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Money Management for Creators & Hustlers: How to Take Control of Your Finances

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In today’s gig economy, many creators and hustlers, whether freelancers, artists, influencers, or side hustlers, are redefining how income is earned. While working for yourself brings freedom and creativity, it also comes with financial uncertainty and complexity. Without steady paychecks, benefits, or HR departments, you’re responsible for every cent earned and spent. If you're a creator or entrepreneur building your own path, managing money wisely is non-negotiable. Here’s a guide to help you budget, save, and thrive even with inconsistent income. 1. Budgeting for Inconsistent Income One of the toughest parts of being self-employed is dealing with fluctuating income. Some months you might make double your usual rate; other months, it’s radio silence. The key is to build a baseline budget that covers your essentials and prepare for low-income months. Tips: Know your bare minimum. Calculate the monthly amount needed for rent, food, transport, bills, and loan ...
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Money Management for Creators & Hustlers: How to Take Control of Your Finances

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In today’s gig economy, many creators and hustlers, whether freelancers, artists, influencers, or side hustlers, are redefining how income is earned. While working for yourself brings freedom and creativity, it also comes with financial uncertainty and complexity. Without steady paychecks, benefits, or HR departments, you’re responsible for every cent earned and spent. If you're a creator or entrepreneur building your own path, managing money wisely is non-negotiable. Here’s a guide to help you budget, save, and thrive even with inconsistent income. 1. Budgeting for Inconsistent Income One of the toughest parts of being self-employed is dealing with fluctuating income. Some months you might make double your usual rate; other months, it’s radio silence. The key is to build a baseline budget that covers your essentials and prepare for low-income months. Tips: Know your bare minimum. Calculate the monthly amount needed for rent, food, transport, bills, and loan ...
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How to Bring Innovation into Your Business and Spark New Ideas

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  BUSINESS INNOVATION Innovation isn’t about having a million-dollar idea—it’s about solving real problems in new ways. In this blog, I explore how businesses can reinvent themselves, stay relevant, and spark ideas that lead to sustainable growth. Featuring a real story of transformation and five practical steps anyone can take. In today’s ever-changing market, innovation is more than just a buzzword—it’s the heartbeat of sustainable growth. Whether you're running a small startup or leading a well-established company, the ability to think differently and evolve continuously is what separates thriving businesses from those that fade into the background. So, how do you actually bring innovation into your business? And how can you consistently generate fresh business ideas that work? Let’s start with a real story that might just inspire your next big move. A Real-Life Shift: From Bookstore to Brand Movement Amani, a young entrepreneur in Nairobi, inherited her father’s ag...
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HOW TO GROW YOUR MONEY WITH THE RIGHT INVESTMENTS : Mutual Fund Investment

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  ALL YOU NEED TO KNOW ABOUT DOLLAR AND MONEY MARKET MUTUAL FUND INVESTMENT After our recent seminar on investment, a lot of participants have contacted me to write on the subject for easy reference. Thus, today we'll be focusing on money market and dollar mutual fund investments. Money market investments are short-term, highly liquid assets that provide a safe place to park cash. Dollar mutual funds, on the other hand, invest in a variety of short-term debt securities issued by the U.S. government, corporations, and municipalities. WHYSHOULD YOU CONSIDER INVESTING YOUR FUNDS? Investing your funds can potentially offer several benefits. Firstly, it allows your money to grow over time through the power of compounding. By putting your money into various investment vehicles like stocks, bonds, or real estate, you have the opportunity to earn returns that exceed traditional savings account interest rates. Secondly, investing helps you hedge against inflation. Over time, the purch...
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HOW TO CREATE A BREAKEVEN BUSINESS PROPOSAL | EASY STEPS

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Business Proposal Made Easy:  A user-friendly process for creating and submitting business proposals that saves you time and effort. Creating a breakeven business proposal involves thorough research, analysis, and planning. Here's a step-by-step guide to help you craft one for a successful business: 1. Understand Your Business Concept : Clearly define your business idea, including the product or service you'll offer, target market, and unique selling proposition (USP). 2. Market Research : Conduct comprehensive market research to understand the demand for your product or service, competitors, pricing strategies, and consumer behavior. Identify potential challenges and opportunities in the market. 3. Cost Identification : List all the costs associated with starting and operating your business. This includes initial setup costs (such as equipment, inventory, and legal fees), ongoing operational expenses (such as rent, utilities, salaries, and marketing), and variable costs ...
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HOW TO MAKE MONEY ONLINE ON SURVEY PLATFORMS

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SURVEY PLATFORMS THAT PAY WELL : In this episode of our self-training manual on how to make money from the comfort of your house, let’s consider online survey platforms. Online survey platforms offer a convenient way to earn extra income by sharing your opinions on various products and services. Many companies are willing to pay for valuable feedback, making it a simple and accessible option for those looking to make money online. Making money online through survey platforms can be a legitimate way to earn some extra cash, although it's important to manage your expectations and understand that it's unlikely to replace a full-time income. Here are some steps you can take to maximize your earnings on survey platforms: Absolutely! Online survey platforms can be a convenient way to earn money from the comfort of your own home. Here are some key points to consider when exploring this avenue: 1. Research Reliable Platforms : Not all survey platforms are created equal. Some are ...
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HOW TO BECOME RICH IN A DEVELOPING (POOR) COUNTRY

