How To Attain Financial Freedom

Rush! Rush!! Rush!!! Wake up in the morning, jump out of bed, prepare for work, hit the road, off you go. From Mainland to Island, Island to Mainland, same rat race, same mind numbing routine. Why? All because you are looking for money, trying to survive? Hush! Stop right there! Pause for a moment and ask yourself how long? How long are you going to continue life this way? How long will you continue to put up with this lunacy, will you go on chasing money all your life? If you keep looking for money, working for money, when then will you sit back, relax and enjoy the money? This is one very important question you can’t shy away from, you need to confront it and provide an answer to it.

No doubt money is important but you don’t have to be enslaved by it. In life we cannot pretend that money is not vital, living a good quality lie is almost impossible without money. As a parent you will need to take care of your kids, pay school fees, settle bills and more. As long as you are human and on the face of this earth you need money to service your needs and wants, save, invest and possibly attain financial freedom. Yes, financial freedom, it is possible! All you need is determination, information on how to go about it and time to get it accomplished. Once you set your heart to it, work on it, give it time, it becomes a reality in your life. The problem is alot of people have never given it a thought. They just live life day in day out without setting financial goals. It’s time you pick yourself up from your financial mess and start heading straight for financial freedom. A time when you are completely financially in charge and you can be more useful to yourself, your family and the society at large.

You might be saying I desire this freedom but how do I make it a reality in my life? The following steps will help you a great deal-

Create Multiple Streams of Income: don’t limit yourself to one source of income, take advantage of every possible money making opportunity you can identify. Even if you have a fulltime job you can do other things by the side that will bring in legitimate profit to support your regular income.

Do not despise small beginning or small businesses at all, seemingly little things can bring in good profit, for instance, selling of recharge cards, pure water, running a call centre, selling of ice block, minerals etc. For those with full time jobs you might just need to employ a salesgirl or boy. Also your talent can turn out to be another source of income and part time job. Singing, dancing, writing, speaking, comedy, painting and other talents can help bring in good money if properly harnessed. Put your creativity to work and you will be amazed at the level of potential you have locked up inside.

Create Residual Income: this is another key to wealth creation and continuous financial flow. To create residual income you work hard once and reap over and over from it. A good example could be that you wrote a book, it sold widely, internationally, some schools decided to adopt it as one of the text books for students. The government feels it is good enough for our libraries in the country and they make it available in all libraries, the United Nations is interested in it, they translate it to different languages and distribute it in different countries. From all these you make sales, collect royalty and this can go on for years. There are different ways to generate residual income, all you need do is discover or identify something that can bring in income for you, go to work on it and you will eventually smile as a result of what comes in as a reward for your hard work or better still smart work! Now imagine if you have about four sources of residual income, your guess is as good as mine!

Own your own business: start and grow a business of your own. If done properly it yields great returns that help you stay financially balanced and satisfied. Another thing to bear in mind is that once you find yourself succeeding in a particular business, expand and create branches of the same business. A good way to understand this is to take a look at eateries such as Sweet Sensation, Tantalizer, TFC etc. You can have a restaurant that is doing well, don’t stop there, look for another commercial location and start another branch. Don’t limit yourself, work on your business, grow it, nurture it, create a system around it and move on to the next. Aside from “branching” a particular business, once you’ve laid a solid foundation for it, you can try your hands on other types of businesses too. Repeat the “branching” process in it and watch it grow. When you own your own businesses you are more in charge of your life and you will most likely attain your financial goals faster.

Savings and Investment: you must also realize that there is a difference between you working for money and money working for you. When you wake up in the morning and go to work (job), you go to your own business, working in it, earning salary, you are actually working for money. But when you start to put something aside as savings and eventually start to invest what you’ve saved then at that stage it is money that starts to work real hard for you. To ever get a chance to breathe the air of financial freedom, go beyond making money and spending it to actually investing and watching it grow. Contrary to popular opinion or believe money is not for spending, it is for investing( you can call it planting…) and the profit that comes from it is what you spend yet not all but part of it. The reason is that you will still need to plant again from your harvest in preparation for another harvest. It’s an endless but highly profitable cycle. In short make investment your habit and you can’t help but grow rich!

