✒️ comfort

[✒️ comfort @icomfortjohn]

-Plan your expenses.
-Set financial goals.
-Educate yourself about money.
-Don’t outsource all responsibility to others.

You prayed and worked hard for this income, don’t lose it to carelessness.

No one understands your financial story like you do.
Own it. Manage it. Protect it

[✒️ comfort @icomfortjohn]

Abby’s body dangled freely from the balcony of their apartment.
She hadn’t fallen only because her tiny hands clutched the guardrail.

Her mum had just stepped away for a drink.
When she turned and saw her child hanging there, her heart stopped.

[✒️ comfort @icomfortjohn]

But now, you’re earning. You’re running your business, freelancing, building your career.
Money is flowing, and so are responsibilities.

You can’t treat your finances like you did when you were carefree.

Just like Abby’s mum had to step into responsibility,
you have to step up

[✒️ comfort @icomfortjohn]

is also for security 
After which you must move to being an investor, which is one that makes money work for him and grows itself 

So tell me, Which part of this cycle are you currently in?

[✒️ comfort @icomfortjohn]

The real money journey isn’t about how much you earn.
It’s about how you progressively think about money and use money 
It’s about moving from just spending to saving and going on to invest money 
If your income moves from 200k to 500k and you still repeat the same money

[✒️ comfort @icomfortjohn]

pattern you had as a child 
Then your money journey is still very stagnant, no matter how much you earn
To have a progressive financial journey, you must shift your mindset from that of a mere spender that thinks money is just for enjoyment to being a saver that knows that money

[✒️ comfort @icomfortjohn]

•Start with what you have N1,000, N5,000, N10,000- The goal is not wealth building yet, it’s habit development for now 
•Repeat every month- consistency is how habit is built 
•Increase with time 
This way, when your income increases, your savings follows naturally

[✒️ comfort @icomfortjohn]

Here is the biggest lie young people tell themselves about money
“I Will Start Saving When I Earn More”
Truth is, if you don’t save a portion of your N50K salary, you won’t magically save out of your N500K salary because with an increase in income comes an increase in expenses

[✒️ comfort @icomfortjohn]

So if you don’t have a savings habit when you earn little, you won’t magically develop one when you earn more 
So savings is not about the amount you put aside, it’s about building the habit. And, you can develop this habit by doing the following:

[✒️ comfort @icomfortjohn]

•Lending money you can’t afford to lose

Being broke doesn’t happen in a day
It happens leak by leak.

Cut 2 of these and you’ll instantly free up cash.

[✒️ comfort @icomfortjohn]

5 Things Keeping You Broke Without Realizing It 
Everyone is guilty of number 4
•Buying “cheap little things” that add up
•Subscriptions you forgot to cancel
•Eating out too often
•Upgrading your lifestyle and ignoring your savings  every time you get a raise

[✒️ comfort @icomfortjohn]

Here are 5 money advice I wish I heard earlier
•Live below your means 
•Save first, spend later.
•Avoid debt for things that lose value.
•Start investing early — compound interest is real.
•Money is a tool, use it to build 
If I started earlier, I’d be way ahead

[✒️ comfort @icomfortjohn]

Your money should work for your goals first, not your emotions or other people’s validation

[✒️ comfort @icomfortjohn]

Most people do this with their salary 
•Spend first
•Save “whatever is left” (usually nothing).
That’s why they’re always broke.
Here’s the smarter way to deal with your money 
Ensure that you Save Before You Spend
1️⃣ Decide how much to save (10–20% works for a start).

[✒️ comfort @icomfortjohn]

2️⃣ Transfer to savings/investments the moment you get paid or if you know that you will not be disciplined enough to transfer it yourself, then automate your savings 
3️⃣ Live on what’s left.
When you do this, you’ll always move forward financially, even if you earn little.

[✒️ comfort @icomfortjohn]

IV- Which bank account will you put this in? (remember, it should be safe and accessible)

Having an emergency helps you navigate life’s surprises with some level of steeze and composure

[✒️ comfort @icomfortjohn]

Here’s a simple template to help you save up for emergencies, so that you will not be stranded when life happens

[✒️ comfort @icomfortjohn]

No need to feel overwhelmed by the amount, just break it into monthly targets 

III- How much will you save every month to get to this amount? 5k, 10k

It doesn’t matter how small, make sure you put something down for emergency monthly