Does a loan build or brake ?

Does a loan build or brake?

when to have a loan
understand a loan


I recently found 3 people discussing together and 2 in a disagreement while one in a dilemma as he was seeking for a solution to his problem. They where arguing about borrowing money from financial institutions, the money of which has to be paid back with interest. I managed to get all their names. Both James and Fred had ever borrowed money from banks, but unfortunately James borrowed money and added some of his savings and bought a car. With only his salary  partly paid but failed to complete the payments because it was not enough and his properties including a plot of land he used as security for his loan was taken and sold off and was given back a small balance of just $8 and went into a very worse situation than it was before. As a result James decided never to borrow again and he was strongly against borrowing and advising Bruno who had financial challenges and wanted more money to grow his business.  James normally borrows money and pays back very well and grows his businesses and other investments. The above scenario carries a lot to learn especially if you desire to attain financial independence. This time am not offering any solution in the above challenge but rather table this to the audience to come up with the best solution.                                                                                        What is your say about this scenario and what advice do you give Bruno?

New action to prosperity

New is a term we use that means acquiring what you have never acquired that can transform you to realize better life.  Action, is taking a practice step to effect new thing as your habit. Where as prosperity is living a quality life where you can provide yourself all the basic needs and reaching others to realize their dreams without violation of anyone’s rights. So, new action to prosperity is landing at what you have never known and going an extra step to practice that to make it a habit that will help you reach a milestone and live a quality life and well with others.   So, if you are a kind of a person who wishes to realize this in your life endeavor to make use of our content and subscribe to always receive our updates. I want to assure you that you will be transformed and wonder why you where reluctant to embrace this site, and please Endeavour to inform your friends because succeeding with others is what prosperity means. Before I go any further prosperity is based on developing there three basic areas i.e. spirit, body, mind and soul. So, below are a list of things that will help you develop all the above four pillars of prosperity.

  1. Join organized believers, this helps in spiritual growth, whatever you believe in will help you reach an intended goal because your mind will be connected to your spirit and there is nowhere the sprite can’t reach and with proper belief and action you will find yourself getting things in a way you don’t understand.

    create a new strong brand to prosperity
  2. Join new relevant associations and people, whether you like it or not the people you associate with will influence you either positively or negatively, so, endeavor to associate with people that will build you towards the direction of your dream. And don’t quote me wrong I don’t mean to neglect or hate the people whose characters and habits cannot help or even sabotage you from achieving your dream but instead love them to part them positively for them also to make it in life using the inspirations you get from these people above you normally associate with. This will help you attain new better life.
  3. Do exercises, you will never grow health without doing exercises even your mind will not work well. So, no exercises no health, no wealth. This will help you stay longer, escape some diseases where by concentrating more time and other resources to building your dream.
  4. Read books about prosperity and other relevant information, as food is to the body so is information, as bad food to the body results to bad health so also bad information results to a bad or low quality person. If you are to grow find new quality information usually from successful people in your area of endeavors and as well professional people and organizations but most importantly read books, watch tv stations and news that builds you attend seminars, watch and listen to taped and many more related information.
  5. Be of focus, in this world there are so many things that will confuse you and tend to divide your attention, but I encourage you to always stay focus on a particular thing until completion. I don’t mean not to do anything at all but do whatever it takes to bring your dream to reality, if say you are to devote 5 hour every day after job and at night to build your blog or any other side business to popularity, please do it. The worst thing you can do when things become impossible is a rest but as you look the way through. One time I was watching a documentary and a lion could run at one particular cob even if it joins other cobs until the lion lands on its neck, so this is the focus we should have to achieving whatever we want in life.
  6. Find your passion, very many people don’t know where their passion lays and they find themselves nowhere to concentrate and there keep doing what they don’t enjoy and there don’t do it perfectly to bring them to the top. So, finding and going for your passion is a critical step to anyone’s success. If even it means getting trained/going back to study, do it I guarantee you, your passion will save you.


How to create Money Online With Clickbank – Cb Pirate Review

This  post belongs to our guest

The big plus with online, reality that there are countless different websites that review different pores and skin products. Along with the same holds true for make-money-online products.

make money with click bank
make money with click bank

It is certainly not anything difficult but there truly are key in order to learn. While the Bum Marketing technique is not an exact science (what advertising program truly can just be?). With practice and diligence you may turn to make a decent living online.

