CashFlow: CASHFLOW STAFF PAY ADVICE PAYSLIP FOR NOV.DEC

CASHFLOW ENTERPRISE NETWORK BUSINESS IDEA DATA ANALYSIS

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THE PARABLE OF DOLLARS

YOUR ACTION PLAN

USING WHAT YOU HAVE

Some call it talent, some call it ability, still, some call it inborn, but what ever it is, you can use it to your advantage.

The starting point of financial breakthrough is for you to realize that your just God’s steward. The money you have is not really yours but something committed to your trust by the real owner.

It is a breakthrough when you understand that there is nothing you have that you have not received. You must handle your finances as God’s steward. It is not yours; your simple put in charge of it. When you are conscious of your stewardship, you will always consult the real owner, God, before making decisions on your finances. You will always be accountable to him.

What is your area of strength / talent?

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How do you know what is your strength?

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Is it working for you?

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What do people say make you stand out?

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What are you doing now? And what would you rather be doing if money was not an issue and if you are assured of success?

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Write out clearly and concisely all the information in step 1-5 above.

What is your conclusion?

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Which of these- education, money, relationship, skill, assets and so on, do you have that can be of help?

MONEY MATTERS

If you have a financial miracle, how would you handle it (Write about six things)

Narrow your answer above down to two and give reasons.

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What investment opportunities are open to you?

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How would you like to take advantage of them?

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Well, financial progress does not happen by chance or by wishing. You should understand that just wishing your finances were better will not get you anywhere. “If wishes were horses, beggars will ride”.

You must commit yourself to a definite plan of action. Let us go on…

1. What product or service are you offering presently?

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2. What is your current income? (monthly or annually)

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3. How much do you have in savings?

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4. How much do you have in investment account?

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5. Which do you prefer: to work for money or that money or that money works for you?

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.6 Are you from a rich, lower or midde-class background?

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7. If you were asked to get N1 million within the next month, how would you feel and how would you get it?

Money far away from those who do not know how to treat it well. Makeup you mine to change your attitude towards money so it can flow towards you.

YOUR ACTION PLAN

The major different between the rich and the poor is internal. Being rich is a matter of the heart. Zig zigler once said: for us to do things the have always done them, and to expect different result is one of the definitions of insanity.”

Let us find out how you can change your attitude and develop a wealth mentality.

1. How do you measure your self – worth? Is it by who you are or what you have?

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2. Which is better; to be rich or to be poor? Why?

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3. Is it true that money is the root of all evil?

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4. Who are the people who advice you about your finances?

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5. What is your reaction to successful and rich people? How do you perceive them?

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6. How do you react to seemingly impossible breakthrough ideas?

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PONDER OVER THE FOLLOWING

You can never be poor if you:

Support your thinking with the bible
Read the books rich people write
Associate with rich people
Are careful about those who advise you.
Make your money work for you

7. It takes money to make money. Yes or no?

8. How many books do you have on finances?

(a). less than 5 (b) 5-10 (c) 11-20 (d) 21- 30 (e) 31-40 (f) More than 40

9. List five negative emotions?

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10 List five positive emotions?

11. How can you change your emotions from negative to positive?

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12. What is your vision for your life?

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13. How does it affect your thinking?

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14. If you do not have a vision, come up with one now and explain why.

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15. How do you refer to yourself - a rich or a poor person?

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16. Have you been behaving like a rich person?

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YOUR ACTION PLAN

You are not really free until you are economically free. If you exclude finance from the blessing of God then you then you are enslaved because the rich rules over the poor.

1. Do you often think there is abundance in your nation .or do you think there is lack?

Five steps to help accurate thinking for success.

Decide on a definite goal.
Decide on a definite time frame.
Decide what you are ready to give in return.
Think about your goal everyday.
Write down your goal.

3 The key word here is planning

a) Write down 10 goals plan to accomplish in your lifetime.

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b) Write down 10 goals you plan to achieve in the next 10 years.

c) Write down 10 goals you plan to achieve in the next one year.

ONE-YEAR TURN-AROUND

d) Write down your targeted monthly income this time next

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e) Write a special date for its accomplishment next year.

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f) State the work, product or service you will offer in return for that income.

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4 . Journey to financial freedom

a) Decide your retirement age, that is, the age which the investments from your income can pay your bill if you do not work another day in your life.

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b) Estimate what your monthly expenses will be at that age.

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c) Determine how much you need to have in investments at a realistic interest rate to yield what will pay your bills.

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Example:

If your estimate expenses at age 60 is N50,000 per month that adds up to N 600,000 per year. If you get 10 percent interest per year on your investment, N 600,000 is 10 percent of N 6 million. Therefore you need to have N 6 million in investments at age of 60 years.

d) Calculate how much you to invest yearly with compound interest to achieve the required investment figure at your retirement age. (see table 3.1)

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Example: if your 30 years old, you have another 30 years to build your investment to 6 million. Assume you will earn 10 per cent interest yearly on your investments

According to the table, assuming 10 per cent compound interest, you will build N 600,000 in years if you save N 8 daily.

