1. Earning:
Never depend on single income. Make investment to create a second chance.
2. Spending:
If you buy things you do not need, soon you will have to sell things you need.
3. Savings:
Do not save what is left after spending, but spend what is left after saving.
4. Taking
Risk: Never test the depth of a river with both feet.
5. Investment:
Do not put all eggs in one basket.
6. Expectations:
Honesty is a very expensive gift. Do not expect it from cheap people.
7. Paper:
Past is a waste paper, present is a newspaper, and future is a question paper.
Come out of your past, control the present, and secure the future.
8. Happening:
When bad things happen in your life, you have three choices. You can either let
it define you, let it destroy you or you can let it strengthen you.
9. Eye:
Our eyes are in the front because it is more important to look ahead than to
look backwards.
10. Pencil:
We use pencil when we were young, but now we use pens. Do you know why? Because
mistakes in childhood can easily be erased, unlike mistakes made in adult.
11. Begin:
Just begin whatever your plan and aspiration for 2019. Just begin now without
looking back, in fact you will be happy you did!
12. Recitation: Make it an
habit to read portion of Holy Quran or Holy Bible on daily basis before going
out of your resident and also before sleeping at night. God is great! 
Muslim: Suratul Fatihah 1:2 : Alihamdulillahi Robbil Alamin
Christain: 1 Thessalonians 5:18 : In everything give thanks; for this is the will of God in Christ Jesus for you.
Compliments of the season. I wish you all a
prosperous 2019 and New Month. It is your choice to make a difference in your life….above all
look up to God Almighty…without Him we are nothing!
Patriot Odunaro B.J
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