If you still have to this point, you should have your domain and hosting ready, and in addition have some quality content take a seat on your place. This is very important since our next step is resident of the country Google ad-sense. Before google approve your application, they’ll manually evaluate your website and professional your website is qualified, that means it has great quality content, not only a “Hello World! Test 1,2,3″. After you submit the application, you should wait a short time to sit up for google to approve your website.

There is a way to Make Money Online any website. Within just 5 minutes you can get started without using any kind of your own money. Using clickbank the internet’s largest marketplace 1 of the web’s most desirable search engines, you encounter real income real fast. Best of all without a web site! Clickbank contains thousands of informational that can be sold within web without a website. Products range from “how repair your credit” to “how to save the gas.” The list goes in. They pay 50% to 75% per sale you make for just referring paying customers to some. Signing program clickbank entirely FREE, the contraptions need is a valid email.

Pay per lead programs are good for beginners. You don’t need any experience to find success perform properly business which is one of the many reason s that newbie’s are drawn to this marketing.

Drop shipping – Buy cheap, sell high! No not the stock market, drop distribution. Buy from wholesalers cheap and sell at shop price. Make money on every product sold!

Don’t you TMB Revenue need to be the virtual Donald trump? All you have to do is buy domains and/or websites and then sell on them for profit. You can even start at a ground up and produce the site yourself, and sell. This can be insanely profitable when you get a domain for just $8 promote it for $5000. Let us say you bought the domain for a measly $10? How much do you believe they would pay you for this item?


3 Steps To Successful Article Marketing Today

If you could attract that certain group of people which feel just like about your passion a person do, they’ll become buyers. Maybe you and a nominated friend just adore certain products, big screen televisions, jewelry, or trends. There is a customer base for so many niches online.

easy income fastThe downside to not better still map or a plan is that you could very easily get lost and be vulnerable to directions from complete guests. Or, to put it another way, you may get distracted and decide to stop off at most tourist destination you overlook.

The exact same thing is true when one join the chance. You have perform hard if you’d like to cash. Most people underestimate how hard it in order to Make Money Online when they first start.

When they get that promotion they’ve been wanting and possess more money coming in they acquire a bigger house, a better car and borrow significantly more money. With end laptop or computer they aren’t any better of than these people before.

The Last Bonus is really great, It is a great in order to out your skills to the test. I can’t reveal what it is having said that will like a good test for your newly acquired marketing skillsets.

The Autopilot Profits system truly can be a complete Plug ‘N Play, Turnkey money machine for you to print profits for you automatically. The Blueprint, may divided into simple Easy Income Fast to understand steps, indicates exactly for you to do, how to do it and where to do the program. As an added bonus it a person a great Step-By-Step ‘Do-This-And-Then-Do-That’ Action To be able to follow and Guarantees that one could make profitable trades!

Low others. Don’t pick a topic that is outrageously competitive, like “online radio”. Examine the second page of Google results to see if the competition is too ferocious. Chances are, if you can reach the second page, within long-term you may make it to your first. Along with follow the below guidance.

Going for job or a business?

                                                      Going for job or a business?