Giving: The blessings of God makes rich and adds no sorrow. At the end of the day only God can bless and prosper the work of your hands, it is possible to labour like elephant yet eat like ant! So despite your hardwork, it takes God’s favour and baptism of wisdom to prosper and get amazing results that will blow your mind and for things to work out fine like you planned. For you to attract the continual flow of God’s blessing in your financial pursuit you can’t help but be a giver. Someone who “gives back to God” and to his society, one who is constantly reaching out to those in need, widows, orphans, the sick, handicaps etc.

One of the reasons why America is great is the ability of Americans to give, they are crazy givers! Think of Bill Gate and you will discover a man that gives in billions of dollars, a man that single handedly gave a donation that is far bigger than what some nations combined gave during the Tsunami crisis. Consider Warren Buffet and you will encounter another American that gives in billions yet they keep increasing, they keep prospering. You want to be great, rich, wealthy, prosperous? Then become an ardent giver, it unleashes the blessings of God.

Go to work on some of these steps or a combination of the steps and you will soon find yourself climbing financially.

Kemi Adeyemi is a woman of many parts, the CEO Digitz Business Solutions Ltd, an Author, highly sought after Speaker and Business Coach. 

Her company offers Affordable Business Consulting (ABC) to entrepreneurs, small business owners, start ups, graduates, unemployed, civil servants and everyone desirous of true success in business, legitimate, tried and tested income sources and more .  
                               Call  08181411557    Email

Success Quotes

“You are the embodiment of the information you choose to accept and act upon. To change your circumstances you need to change your thinking and subsequent actions.”  Adlin Sinclair

“Don't wait until everything is just right. It will never be perfect. There will always be challenges, obstacles and less than perfect conditions. So what. Get started now. With each step you take, you will grow stronger and stronger, more and more skilled, more and more self-confident and more and more successful.”  Mark Victor Hansen 

“Success means having the courage, the determination, and the will to become the person you believe you were meant to be” George Sheehan

“Take up one idea. Make that one idea your life - think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of your body, be full of that idea, and just leave every other idea alone. This is the way to success, that is way great spiritual giants are produced.”  Swami Vivekananda

“The greatest barrier to success is the fear of failure.”  Sven Goran Eriksson

“Success is simple. Do what's right, the right way, at the right time.”  Arnold H. Glasgow
"How can they say my life is not a success? Have I not for more than sixty years got enough to eat and escaped being eaten?Logan P. Smith
"In order to succeed, your desire for success should be greater than your fear of failure."
Bill Cosby
"Always bear in mind that your own resolution to succeed is more important than any other."
Abraham Lincoln
"Action is the foundational key to all success."  Pablo Picasso

"I've failed over and over and over again in my life and that is why I succeed.Michael Jordan 

 For Sound Business Tips, Advice and Training That Can Help You Start a Business or Grow an Existing Business, Creating Additional Income, Creating Wealth in Nigeria SIGN UP HERE

N1000 notes

7 Sources Of Income

1.  Export
2. Import
3. Writing
4. eBusiness
5. Knowledge Transfer
6. Entertainment Business
7. Real Estate

Export for Starters

Who is an exporter?
An exporter is someone who sells goods and/or services in a foreign market in order to make profit.

Exporters can be classified into the following categories:

Export Merchant: An exporter who buys goods or products from manufacturers and producers within the country for export in different parts of the world.

Manufacturing Exporter: A company which apart from manufacturing certain products is also exporting the product. This company might sell the same product for local consumption but also sells the same in other countries too for profit. Examples of such companies are Unilever, 7UP Bottling Company, PZ etc

There’s a place for everyone who desires to do export in this country, you can start small and grow big with time, start as an export merchant and if you want take it a step further you can grow to become a manufacturing exporter.

