Many people think that having a high paying job or prospering business can produce financial stability. It can’t. There are many ‘ogas’ in the office that beg for money to pay their childrens school fees or their house rent.

Many people think that giving and tithing can produce financial stability. It can’t. There are many people who tithe and give every Sunday but they are still poor.

Something is missing!

No matter how much you earn, if your outgo exceeds your income, your upkeep will become your downfall!

TO DO
1. Write down how much you earn monthly and how much you spend. Is your income higher than expenses? Is your expenses higher than your income?