Going for a job or business
Going for a job or business

This is a question that I found two people arguing about, and I thought its relevant to discuss it on this platform to share it with my comrade users of this site, because this is a question that cuts across any human being who has reached an understand and the purpose of money. As these two alone constitutes over 98% of the sources of income we have on this planet, so we have to handle this question wisely. I managed to get the names of these gentlemen (i.e. Bruno who was in for a business and john who was in favor of having a job) but unfortunately these guys went quickly abruptly without me sharing about the issue but I have decided to bring it to this platform to share my views here and also give you an opportunity to share yours even to social media (at the bottom of this post) so that at the end of it all we are able to take right discussion for the sake of our success. But before I give you my view I want first to give you the basis each of these gentlemen’s line of argument. John was saying that having a job is fan, assured of money at the end of the month, no hassles like in running a business etc. While Bruno was arguing that with business you’re the own boss, you can do other things diversify your income and easily become rich than having a job which will be the only source of income due to limited time to diversify and manage your ventures. its as well true that according to their discussion Bruno first went for a job but he was not comfortable with the way the job treated him (ie bosses commands, salary comes when the debts are almost equal to it, there is little or no saving at all, little or no enough time to concentrate on you things etc). Also john first went for business but he could not generate more money to grow the business that resulted in loss of customers, a lot of expenses like rents, taxes, losses etc. This experience was one of the main reasons for their disagreements. So, this is my say:
As you can see one fails in one area and another succeeds in the same area and vice versa. This is a common phenomenon in this world, one succeeds but one doesn’t understand why and how it came about, so is failing. Human beings we are create differently with different talents, passion and uniqueness, to succeed in life you have to discover yourself and make use of these ingredients in you. God created us differently because our needs and wants are different and there is something within you that God entrusted you with to satisfy his people so if you discover that and go boldly for it you will do it perfectly and blessings and opportunities will embrace you to realize, you are a great successful person that everybody want to associate with. So have what it takes to go for something. Don’t go for a business because you have no job, if you have no passion, skills and commitment you will never make it. But you can go for a job because you have no business if you aim is to raise enough capital, have skills, tools people and knowledge to enable you start your own. If you don’t have enough capital and knowledge first find your passion or a business you love doing and join a big related business after sometime when you have acquired enough capital, people, tools and knowledge quite and start yours. I have disciplined this question based on true meaning of success. But if you looking at accumulating money, my dear friend the reader of my posts I recommend you to business. You will never never and never accumulate great wealth without building businesses/investments and you will never show me top richest people in any country who are generating ther wealth not in business investments. But I encourage you to learn skills to build businesses that you may leave for months or even a year and find it running still better, (read Robert kiyosaki’s books especially that of cash flow quadrant) otherwise these businesses that requires your presence always are not businesses by your job, where when you get sick its also on bed rest and if it happens that you are unable to attend to it for like a months or more it will fail or start it a fresh. Another advantages of a business over a job are;
i) You own it.
ii) It keeps growing as you also grow.
iii) It supports you after your retirement.
iv) You can pass it to your children And even further.
v) Easy to grab opportunities like tender that can push you to greater far.
vi) Etc.
My dear, this is my view i want also to hear yours, do you support Bruno or john?

secretes of multimillionaires

secretes of multimillionaires

You may think that being a multimillionaire is just a far dream beyond your reach’ but becoming a multimillionaire require certain habit that need to be adopted within you to cross there. Below are some of these habits/secretes of multimillionaires.

  1. Decide to be a millionaire. Make sure that your mind body and soul are fully aware that you want to be a millionaire. Make a definite statement at least 3 times a day, e.g. “I want to be 10 million dollar rich gay within 5 years” and clearly state how you expect to get it. You can as well write it somewhere you can see and read it everyday or any other methods that daily reminds you of your dream. This alone will later create a force towards becoming what you want to be and as well creates opportunities drawn towards you into becoming what you want to be. Then you will later find yourself a multimillionaire in uncommon way you don’t understand then you will wonder about these secretes of multimillionaires.

           Being rich is a choice as well as being poor.

working smart
fruits of working smart
  1. Treat it like a duty. Multimillionaires expectations are always very high, even if they fail they think again and look at their mistakes and come back in a different version. Make sure that you and your body, mind and soul are aware that its your duty to be a millionaire, you will not stabilize until you become one and you will. This determination and willingness to do what it takes to achieve your dream are great secretes of multimillionaires.
  2. Surround themselves with multimillionaires. Rich people understand it that its motivation and knowledge that makes you fly. Rich people always motivates in the way they say or do things and the way they think. This helps you get inspired to think big and do big things if you surround yourself with such big people far ahead of you. Millionaires motivates in the way they do their things and even things they do, and many people want to associate with them in so doing you will also admire that state. That alone creates a great force and opportunities to becoming a millionaire.
  3. Get rid of poverty thinking. Most of the people get the poverty thoughts from their ancestors who where poor and the poverty cycle continues from generation to generations. Thoughts like rich people are greedy, money doesn’t grow on trees, am not made out of money, there is no money etc. replaces them with those for the rich such as there is abundance of money in this world, money is power, money is great etc. you will get transformed.
  4. Create and buy time. Rich people understand that time is more valued than money and that’s what God gave us all equally and the way you use your time determines your state. They hire it from the poor and get many hours a day if not a year a day which gives them better potential to gather lots of knowledge and energy to generate a lot of money for them. One person like bill gates buys time from thousands of people for an average time of not less than 8 hours a day consuming hours close to million a day gathering a lot of knowledge and skills hence huge sums of money.
  5. Invest more in assets than liabilities. Rich people invest much of their money in things that brings money to their pockets/account and grows in value with time such as houses, businesses, stocks etc unlike the poor and middle class who put much of their money in things that takes away money from their pockets and depreciate with time such as cars, home appliances etc.

                  After acquiring successful habits wealth get attracted to you in the most                                       unexpected

                    Ways and that’s when you will understand these secretes of multimillionaires.