How To Start Small
It’s possible to be deeply interested in export business and not have the kind of money required to start. For instance to start charcoal export as at the time of writing this report you need nothing less than N620,000. Note that charcoal export is about the easiest and cheapest to start even at that amount. Some people have the money in excess while others don’t, to them that kind of figure is on the high side.

So what can be done?

To help aspiring exporters, Digitz Business Solutions Limited has packaged highly informative export training that can teach you how to profit from the export business terrain at any level. You will be taught how to start small and grow big, also if you don't have financial constraint you will be shown how to start growing your capital, consistently bringing in profit every single month.

You can also become a member of Export Leverage Club, a club where we take the limits off by providing you with the much needed leverage for success in export.

Feel free to call us on 08033792673
(please no flashing, no sms)

List of some exportable products from Nigeria

Nigeria's export policy is focused on non-oil export sector which comprises the following

Aluminium J-bots with nuts
Auto components
Angies, channels, beans
Alcoholic beverages
Baby clothes & other
baby products
Bottles (empty)
Carbon black
Cocoa butter
Cocoa cake
Cocoa powder
Cocoa liquor
Cosmetics & soaps
Delvac 1340
Doors (wooden)
Drilling equipment
Electrical wires
Floor parquets
Furniture components
Glass sheets
Hoof powder
Jars (empty)
Malt drinks
Palm kernel cake
Palm kernel oil
Peugeot cars
Leather & footwears
Tyres & tubes
Textiles & garments
Wire rod coils
Rebars/ Round steel
Flat sheets
Structures (Iron)

Agricultural commodities
Cashew nut
Chillies (Dried)
Cocoa beans
Cotton Lint
Kola nuts
Sesame Seed
Vegetables & Oil
Wheat Pellets

Music & other services

Solid Minerals
Aqua Marine
Columbite ore
Calcium Carbonate
Iron Ore
Lead Ore
Marble stone
Tin Metal Ingot
Zinc Alloy Ingot
Zinc Ore

Talking drums
Calabash Carvings
Wood Carvings
Raffia Products
Metal Carvings
Hand-woven textiles
Paintings (colour &

Disposable Injections
Anti Malaria
Anti Histamine

Processed foods, vegetables & spices
Cassava Flour/ Derivatives
Locust Beans
Yam Flour
Plantain Flour
Ground Rice
Ground Maize
Ground Crayfish
Bitter Leaf
Ground Melon
Dehydrated Vegetables

Horticultural Products
Mangetout (French beans)
Chilies (Fresh & Dry)
Sugar Cane

and lots more........

How To Start An Import Business Of Your Own With Or Without Traveling.

Import business is big business with good opportunity to make nice profit consistently. It’s all about bringing goods into the country yet not just bringing goods but actually bringing goods that are needed. There are so many things you can bring but it all depends on whether there is a market for it or not. Contrary to what people do, they bring in the goods first and then start looking for buyers, it is advisable that you first locate a ready market before going ahead to supply into that market. Locate a hot in demand product before going ahead to order so that selling will be easier and faster.

Let’s Go Step By Step

1. Discover a hot in demand product
2. Draw A Budget
3. Where to get the product
4. Place order and import
5. How To Sell
6. Repeat the process
7. Create Import Streams Of Income

Discover a hot in demand product
Don’t just bring goods in rather first be on the lookout for goods that anytime anyday they will sell. Also focus on the present trend in the country and observe what people are buying. You can narrow your search by focusing on sector by sector, you know find a niche product. Another thing to seriously consider before importing is price, ‘see’ your profit before importing.

Draw A Budget
Determine your financial strength and decide on how much you are willing to start with. The truth is the kind of money you have access to will determine how you can start, the extent you can go for a start. That’s why I said with or without traveling you can start an import business even on a shoestring budget.

