rectangular or square shape. The objective of this puzzle is to find and mark all the words hidden inside the box.

Do you have what it takes to be the winner?

If you are interested, send a message to this number... 09055969665

Topic: Why you should never date your friend's ex

Hello my dear readers...

This topic came on board yesterday in a group discussion and a lot of persons dropped their opinion about it although I stood my ground that I can't date a friend's ex.

For the fact that you can meet your girlfriend before meeting your friend or best is possible but in the case where you knew you best friend first, it will be a big risk to date the ex knowing full well that they can start to catch feelings.

Note that in this case, anything can happen, jealousy can set in and so on if a girl is dating her friends ex, that one is even worse because we all know what a woman is capable of doing if she is in love or have feelings for her friend's man.

A clear example is a woman who is in love or has feelings for her friend's boyfriend, we know how it plays out at the end.

Now woman do not have simpaty if they change their mind towards you so why would you want to risk your future, feelings and emotional to dating someone who your friend already know his/her soft spot?

Initially, it is not a bad thing to but the risk attached and for the sake of avoiding futuristic ocurance, avoid it.

Do you know that because some friend's wants their ex around, they will make you date them knowing fully well that they can manipulate them for macks. so the best way to save yourself is totally avoiding it.

PLEASE WATCH THE VIDEO BELOW TO LEARN MORE, THANKS.



https://www.youtube.com/watch?v=tLOF_2440NE

Topic: Why you should date your friend's ex

Hello my dear readers...

This topic came on board yesterday in a group discussion and a lot of persons dropped their opinion about it although I stood my ground that I can't date a friend's ex.

For the fact that you can meet your girlfriend before meeting your friend or best is possible but in the case where you knew you best friend first, it will be a big risk to date the ex knowing full well that they can start to catch feelings.

Note that in this case, anything can happen, jealousy can set in and so on if a girl is dating her friends ex, that one is even worse because we all know what a woman is capable of doing if she is in love or have feelings for her friend's man.

A clear example is a woman who is in love or has feelings for her friend's boyfriend, we know how it plays out at the end.

Now woman do not have simpaty if they change their mind towards you so why would you want to risk your future, feelings and emotional to dating someone who your friend already know his/her soft spot?

Initially, it is not a bad thing to but the risk attached and for the sake of avoiding futuristic ocurance, avoid it.

Do you know that because some friend's wants their ex around, they will make you date them knowing fully well that they can manipulate them for macks. so the best way to save yourself is totally avoiding it.

PLEASE WATCH THE VIDEO BELOW TO LEARN MORE, THANKS.


https://www.youtube.com/watch?v=tLOF_2440NE

I will teach you how to make music, voice over, documentary etc. With your mobile phone Android or iOS.

There are so many talented musical artists in Nigeria but only few have the privilege to record songs at will while others find it difficult to record a track due to financial reasons.

We believe that no matter what a problem might be, there is always a solution to it and that is why we have set up this medium to help young and talented artist record songs at will before having enough money to visit the Studio.

Why you should learn this method of music promotion:

1. You can quickly save you inspiration without loosing it.

2. No money to record a song, no wahala* �

3. You do not have time to visit the Studio? That is no problem still because this method will help you record a song that you can publish in the comfort of your home.*

4. It doesn't require any fee to make your own songs because the software has a free plan.*

5. It is not time consuming and takes no time to learn if you follow the steps properly.*

6. With this skill, you can do a voice over, birthday shout-out, documentary and of course record your songs.*

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Another problem that we might be facing is financial problem in the sense that a lot of people can't afford the training due to the hardness of the economic state , of the country at the moment and that is why we have decided to make it as affordable as possible.

This simple means that with as small as 1k, you can learn how to make your own songs using your mobile phone (Android or iOS) this is unbelievably fair i suppose.*

At least it is not as bad as you think anymore because we have made it simple for you*

1k is not up to your monthly subscription or recharge card money or what you spend daily, not to talk of what you will spend if you decide to visit a studio. You can sacrifice it to at least learn something that you will be proud of when you start to enjoy this skill.*

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My guy this Narcissist things is dam serious ooh people are suffering daily but do not know why.