  1. Diversify your income. The rich don’t depend on only one source of income, they have multiple flows of income because they understand that at given time t your certain source of income may encounter certain challenges which may lead to collapse but with multiple source one aids the other and there is a diversified growth in knowledge.
  2. Pay yourself first. When I first heard of this I thought it was not to pay others and hence being greed and not Godly but it’s not like that, you must pay others as well but pay yourself first. Paying yourself first means whatever income you generate immediately take off not less than 10% and save it to your investment account ( an account intended for buying things that bring money into your account such as land, business ,business machines etc ). This is a great secrete my dear who wish to be a millionaire because if you don’t do this and pay other things first like rent, electricity bill, home needs, etc. you will find at the end having no money to save, but if you pay your self first you find yourself able to survive on the remaining income and will find yourself building investments with time and create grate wealth. The advice I give you is to save with a purpose not saving recklessly and when the money is enough for what you want please buy it and start saving again, this will encourage you see what you have done and motivate you to save more and again the money that is saved is not generating enough returns than the invested money.


  1. They have a sense of agency.
  2. They find strong mentor.
  3. They focus on leverage.
  4. They don’t care what other people think.


Thank you for visiting this post, endeavor to give your comments to newactiontoprosperity2015@gmailcom or send any inspiring or guiding article to success to this website localhost/newactiontoprosp

Or call 0756956936.

                               Advertisers, sponsors and donors  are welcomeWe are doing this to help raise money to put this site to a better level and build a strong infrastructure to reach millions of people across the world to realize success in their lives and live a better life. For our advertisers and sponsor the prices are just fair for this cause not comparable to others with our viewers in thousands and growing at a very high rate everyday so your benefits are guaranteed. The rest who may be our users and other lovers of this site who may feel like donating for this cause you can donations through this donate button or contact us as in any ways bellow. Remember there even benefits as a donor and even as a sponsor or an advertiser.                               Contact us 1. Email:                                                                 2. Tel: +256782493844.                                                                 3. Opposite Nabisunsa girls school main gate-Nabisunsa raise kampala-uganda.                                                                 4. localhost/newactiontoprosp.                                                                                                                                                                                       Thank you all, God bless you richly.  


simple personal branding for success

  Simple personal branding for success

          Tips for entrepreneurs.

When we talk of branding many people think of companies and other organizations that spend much money on their brands. This time we have brought to you great tips to help you personally improve your image and be able to sell allover and therefore increase your opportunity to succeed in life.

  1. Be authentic. If you are authentic, unique and totally committed to what you do, it will show and people will easily buy into you. Know what people want and then strategize yourself to achieve that, you will be surprised how this will greatly empower you.
  2. Create a personal blog. If you don’t have one you are loosing much so, start one as soon as possible. A personal blog with relevant insights and ideas will fuel your personal brand. But you have to understand your audience and serve them to the best of wants; Google analytics will help you in that if employed on your blog.
  3. Target certain type of people that will help you achieve your dream. In this world there are certain number of people who wish see others succeed and that’s what makes them happy try to find these rear people and you understand what am talking about.
  4. Research the competition. Whatever kind of person you wish to be, there is someone else who has already reached there. So, what you have to do is study them and understand their areas of weakness and develop them well while mastering their strength as well.
  5. Learn new skills often. Make sure that you are a good reader and listener such that you are always ahead in your talking so that people are always learning from you.
  6. Join online industry communities. Find out some communities/organizations that are likely to promote your interests and objectives and join then. This will always help you stay motivated (an essential ingredient to achieving any dream) and focus.
  7. Network like a beast. Try to connect with people locally, nationally and internationally with aid of networking sites such as LinkedIn that may link you with other professionals who may aid you to achieve big.
  8. Promote yourself. Believe in yourself and know that you are the best; if this is done confidently soon you will see people starting to believe in you and this will push you to greater heights.
  9. Become an authority. Be an expert in a certain field and every body around knows you, this will greatly sell you.
  10. Use images consistently. Have a good looking professional photograph and then use it in every one of your profiles to create consistence.
  11. Be willing to help others. If you help others in their efforts to realize their dreams and participate in solving and sharing with their challenges ,you will create a great force that draws people to you hence will come back to support you and create to you very many opportunities. This positive force will make you a cream that will always rise to the top.


Please endeavor to visit the success clinic ask any question related to success/prosperity in life or answer a question, we look forward to sharing challenges and knowledge to realize success in our live. So don’t fear to participate, this is one way to make you big. For challenges related to its use try to contact us.