Where To Get The product
Now for someone who has the financial weight you can either travel and bring in the goods or you stay right here in Nigeria and you place your order just like the man that doesn’t have much money to start or can’t afford to travel for now. One way to do that is first- if you have reliable contacts abroad tell them exactly what you want, check out the price if it’s favorable, send money to them via your domiciliary account they will buy and send it to you here in Nigeria via courier like DHL, FEDEX and the rest or via Cargo etc.

Secondly, if you don’t have reliable contacts abroad, fine, that is not a problem, thanks to technology you can make your order online. The internet is there for you. One good place to go is another place to visit is or and so on. Any of these sites are meeting points for buyers and sellers, suppliers, manufacturers and consumers, so you can go there and order products.

Place order and import
Once you’ve made up your mind on how you want to start simply place an order and import. You can pay using your domiciliary account and in some cases you might just use your credit card on a secure server. Concerning the delivery of goods, where courier cost is not already factored into the price, you order and pay the courier cost when the goods get delivered to you here in Nigeria. Once that is done and your goods delivered the next thing to do will be to sell and make profit.


One way to make good money in this information age is through writing. Writing can make you rich, famous and respected globally, the interesting part of it all is you can get it all done right where you are, in the comfort of your room!

10 Ways To Make Good Money From Writing
  • You can earn money by writing and selling articles online
  • You can choose to write your own ebook and make money from it both locally and internationally
  • You can self publish here in Nigeria and with good marketing make your money
  • You can be right here in Nigeria and have your book published in US or UK with ease and still earn good royalty for life!
  • You can also decide to make money from your own newsletter
  • Another way to make money writing is by having your own ezine
  • Make money from writing good reports
  • Make good money writing and selling your own manuals
  • Publishing your own magazine
  • Start a blog or website and sell information
    • 8 Ways To Earn Passive Income Online

      Wouldn't you like to actually live the life you dream about? No more money worries, you can take a vacation whenever you want, work when you feel like it. Spend more time with your spouse, your kids and be in absolute control of your life and your time. Sounds good right? Well, if you wish to achieve this, you need to build a passive residual income and you can achieve that using the internet to generate passive income.

      Online Passive Income Defined
      The definition of traditional passive income is "Income generated with minimal work from your investments such as interest, dividends, or real estate rentals." However in this article we are discussing creating a passive income online. Investment of time, creativity and money is initially required to build a passive income online, then possibly minimal work thereafter. Before I go on let’s look at the immense benefits this has.

      Benefits of generating passive income online:

      1. You work once and get paid over and over. Make a strong initial effort to get your income started, then do minimal work (or virtually none) thereafter, resulting in earning more and doing less.
      2. Your passive residual income is not dependent on a regular 8-5 Job and its challenges.
      3. Freedom to choose when and where you wish to work, you control your time and the pace at which you work.
      4. No transport fare to pay to go to work
      5. You are not afraid of a sack!
      6. Create an unlimited amount of income, as far as your imagination can carry you.
      7. Have more free time to spend time with your family, friends and loved ones.
      8. Go on vacation when you feel like and still be able to generate residual income while having fun.
      9. Able to increase your pay whenever you want by creating multiple income streams. You are the boss in charge!
      10. Ability to create residual income for your future retirement.

      Types of passive income streams to build online:

      1. Create and Sell Information Products - the web is great place to create an ebook that explains 'How to" information, for instance How To Start An Online Business, How To Make Cool Dollars From The Comfort Of Your Home, How To Lose Weight Fast and so on. Any quality information that makes life easier for people either at national level or global level. People are hungry for information, simply position yourself as the information provider. Solve a problem and get paid for doing so.
      Benefits of creating an ebook
      Very easy to create: you just need the ebook creation software which you can get for free.
      Not time consuming: takes a short amount of time, you can create a report in a few hours or days, 5-30 pages wont be a bad idea. The most important thing is quality information. Gives you opportunity to promote Backend products and sell Affiliate products: you will strategically include other products related to the content of your ebook, when they buy you make money.