To build N 6 million in 30 years, in you must save N 80 daily. That means you must save N 80 x 30 = N 2,400 a month. Go through the steps and come up with your own figures.

5. Practical steps

a) Save from every pay cheque

b) Save unexpected income

c) Invest from a fixed deposit

d) Invest in shares of profitable companies

e) Invest in start up companies

f) Invest in real estate

g) Start your own business (this has a high rate of returns)

6. Increase your earning ability. What you learn determines what you earn.

What do need to do in the next one year to improve your skills?

Table 3.1 (figures are in thousands of naira)

At 5 per cent interest annually

Daily

Savings 5yrs 10yrs 15yrs 20yrs 30yrs 41yrs 45yrs 54yrs

N 1 2 5 8 13 25 50 60 100

N 2 4 10 16 26 50 100 120 200

N 3 6 15 24 39 75 150 180 300

N 4 8 20 32 52 100 200 240 400

N 5 10 25 40 65 125 250 300 500

N 6 12 30 48 78 150 300 360 600

N 7 14 35 56 91 175 350 420 700

N 8 16 40 64 104 200 400 480 800

N 9 18 45 72 177 225 450 540 900

N 10 20 50 80 130 250 500 600 1000

N 11 22 55 88 143 275 550 660 1100

N 12 24 60 96 156 300 600 720 1200

N 13 26 65 104 169 325 650 780 1300

N 14 28 70 112 182 350 700 840 1400

N 15 30 75 120 195 375 750 900 1500

N 16 32 80 128 208 400 800 960 1600

N 17 34 85 136 221 425 850 1020 1700

N 18 36 90 144 234 450 900 1080 1800

N 19 38 95 152 247 475 950 1140 1900

N 20 40 100 160 260 500 100 1200 2000

Table 3.2 (figures are in thousands of naira)

At 10 per cent interest annually

Daily

Savings 5yrs 10yrs 15yrs 20yrs 30yrs 41yrs 45yrs 54yrs

N 1 3 6 13 25 75 200 300 1000

N 2 5 12 25 50 150 400 600 2000

N 3 8 18 38 75 225 600 900 3000

N 4 10 24 50 100 300 800 1200 4000

N 5 13 30 63 125 375 1000 1500 5000

N 6 15 36 75 150 450 1200 1800 6000

N 7 18 42 88 175 525 1400 2100 7000

N 8 20 48 100 200 600 1600 2400 8000

N 9 23 54 113 225 675 1800 2700 9000

N 10 25 60 125 250 750 2000 3000 10000

N 11 28 66 138 275 825 2200 3300 11000

N 12 30 72 150 300 900 2400 3600 12000

N 13 33 78 163 325 975 2600 3900 13000

N 14 35 84 175 350 1050 2800 4200 14000

N 15 38 90 188 375 1125 3000 4500 15000

N 16 40 96 200 400 1200 3200 4800 16000

N 17 43 102 213 425 1275 3400 5100 17000

N 18 45 108 225 450 1350 3600 5400 18000

N 19 48 114 238 475 1425 3800 5700 19000

N 20 50 120 250 500 1500 4000 6000 20000

Table 3.3 (figures are in thousands of naira)

At 15 per cent interest annually

Daily

Savings 5yrs 10yrs 15yrs 20yrs 30yrs 41yrs 45yrs 54yrs

N 1 3 10 20 50 100 250 1000 5000

N 2 5 20 40 100 200 500 2000 10000

N 3 8 30 60 150 300 750 3000 15000

N 4 10 40 80 200 400 1000 4000 20000

N 5 13 50 100 250 500 1250 5000 25000

N 6 15 60 120 300 600 1500 6000 30000

N 7 18 70 140 350 700 1750 7000 35000

N 8 20 80 160 400 800 2000 8000 40000

N 9 23 90 180 450 900 2250 9000 45000

N 10 25 100 200 500 1000 2500 10000 50000

N 11 28 110 220 550 1100 2750 11000 55000

N 12 30 120 240 600 1200 3000 12000 60000

N 13 33 130 260 650 1300 3250 13000 65000

N 14 35 140 280 700 140 3500 14000 70000

N 15 38 150 300 750 1500 3750 15000 75000

N 16 40 160 320 800 1600 4000 16000 80000

N 17 43 170 340 850 1700 4250 17000 85000

N 18 45 180 360 900 1800 4500 18000 90000

N 19 48 190 380 950 1900 4750 19000 95000

N 20 50 200 400 1000 2000 5000 20000 100000

YOUR ACTION PLAN

Parkinson’s Law states that expenses will always rise to meet income. You must fight Parkinson’s Law. Learn to save. It is a profitable principle. In world’s financial system, you are advice to save at list 10 per cent of your income.

1. If you have an opportunity to invest, what would you invest in?

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2. What is the reason for your answer in number 1 above?

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3. In your choice of investment, what would you prefer: freedom or security?

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4. List 5 (five) business ideas you could invest in

a._____________________________________________________________________________

b._____________________________________________________________________________

c._____________________________________________________________________________

d._____________________________________________________________________________

e._____________________________________________________________________________

5. Which of the above would be your option?

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6. Will your idea in question 5 generate income?