                               Advertisers, sponsors and donors  are welcomeWe are doing this to help raise money to put this site to a better level and build a strong infrastructure to reach millions of people across the world to realize success in their lives and live a better life. For our advertisers and sponsor the prices are just fair for this cause not comparable to others with our viewers in thousands and growing at a very high rate everyday so your benefits are guaranteed. The rest who may be our users and other lovers of this site who may feel like donating for this cause you can donations through this donate button or contact us as in any ways bellow. Remember there even benefits as a donor and even as a sponsor or an advertiser.

                                Contact us 1. Email:

                                                                   2. Tel: +256782493844.

                                                                   3. Opposite Nabisunsa girls school main gate-Nabisunsa raise kampala-uganda.

                                                                   4. localhost/newactiontoprosp.


                                                                                       Thank you all, God bless you richly.


Rules that leads you to be a great investor.

Rules that leads you to be a great investor.

brandson a great investor

In the world of investment there are three things to master ie first, the rate of return on an investment (if I put say $1000 in an investment how long will it take me to get it back) and the shorter the period the better. Secondary how secure is the investment, a great investment should last.

Thirdly loss prevention, this should be a skill that you should learn or employ better systems to prevent this from occurring. If you understand these factors better and employ them you will have great investments. So, below are;

some of the tips that will guide you realizing this in your life.

1. Don’t Rush for quick money, there is no single venture that you have to put money in the morning and you rich in the evening. Money comes as a reword for efforts invested in a particular thing and this effort must be in form of knowledge, money, persistence, right people etc and all these cant be acquired in a single day. It may be true that you may play a game say with lotto and win a lot of money but this money will still go away from you because you haven’t build yourself to handle that in some ways some of which are mentioned above.

The truth is if you want to be a great investor aim at building yourself in a direction of your dream and at a certain time t you will get qualified and your dream will come true ie you will gain the required habits and you will take investments to a greater level hence a great investor.
2. Don’t keep slowing good money after the bad; what is most important in the game of investing is to keep learning every day. When a bad result shows up that’s clear that there is something bad you employed into the system and there is a need to do a rethinking and research to come up with a clear course such that you do again and come up in a different version that will see things do better. But don’t just keep adding money when the results are not good but rather keep researching for a lasting solution to the raising challenges as you rise towards becoming great investor.
3. Diversify your investments, there saying that don’t put all your eggs in one basket , I don’t refute this because of two major reasons first, any thing tragic can happen to your investment though insured it can come from the other side not protected or a dramatic fall in the demands of your product/service . This may lead you to fail but if you have the second one it becomes the helping hand. Secondly you learn a lot with different investments than one and this leads to transmission of knowledge from different sectors to other sectors leading to growth in investments.
4. Where you have no passion employ those with passion, its advisable not to invest in an area where you are not passionate about but some times when an opportunity arises don’t just let it go the solution is to employ people who are passionate about that they will do it well for you. But if you are to do it yourself when you are not passionate about there are big chances that you will fail.
5. Focus on risk, think about this statement focus on returns the risks will come for you focus on risks the returns will come for you. This is true because if you concentrate on returns it means that the way for risks is open and they will not estate to come. Consider also this statement action and reaction are equal and opposite (this is Newton’s third law of motion). My dear if you don’t know this take it from me whatever action you take on this plate it will face opposition whether you like it or not and if you don’t master this and always deal with it boldly this opposition force will always put you down but if you always handle it seriously you will always make it.
6. Act now. If you want to be a great investor learn to act immediately, as soon as you wish to invest in a particular thing immediately research and understand that particular thing but before you invest in it. Then after that take the necessary action, there is a great power in acting immediately do it you will experience this power and you will tell me.

other facts

7. Have right people.
8. Have a mentor.
9. Have it as your dream
10. Save regularly

thank you. 

New action to prosperity


Top 7 Ways to Succeed in the Business of Speaking

Business of Speaking

Speaking well is key to success

Ways to succeed in public speaking How attractive are you as a speaker? Not, your looks, but your consistent ability to provide a quality presentation, attract clients, and be irresistibly attractive to meeting planners and speaker bureaus? do the, you will succeed in the business of speak. Below are…

Continue reading “Top 7 Ways to Succeed in the Business of Speaking”

How to get out of debts

How to get out of debts

You may be one of people who wishes to be successful in life but debts are always on your neck which is a big hindrance to your desire to realize financial independence, and of course if you don’t learn and implement these tricks/habits that enables you get out of debts, your desire to achieve financial independence may never come true. Below are habits when implemented will lead you out of debts and to financial independence?