      Include an affiliate program: increase the number of ebook sales by getting other people to sell your ebook for a commission. This enables you greatly increase your passive income.

      Permit Resale Right, Master Resell right or Reprint right: charge a fee for people that will
      have the complete resale or reprint right to your book, it is a fast way to increase sales.

      Permanence: Books don’t die, either online or offline, it is the same. Write it once and sell and profit forever.

      If you are interested in knowing how you can create your own ebooks, earn multiple streams of income from ebooks and make good dollars or naira with it for the rest of your life simply send an email to

      2. Creating software products - if you have a good idea for a software product that will help people do something faster, easier or teach them something, then you may have a
      winner. What’s more you don’t need to be a programmer to have your software idea communicated and created. You can find programmers online who will gladly create it for you for at a reasonable price. A visit to or will help your understanding of how this can be done fast.

      3. Affiliate Programs - passive income is derived from selling products online for commission. The parent company provides the products, tracks the sales and gives you a commission for each sale.

      4. Adverts and Adsense : if you have a web site that attracts a good number of visitors a day you can offer to place a banner or link on your site for a fee that you collect each month. You set it up once, then collect the passive residual income. You can do the same for your ebook, ezine or newsletter.

      Google AdSense - place Google Ads on your web site or blog. When someone clicks on the ad, you get a commission for every click. It is very real and lots of Nigerians are doing it even as I speak or should I say type!

      5. Create a membership site - if you are an expert in your field and can provide the resources, knowledge and support, you can charge a monthly fee to gain access to your
      membership site. The more members you gain, the more money you make. Because you are an expert in your field, you can also recommend other products and services to your members from which you earn commissions. Another thing you can do is create a site that serves as a platform where people with similar interest meet. A good example is a dating site. To know how to create, run and profit from a membership site you can send an email to

      6. Create a social networking site with user generating content and make money from adverts and product promotion. A good example is the popular facebook. There’s also a new one by a Nigerian called

      7. Forum Monetization: you can decide to start a forum and monetize it with banner adverts and adsense. The more membership you have, the busier your forum, the more money you will make from it. Wondering what a forum is like? Check out this forum with a membership of almost four hundred thousand (400,000) Nigerians home and abroad

      8. Blogging: The word blog is a shortened version of the term web log. It is a type of website, usually maintained by an individual with regular entries of commentary, descriptions of events, or other material such as graphics or video. When one writes a blog and maintains it by adding or removing entries that is called blogging. With blogging the author is not simply called an author but a blogger. And each piece that is written is not simply known as an article but as a blog post.

      Many people have found interesting ways to make money with their blogs. Adding Google ads is a great way to make some money while having ads on your blog that are relevant to the topic at hand. The way this works is that Google will place an ad or link on the pages of the blog, if a reader clicks on the ad, the blogger gets paid a set amount for each ad. While one click may not make one a millionaire, if the blogger consistently provides great material on his or her blog, visitors will continue to read and even click, earning the blogger some easy money.

      Other ways to make money with blogs is to sign up as an associate with or and sell products for commission. You can also sell your own product to your blog visitors.

      Conclusion: Building multiple passive income streams is a great way to secure yourself for the future. You never know if you will be laid off from your regular job, get too ill
      to work, experience a disaster or want to start saving for your retirement. The internet is a great place to create streams of passive income for yourself. You work hard once or a couple of times and you get paid over and over.

      Get Step-By-Step Strategies to Generate Income Online by picking up a FREE copy of: The New Age Work at Home Plan: “Internet-Based Financial Independence in 10 Simple Steps” Feel free to send an email to me at for a FREE copy. Till next edition, keep succeeding!