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Ever heard the saying "don't live a champagne lifestyle on a beer income"? You have to take that seriously this year if you want to take your finances to the next level. 5 Money Habits To Live By in 2020 1. Apply some level of discipline: Unless you are investing in something it's always advisable to buy only what you need per time. You already have steady bills/financial obligations. Focus on increasing income rather than expenditure. Spend less, get familiar with all your (periodic) financial obligations, cancel impulsive buying, set aside an emergency fund. Just as your income, structure your expenses and put them under a heading e.g rent,  flex allowance, family, health, charity, wardrobe etc. 2. Don't get into debt: Avoid unnecessary borrowing. Remember, cost of funds in Nigeria is very high. Try to live within your means and avoid spending off budget. If it's unforeseen, beyond your emergency funds and you must borrow, weigh your options prop...

San Francisco, CA  Life is a journey, not a single journey but a series of journeys. Journey refers to the act of travelling from one place to another. In a life journey you travel from birth (one place) to death (other place). Sometimes through success, other times through failure. In some cases, through tranquility and at times through chaos but it is impossible to remain at a spot. Again, chance encounters don't happen if you're staying in one place. If you don't make move, life will move you. Traveling is good for everyone regardless your status. It makes one modest, you see what a tiny place you occupy in the world. It is relaxing and sometimes, refreshing. Premium Outlets at Livermore At times you just want some peace, to take a break from everyone and everything, to be on your own or focus only on family and loved ones. For whatever reason, balance is important. Spent 10 days in California, visiting family and friends. Seeing beautiful things ...

From my little experience with relationships, when you go digging, you will find something. Whatever you are looking for, you are likely to find. While it is okay to look out for signs if there are toxic traits, It's better to focus on the positives. Almost every relationship has growth potentials, only if you nurture it. No one is easy to date,just find someone you are willing to accept their flaws and build something with them.  There is no perfect person. These three Cs help sustain relationships:  You Compromise You Contribute You Cooperate There is really nothing like irreconcilable differences if we want to analyze it. There is either one partner being unreasonable or two people not willing to work things out. It's not in all cases that you should run at the sign of cheating. If you care to inquire further, you may just realise that it's not exactly what you think it is. Before you give up on your relationship, always TRY TO MAKE...

Claudia More than anything else, heart matters can frustrate the life out of you.  A while ago I nearly lost myself to frustrations. I felt I wasn't good enough and all my efforts kept increasing my woes, until I decided to walk away.  I took my fears and walked all the way to bliss.  There's nothing more soothing than peace of mind. I know that ups and downs are part of life.  I have come to know this, not as a cliché but from experience.  I have come a long way on both ends to take note of the 3Cs of life "chance, choice, change". They make a world of impact but only one of these lie in our hands yet we misuse that one card.

JFK 🛄 🛫 New York  Travel light through life. Keep only what you need.

Claudia The bottom edge of middle-class is a very bad spot to be.