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  Creating wealthy habits and practice:  One way to become rich in a developing or poor country is by identifying opportunities for entrepreneurship and innovation that cater to the needs of the local population. However, the underlying principles of hard work, perseverance, and strategic decision-making remain consistent across all countries. Ultimately, success is achievable regardless of location through dedication and resourcefulness. Despite the variations in customs and traditions, the fundamental necessities for survival remain constant across all societies. Ultimately, our shared humanity unites us in our basic requirements for sustenance and protection. They also desire leisure, entertainment, and information. Ultimately, all people need love, relationships, and association. Get to understand the gap in ways people meet these needs and find ways of providing a service or solutions to close the gap; then you will be rich. 1.       A...
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ABOUT BLUME DISTRIBUTION LIMITED

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A LEADING DISTRIBUTION COMPANY IN NIGERIA    BLUME DISTRIBUTION LIMITED   is a private marketing, sales, and distribution company of Sonia Foods Industries Limited. The company is an industry lead in marketing, sales, and distribution of culinary food products.   They are into the production and packaged food categories: tomato paste, curry powder, thyme leaves and chilli pepper powder under the umbrella brand SONIA, and baked beans and non-dairy creamer, under the brand name KIVO. Blume Distribution Limited has a strong presence in local and national markets, with a broad network of retailers and distributors. Its commitment to quality and customer satisfaction has earned us a reputable position in the industry. Additionally, we continuously strive to expand our product portfolio and explore new market opportunities to meet the evolving demands of consumers.    While Sonia Foods Industries Limited focuses on the production aspect of the business, Blume Di...
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WHAT YOU NEED TO KNOW ABOUT BLUME NIGERIA PRODUCTS

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  BLUME NIGERIA PRODUCTS BLUME NIGERIA LIMITED  is a premier international trading and distribution company, playing a key role in the FMCG. Their management team has many years of experience in the fields of production, importing, and distributing food products. They are a highly driven team of professionals with outstanding quality and excellence in delivery. BLN is a member of Sonia Foods Industries limited. Sonia Foods, Industries is one of Nigeria's leading tomato paste manufacturers. The company is a recognized market leader in tomato paste production and other range of products. OUR VISION To be the leading and most innovative food company in Africa Blume Nigeria Limited is known for the warehousing, marketing, sales and the distribution of the following products: products include: SoniaTomato Paste - in tins of various sizes (400g, 210g, and 70g   Tomato , (Solanum Lycopersicum), a flowering plant of the nightshade family (Solanaceae), is...
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SKILLS YOU NEED TO SUCCEED JOB HUSTLE

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  10 SKILLS YOU NEED TO SUCCEED SIDE  HUSTLE 1.                 Selling Skills                                          Image source: www.puzzlepartner.co   In the concepts of  Robert Kiyosaki , “If you can’t sell, you don’t make money!” Selling is a vital part of virtually any side hustle or creative effort. Entrepreneurs sell opportunities for investors and products to customers. Novelists sell the value of their ideas to agents, publishers, and eventually readers. If you want your creative goals to be more than a hobby, you need to start learning how to sell, and the best way I’ve found is through practice. In the University, I have a friend who worked as a Real Estate agent firm where most of his pay came from the commission, which pays his way out of school. As an introve...
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STRATEGIC THINKING SKILLS TO MASTER FOR CARER AND BUSINESS SUCCESS

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  Dear reader, Good to have you this week for our strategic thinking session. This week, we'll be learning/discussing strategic thinking skills.  Ideologically, if you want to succeed and leave your competitors behind, you need strategic thinking skills.   Strategic thinking skills are any skills that enable you to use critical thinking to solve complex problems and plan for the future. These skills are essential to accomplish business objectives, overcome obstacles, and address challenges. Strategic thinking skills include: Analytical skills: examples of analytical skills are- research, forecasting, problem-solving, data mining, data and metrics interpreting, and reporting. Communication skills: Active listening, friendliness, confidence, giving and receiving feedback, adapting your communication style to your audience, unambiguity, empathy, mutual respect  Problem-solving skills: Research skills, technical knowle...
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HOW TO DISCOVER YOUR MONEY-MAKING ZONE QUICKLY

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  Discovering Your Money-Making Zone In a world where financial independence is increasingly linked to self-awareness and strategic thinking, discovering your “money-making zone” is more crucial than ever. This is the sweet spot where your skills, passions, and market demand intersect, the zone where your talents translate into income. Whether you're looking to start a side hustle, build a business, or find a fulfilling career path, understanding how to harness this zone is key. It involves self-reflection, market research, and experimentation to identify what sets you apart and where you can provide value. By honing in on your money-making zone, you can maximize your earning potential and achieve long-term financial success. 1. Identifying Your Skills, Passions, and Market Demand The foundation of your money-making zone lies in three critical pillars: Skills : What are you good at? These can be technical skills (coding, graphic design), soft skills (communicatio...
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7 WAYS READING CAN HELP YOU GET AHEAD IN YOUR CAREER

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    Book Reading and Career Growth:   Reading is good, and it can enhance your career. Do you believe this expression? You can think of all the successful people whom you think are reading A good example of this can be traced to Bill Gates, Oprah Winfrey, Mark Cuban, Warren Buffet and Mark Zuckerburg, to name a few.    In most of their interviews with top channels, it’s shown that they are committing time to read actual books for development in both career and leadership advancement.   WHY IS IT IMPORTANT TO READ A BOOK?  There are many crucial benefits, not just reading non-fiction, but biography, leadership and so on.   Let us consider some of the meaningful ways reading can help your career is to help develop empathy.  1.       EMPATHY GROWS  It has been discovered that empathy grows when you connect with your character and begin to understand your characters/ emotions and emotions gain va...
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