TIPS TO MINIMISE SPENDING SO MUCH ON YOUR HAIR.

From a level of deep thinking, I’ve found out that our hair as ladies consumes even more than our tuition fees, feeding and even investmtents as the case may be. Is our hair a worthy investment? In as much as we are expected to be neat from the crown of her heads, there are ways we can minimise the amount of money we spend on our hair while we channel most of our resources into worthy investments that can yield reasonable dividends for us.


The funny thing is that some ladies that claim to lack one thing or the other are carrying the capital of what will make them financially independent once and for all, on their heads.

Really, if you don’t sit down to deliberately calculate, you might not realise the fortune you are spending on your hair which can be cut down if you must be a good investor and not a terrific spender.

Let’s see how the money goes, using Tope, a university undergraduate and Victoria side by side as case studies. Mind you, Tope relies on her Parents, older friends, Uncles and Aunt’s for her upkeep. She’s got nothing doing that brings in money for her but she no doubts looks smashing day in day out while spending a fortune on her hair, while Victoria’s story is the same but has plans on starting a business of her own by May.



JANUARY

Retouching...(2nd week)Tope: with Kit and service... 2,500
Vivian: With Ozone relaxer and service....350
After retouching, Vivian leaves her hair for two weeks, while combing and using accessories to dress it.
Tope fixes immediately after retouching... 1,400(weavon)+1,000(service)= 2,400
NOTE: If the same amount is at their disposal for hair purposes, at the end of January, Tope has spent 4,900 while Vivian has spent 350 thereby saving 4,550.



FEBRUARY
Tope loosens her weavon, washes her hair, and then braids it, all summing up to 4,500
Vivian washes her hair and fixes for 2,000 and then does a simple hausa weaving by the end of the month for 400, all summing up to 2,400.
By the end of February, Tope spent 4,500 while Vivian spent 2,500. Vivian has succeeded in saving 2,000.



MARCH
Tope saves up some money including the ones she had sourced for, from various quarters which she claimed to need for her ongoing project to buy a brazillian human hair for 60,000( you know, she needs to level up with her clique) She fixes for 1,500.
Wow! With the same amount of money at vivian’s disposal, she buys a standard and smashing wig for 5,000( At least she don step up small)which she used all through the month of March, while keeping her hair neatly woven (500)



At the end of March,Tope had spent 61,500 while Vivian spent 5,500 thus saving the sum of 56,000.


TOTAL ANALYSIS: By the end of March, Tope has spent a total sum of 70,900 on her hair while Vivian spent 8,350 while saving 62,550.
Now, please note that the Salons and products they use for their hair is different. It is not that Vivian wouldn’t mind a good kit but could still make do with another at least for the moment.


In as much as I’m not advocating that we should treat our hair anyhow and use poor quality products, I’m trying to say that we should live our level per time while making sure we have good investments that can produce more thus being less of a burden but a blessing to others in need.


At the end of this analysis, Vivian has a whole 62,550 to invest into a long standing idea while Tope is still in square one. Sooner, Tope will still have to borrow money from Vivian while Vivian has traded the days of pleasure and high standard for a worthy investment and could afford to make any kinda hair she wants later! Note that this still does not mean that we should spend unreasonably on our hair.


For instance, it’s not everytime we must have something glued to our hair. Our hair needs Air and we should cultivate the habit of leaving our hair for some time without attaching anything to it. It is healthy as well as economical.


We should also try to buy wigs that can be used at various times and for various reasons. At times, you might not have much and you need to appear good, your wig comes in handy. However these days, most weavons are thrown away after the first use! At least, you can’t throw your wig away after the first use.


Also, we should try as much a s possible to be content with what we have on per time and not covetous! Ladies go as much as loosening a kind of hair that is being carried for just a week because they just found out a new kind of hairdo on another.


In conclusion ladies, let’s be wise and take a stock of how much we spend on our hair and then, adjust where necessary. Always remember that it pays to be prudent and to go through the pain of discipline than the pain of regret.


It’s not money we need in actual sense but wisdom to manage and harness the little that comes to us per time. Soon, you’ld be a distributor and not a borrower. Watch it! Hope the Capital you’ve been looking for all the while is not on your head!


Please, feel free to add your comments and further suggestions or adjustments. We really need to rub our minds together.

DEAR GIRLFRIEND,...you must be an asset and not a Liability!!! (1)

