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One of the hardest things about saving money is just getting started. This article is step-by-step guide on how to save money and it can help you develop a simple and realistic strategy, so you can save for all your short- and long-term savings goals. Step One: Record Your Expenses In order to save money effectively, one must figure out how much they spend on a daily, weekly and monthly basis. Keep track of all your expenses; this means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Use your credit card and bank statements to make sure you are accurate and don’t forget any. Tip: Look for a free spending tracker to help you get started. Choosing a digital program or app can help automate some of this work. Step Two: Budget for Savings Once you have an idea of what you spend in a month, you can begin to organize your recorded expenses into a workable budge...

Since the introduction of the internet, you can now find jobs that do not really require a degree yet you can still survive. In fact, there are certain skills that anyone can learn from the internet that pay good money. The interesting thing is that these skills can open employment doors to those who possess them. So, if you think that a degree is hard or you want to pursue something that might not have an employment value, you must learn different skills. The amazing thing about these skills is the fact that you can use them to create a business and be the employer and you will hire people instead of waiting to get hired. So, let’s dive right into what you can possibly learn on your own. 1.       Programming (Basic to Advance Coding): The internet is full of programming resources and lessons on various websites like YouTube, Lynda.com and many other platforms. You can learn these skills for free and you can pay for certain courses that have more sop...

Do you want to know the best ways to raise capital for your new company or startup? The statistics of Startup "success" are scary, so it is no wonder that investors are cautious when an entrepreneur approaches them with the next revolutionary business idea. Inc. Magazine reports that 25 percent of all startups will not make it past the first year. Fifty percent die within the first five years and only 10 percent of them make it to their sixth year. Another six percent are gone before the 10th year. How can you avoid being another startup failure? It is all about raising smart startup investments. Use these 10 ways to raise money for startup businesses. 1.       Understand Your Options In sourcing for funds for your business, you must learn the basic investment terminology before approaching potential investors. ·          Private Equity Firms: Private Equity firms manage investment money for private individua...

The Tony Elumelu Foundation (TEF) is an African private-sector-led philanthropy dedicated to empowering African entrepreneurs — will begin accepting applications for the 2020 cohort of the TEF Entrepreneurship Programme, on January 1, 2020. Applications are made through TEFConnect, the digital networking hub for the African entrepreneurship ecosystem, created by the Foundation. The TEF Entrepreneurship Programme is open to entrepreneurs from across Africa, either with new startup ideas or existing businesses of less than 3 years existence, operating in any sector. Successful applicants will join the over 9,000 current beneficiaries, from 54 African countries, and receive business training, mentoring, a non-refundable $5,000 of seed capital and global networking opportunities. Last year, the Foundation received about 216,000 applications, with 42% coming from women entrepreneurs, from every country on the continent. The Programme is a 10-year, $100 millio...

Who Qualifies For The DBN Loan? All MSMEs (start up or existing) involved in productive enterprises are eligible for the loan. However, they must be customers of eligible financial institutions. DBN is poised to provide funding and risk-sharing guarantees through Participating Financial Institutions (PFIs), who will then on-lend to end beneficiaries. DBN loans can be accessed through PFIs, which include Commercial Banks, Microfinance Banks, Development Finance Institutions (DFIs) and other Financial Institutions. DBN loan repayment tenure is flexible (up to 10 years with a moratorium period of up to 18 months) and the interest rates are on a market-conforming and fully financially sustainable basis. How to Get A DBN Loan? 11.         Visit your bank: Commercial Bank, Microfinance Bank, Development Finance Institution (DFI) and other Financial Institutions and indicate you want to apply for a DBN Loan. 22.      The Bank appraises the ...