If Yes, how? & If No, why?

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7. Would you prefer to become CEO in your current company or to start your own business?

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8. If you meet with disappointment in your choice of investment what would your attitude be?

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9. List three steps you will take in the next 30 days to change your financial status?

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If you achieve this, take time to celebrate and keep moving.

YOUR ACTION PLAN

1.Definiteness of purpose is the most potent tool for wealth creation. State in one sentence your purpose in life.

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2a. Identify from the list below the three that are most important to you because they define your values and personal needs.

a. Adventure b. Independence c. Security

d. Family e. Beauty f. Love

g. Fun h. Health i. Happiness

j. Communication k. Humour l. Learning

k. Creativity n. Respect o. Emotional Connection

p. Ministry.

2b. List two money making activities in each of those three areas of your choice?

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Your financial abundance is tied to your passion about what you are doing to make money. In other words, money flows in the direction of energy.

3. What are those things that ignite your passion? List out six (6) of them.

a. ____________________________________________________________________________

b._____________________________________________________________________________

c._____________________________________________________________________________

d._____________________________________________________________________________

e_____________________________________________________________________________

f._____________________________________________________________________________

4. Ask yourself some basic questions and answer them.

· Who am I?

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· Why am I here?

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· Where am I coming from?

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· Where am I going?

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5. Pray and ask God questions.

6. Start operating in your area of expertise and talents.

Learn not to fit into other people’s schedules; rather fit other people into your schedule. You have only one life to live.

YOUR ACTION PLAN

Change your mindset about rich people or about being rich. Poor, short, tall, light, dark, intelligent or stupid people also go to hell and heaven. Heaven is not the excusive right of the poor. It is the exclusive right of those who have accepted Jesus as their lord and personal saviour. The rules for being rich and for going to heaven are different.

1 Is God part of your life?

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What is the ‘G’ factor?

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Does God have control over your wealth?

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How are the poor supposed to be treated?

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List out three (3) things you will spend your money on if you will not have to give

account of your spending.

a._____________________________________________________________________________

b._____________________________________________________________________________

c._____________________________________________________________________________

5. What is your response to this adage “A bird in hand is worth two in the bush”?

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6. Can you leave what you have now to go in pursuit of something better, based on a promise?

7. How will you handle greed?

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8. How do you see money?

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9. What position you place money in your life?

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10. How do you spend your money? Let us find out.

Write down every amount of money you spend everyday. This will show you the direction of your spending.

Giving : Malachi 3:10 says; “prove me now says God, bring your tithes and offerings, let there be meat in my house and see if I will not open for you the windows of heaven and pour you out a blessing”

God says he will pour out a blessing, not money. You may be looking in a wrong place if after giving your tithe, your only expectation is some thing would come and give you money. What you really get is anointing. God said you will get “a blessing” such that your storehouse will not be able to contain what would flow into your life. Giving is the key. Give tithes. Give offerings and give to kingdom project. When ever God asks a man of God to rise offering for special projects, some one lifting is usually attach to it. Give to special projects to attract a special anointing.

Give to men of God. The anointing you respect is the anointing you attract. People rub shoulders with men of God without tapping the grace on their lives. You draw the grace on a man of God by listening to and applying his wisdom.

Jesus said in John 6:63, the words that I speak unto you, they are spirit and they are life. “Listing to their tapes until the spirit on the tape enters into your life.

Give to the poor. If you give to the poor, your life will rise obscurity and get to the point where your darkness will be like the brightness of the noon-day. It means the maximum outside will be your own minimum.

Impartation. Someone who is carrying the power can impart it to you. Matthew 10:1 says;

“And he gave them power ...” “And Joshua the son of Nun, was full of the spirit of wisdom, because Moses had laid hands on him.” Deuteronomy 34:9.

When you have the power to get wealth, you will never be broke again. If you lose all the material things you have, your heart will not be broken because you have the anointing to reproduce all that was lost and much more. The spirit of the lord is upon you because he has anointed you to get wealth, to preach the good news to the poor. You have the power to prosper, to attract wealth. You will never broke again for the rest of your life. Money and all material things will begin to flow in your direction.

YOUR ACTION PLAN

Money is neither good nor bad. It is neither immoral nor moral. It is amoral. It takes on the character of the person who has it.

· Give thanks all the time for what you have and what you are about to get.

· Identify some thing you want or someone you desire to be like and, sow a seed for it.

· Do not leave the practical for the spectacular

· Put your ideas into practice. Sow your seed (financial or otherwise) today.

· Pay your tithe (give 10 percent of your income to God). Connect with the supernatural blessing.

· Give to the poor, friends, the church, charities and so on.

After you have achieved your financial goals and lived a long healthy life, how do you intend to invest your funds so it will continue to affect long after you have left this world?

Act now. Act fast! You will succeed.

SEE YOU AT THE TOP.

CEO Cashflow Enterprise Network Consultants È08080281719, 07037085199

CashFlow

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CASHFLOW STAFF PAY ADVICE PAYSLIP FOR NOV.DEC

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