There are no effects in life without causes. Sure you know that. Also, from observations and mostly experience, you must have come to the conclusion like I have, that the need for MONEY is the root cause of most problems and complications we have in the soceity today. Just in case you are doubting, If you were given 50 million right now (see it truly), am I right to say that at least, 50% of your current challenges will be over in a sweep. Let’s see... • You want to pursue your academics in a very good institution, probably abroad. • You need a good accomodation as a family and the rent is getting higher by the day. • Your siblings all need to go to school and pay for everything payable. • Looking for a good paying job so badly. • Someone is down with one sickness or the other that requires money for quality and adequate treatment. • Your Parents are complaining about the upkeep of family • Your Fiance is not able to settle down with you for marriage because he is not financially empowered. • You can’t dress well, eat well, travel to places you’ld have loved to, buy books or Cds you’ld have loved to read or hear, register and attend seminars or conferences, participate in some church activities and even service groups(that require money in one way or the other) The List is endless................................................................................................ If money has so much influence, then why can’t we put good and conscious measures into place to ensure that we do not lack it. The truth is that Lack makes a Man so uncomfortable and the absence of money is like cancer because it affects every other aspect of your life. Agreed, there are problems or issues in life that money cannot solve. There are people that have the money for whatever they want yet they lack peace and even have diseases that are beyond medical solution. However, you’ld agree with me that with the availablity of Money, the problems are brought down to the minimum. Now, let’s narrow this down to ladies. Most ladies have found themselves compromising their precious lives for the benefit they would receive in monetary terms or... • How else can you explain a young lady of 25 years old having affairs with married Men old enough to be her father? • How can you explain a lady getting married to a Man she does not Love but because he is financially empowered. • Or a lady that will stand on the streets to exchange her body for money... • Or a lady that will betray her friend(like Judas did to Jesus for 30 pieces of silver which he ended up not spending) into the hands of ritual killers because of the money that is going to be given to her? The list remains endless.... LADIES VIEWS Ladies and Women in general tend to view money and finances differently from Men though mindsets are being changed drastically these days because we now have ladies going all the way into their various fields of interest and making great impact there, thus getting empowered financially. However. Some women still think that the development of a viable financial life plan majorly rest on Men and the best they can do is to find such Men that have made it big! Ladies and women in general need to be reminded that a Man is not a financial plan! WHAT DOES IT MEAN TO BE AN ASSET? An asset in simple terms, means anything useful or valuable. As a woman, you can bring yourself under the light of any or all of the following if you’re to consider yourself as an asset. Remember, it has little or nothing to do with the number of clothes, bags or shoes you have in your wardrobe though they can be converted into cash if they still retain their value. The assets I’m addressing here lies mainly in the education and thus, skills you have acquired as a result of it. To be educated simply means to be trained or taught either within the confines of a school environment or outside. This involves either getting a Diploma, Degree, Masters or PH.D in a desired course and other Professional courses. Your desired course of study or career can be JUST ANYTHING ranging from Hairdressing, Tailoring, Designing, Medicine, Law, Engineering, Journalism, Fine Arts, e.t.c and I must tell you, none is more lucrative than the other. It’s your attitude to work that matters. The above can be learnt in either ways.The list is endless. Getting trained or educated formally and informally is the KEY! There is nothing like being FINANCIALLY INDEPENDENT as a single and even as a married Woman. Even when you operate joint accounts, you still need to keep an account in your own name because of so many reasons part of which is for you to be able to contribute your own quota into the relationship,not having to depend on your partner for every single need, the fact that some Men are not that good with managing money, to be able to readily expand your career e.t.c WHAT DOES IT MEAN TO BE A LIABILITY? Simply put, having to rely on another person or people for almost all your needs frequently such that you are considered a PEST even if you are not told to your face. Instead of just sitting down and being idle as regards financial matters,having to be burdened with anything that involves money, I would like to share some business ideas that you could set up.Some of these businesses may require that you acquire new skills while there might be some that you already possess the skills needed to set up. Above all start a business that defines you as an individual and gives you satisfaction. Below are some business Ideas that you can start. 1.Beauty Services – Salon, Spa 2.Child care provider – Creche 4.Children’s party Planner 5.Caterer 6.Computer Services 7.Direct selling – Mary Kay, Avon, Mark, clothes, shoes, bags (JUST ANYTHING) 8.Dry cleaning services 9. Event planning 10.Writing 11.Fashion designing 12 .Fitness Instructor 13.Home Tutoring 14.House cleaning 15.Interior designing services 16.Jewelry designing 17.Liquid soap production 18.Consultant 19.Multi level marketing e.g Ardyss, Forever Living products, FM perfumes 20.Make-up Artist 21.Motivational speaker 22.Nanny services 23.Photography 24.Party rentals services 25.Web designer 26.Wedding Planner 27. Art works. 28. Private Lessons/ Tutorial centre. Remember having a business idea is the first stage to starting a business .Until you consciously take the decision and act on it, there will be no business! SO HOW DO I GET STARTED? Erase the notion that you need hundreds of thousands or millions of Naira to make it on your own. If you can start smart, then you’re on your way to a liberating experience. 1. Develop Skills and Confidence. Once you’ve created your business model you’ll have to develop the skills necessary to make it in this competitive environment. Being smart is not enough to be successful. You need to rely on determination, guts, tough skin and confidence. You are sure to encounter many roadblocks along the way and you have to be ready to face these head on. 2. Gather What You Have On Ground. You have to assess how long you can get by with little or no income. Try to take a stock of what you have and what you can gather from mature friends or family. If possible, sell some of your stuffs( it depends on how convincing you are of your business idea and the amount of risks you are willing to take) You might even have to put up your Blackberry for sale(Funny)? 3. Delay Being So Official Delay the normal business starting activities like incorporating, hiring, renting an office e.t.c until after your business has started earning money. Avoid the temptation of having to start big thus procrastinating and eventually, not starting at all. 4. Take Substantial Responsibility Try to do most things yourself (at least for a start) without having to hire and pay an expert. I hope this helps. It will save you a lot of compromises that characterises lack of money. I’ld get to share with you my personal experiences in the world of business and being financially independent from scratch till present. Watch out for the concluding part.

YOUR TIME.

Beautiful things abound around you The young and innocent alike, Get their desires in the twinkle of an eye. The seemingly undeserving The wicked and hard-hearted Celebrating everyday A new award called fOrth Why is mine different you ask Joining others as they celebrate Being the bride’s maid The driver to the venue of the award The photographer at the convocation day The Samaritan that helps the Pregnant to the hospital A witness to all of life’s celebrations Yet, you’re an unlooker A spectator it seems and not a player Wondering if ever life will be fair To look upon you for mercy But here your lesson note dear friend Study to show yourself approved It's not in education It's not in Eloquences It's in a Relationship It's in his time Which he turns around to be your time Hold on! If you indeed know him He’d make all things beautiful for you In his Time.