[img][/img][img][/img][img][/img][img][/img][img][/img][img][/img][img][/img][img][/img]Lets face the truth. Being broke is terrible.

The type of things that come with no money ehn, the kind of suffering!
And not the kind of broke when you feel you do not have money for a new shoe, or phone?

The type where you need to do something extremely important and you don’t have the money for it.
Then you try to borrow and even N500 becomes hard to find after chasing all your family and friends.
It is frustrating and depressing!

The reasons why we become broke are usually simple to know and solve, not like the theory taught in our schools that need long calculations. The answer can be found in things we do, day-in, day-out.

If you constantly find yourself to be broke, or you just want to avoid it, here are tips on why people go broke and how you can avoid it starting today.

• You may lack financial knowledge
• You may lack financial discipline
• Bad financial decision making
• You do not set a budget
• You do not work with the budget
• You do not have an emergency fund set up
• Not having any form of savings
• Not having financial goals and targets
• Not setting achievable financial goals and targets
• Having an unreasonable budget
• Having no plans for your savings
• Spending too much on family, friends and yourself
• Inability to say no to excessive requests from others
• Borrowing to support a lifestyle above your means
• Having vices (drinking, smoking, gambling)
• Inability to delay immediate gratification (pleasure and satisfaction) in the short term.

Some good financial resources, if you want to have a healthy financial state that I have found extremely useful are

Think and Grow Rich by Napoleon Hill
Rich Dad, Poor Dad by Robert T Kiyosaki
The Millionaire Mind by Thomas J Stanley
The Millionaire Next Door by Thomas J Stanley and William D danko
The Science of Getting Rich by Wallace Wattle
Total Money Makeover by Dave Ramsey
Secrets of the Millionaire Mind by T Harv Eker
The Richest Man in Babylon by George Clayson
The 100 Absolutely unbreakable laws of Business Success by Brian Tracy

Does success for you mean financial satisfaction? Make your money work for you and own your life in full.

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