  1. Get another source of income, this may sound tricky to you because you think you have not saved money for a new venture but now be ready to change your mindset and refocus your energies on these;                                                                                                                                                                  i) make your budget for a new venture that quickly brings money back in a short while      and then secure money by negotiating postponement of payment of debts that don’t attract more interest rate, selling of your unused things, borrow from relatives, friends and lastly to financial institution to top up for if there is still money missing to start up your venture.                                                            ii) If the above fails look for another part-time job.                                                                                   iii) or take your hobby to another level to start bring money to you.
  2. Change the way you are living, if you are growing more debts this automatically means that you are spending more than you earn. Therefore you have to cut some expenses somewhere in your budget say shifting to a cheap house/room and where the cost of living is cheaper. This alone will help you save some money to help you boost your venture and pay off debts.
  1. Find new people of more value, by living on debts in most case you have copped these poor habits from your friends and in most cases they also have debts like you, so you have to identify people within your community and beyond whose habits are of great value that yields true success such as saving regularly, investing in things that bring money into their pockets, spends according to budget etc. These people will inspire you and get attracted to them and you will find yourself doing things the way they do them and hence attain success like them.
  2. Celebrate any achievement in (towards) debt reduction. To some of you this may sounds a weak point but this is a great tool to achieving almost anything in life, this is so because it redirects and focuses your brain towards that particular thing and by doing that you have already half succeeded due to the fact that your success is in your mind. Without convincing, motivating and refocusing your mind to that particular thing you want in life believe me my dear you will never succeed, the brain is responsible for transmitting your need into spiritual nature that encircles the world and that particular thing is brought to you in the most unknown way to you and only you will realize success in the early hour.
  3. Pay yourself first. With this you are supposed to immediately take off not less than 10% of any income you receive to your investment account (an account intended for setting up strong long lasting ventures/assets which are stable and in long run generates stable riches such as land, mutual fund, business (stable) etc. But this money can for a meanwhile be redirected to your quick and high return on profit ventures to enable you generate more profits to pay off your debts. If you don’t do this and pay other things first like rent, your daily needs, water bill, electricity bill, tax, etc, you will find yourself with nothing left to save and you will even not be able to fund your ventures and may end up collapsing.
  4. Live on budget. Always draw a budget for a certain period of time say monthly and stick to it to avoid spending on unplanned things or excess which may be a wastage of money and resources that could have been saved and injected into your ventures that generates more profits to clear your debts.
  5. Have a list of debts and draw a plan to clear it. By having this it guides you to pay off debts each at a time depending on your level of income.
  6. Be frugal. Train your self not to easily spend on luxurious and simple things that you can live without if you want to get off yourself from the life of living with burdensome debts.
  7. Read personal finance books and attend business seminars. Try always to have personal information material that educates you how best to handle such related circumstances and you will live an inspiring life and see the way through, remember inspiration is the starting point of anything.
  8. Use home prepared mails and drinks. If you prepare these at home you save a lot and in most cases you take healthy foods and drinks to satisfaction hence taking longer hours to get hungry and saving yourself from talking additional small eats like chapattis, tea, etc, to keep you moving. This helps you to save money to clear debts.
  9. Turn liabilities into assets. If you have liabilities (things that take away money from you pocket or do not grow in values or depreciates in value with) such as personal car, TV set, etc. they can be used to generate more money instead of taking more of it from your pocket, say a personal vehicle can be made for business (hired, or sold and another one that suit the business is bought) and so on.
  10. Reduce on using credit card; this adds debt to already existing one, so ensure that you try avoiding it as possible as you can if you want to go away from your debt burden.
  11. Find opportunities, there are always other opportunities that surrounds you so what you need is to do a rethinking about yourself and the environment too and do a self study as well to know what you love and can do best such opportunities may be political leadership in your community, social service, etc.
  12. Exploit job benefits, if you have a job it comes with many benefits such as lunch allowance, so if you have such an allowance don’t consume it all for lunch but find a cheaper food and do some saving to clear your debts.
  13. Get a life skill, this is a very powerful weapon in this regard because you need little capital or no capital at all and the earnings remain still big sometimes like that of an employee or small business owners or even bigger and the better thing with a life skill you keep growing market and income. So this helps greatly when you are in debts.


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