What is Narcissist disorder?

A disorder in which a person has an inflated sense of self-importance. Narcissistic personality disorder is found more commonly in both men and woman. The cause is unknown but likely involves a combination of genetic and environmental factors.

Narcissism is extreme self-involvement to the degree that it makes a person ignore the needs of those around them. While everyone may show occasional narcissistic behavior, true narcissists frequently disregard others or their feelings. They also do not understand the effect that their behavior has on other people.

It’s important to note that narcissism is a trait, but it can also be a part of a larger personality disorder. Not every narcissist has Narcissistic Personality Disorder (NPD), as narcissism is a spectrum. People who are at the highest end of the spectrum are those that are classified as NPD, but others, still with narcissistic traits, may fall on the lower end of the narcissistic spectrum.


Symptoms:
Requires a medical diagnosis
Symptoms include an excessive need for admiration, disregard for others' feelings, an inability to handle any criticism and a sense of entitlement.

Signs of narcissism:

1.Sense of Entitlement
2.Manipulative Behavior
3. Need for Admiration
4.Lack of empathy
5. Arrogance

Every year, people suffer in relationships because of this and many do not even know what is happening or why things are happening the way they are.

There is what we call the NPD awareness i.e people who are victims now go online to tell others about it because it is a terrible experience that you would not want to be in.

There is a book that has been rewritten about how someone's experience with a narcissist and how he was able to get out of the relationship after server attempt.

Click here to get the book now
HOW I OVERCAME MY NARCISSIST EX https://www.amazon.com/dp/B09SDNPG3C/ref=cm_sw_r_awdo_navT_g_A99PZ9VGFCG168KSVF0W

In what every you do, never be a narcissist victim because trust me a year will be too small to heal of you fall a victim.

Click here to get the book
HOW I OVERCAME MY NARCISSIST EX https://www.amazon.com/dp/B09SDNPG3C/ref=cm_sw_r_awdo_navT_g_A99PZ9VGFCG168KSVF0W

Also watch the video below:

https://vm.tiktok.com/ZMLj3GHse/

Make person abeg help me out.

Someone should please help out.

Cutting an Ex off doesn't make them an enemy, but the first thing one should consider is his/her emotional involvement with the ex. If you still have feelings for them, being friends with them will only hurt you and slow you down from moving on.

This is not the same for everyone because it might not be their first love or relationship and they might have been used to heart breaks or maybe the relationship wasn't so strong.

Being a friend with someone who you love so much will hurt you in the long run because you will still have that sense of attachment with them and feel bad within yourself when you see them with someone else.

If you ended up becoming a friend to your ex lover, someone you once cherish and meant the whole world to you, it means the love wasn't so strong or it never wasn't there.

Best solution is to move on but no as an enemy. In such a way that when you guys meet up years later, you can still talk to each other and still exchange pleasantries.

When my ex an i started dating, i notice a lot of things that was awful about her like the way she talks, do things and relate with people expecially guys, so because i loved her, i thought talking to her about it when ever the need arises would be a way to make her know how i feel about the things she does.

My mistakes where jumping into a relationship with someone i didn't take time to know but the mistakes has already be done and now i am still in love with her.

Because we didn't take out time to know each other better, a lot of things went wrong along the line.

Now she is my ex for over 3 month now although i have been trying to get her back two months after our break-up. I realized that she has started dating someone else but she later.

While we were seeing each other after our break-up, the feelings started coming and she was kind of into me again. She told me that she had left the other guy because she doesn't love him.

I think she now feel comfortable and sometimes feels like she doesn't know what she wants, she sometimes tells me that she might go back to the other guy who she just meant in less than two months. She even said that she still loves me and care for me but it not a must we have to end up together.

Sometimes she text me first and tells me she is missing me or miss me on different occasions, sometimes if she doesn't know from me for a day or two she send me a WhatsApp tell of flashes me or even call me.

The thing now is that i am fed up and want to move on with my life but then i need a contracte advise to back up my decision.

Please help me with your opinions...