BE PRODUCTIVE-Examine yourself and your surroundings, there are a lot of human needs you can meet. Meeting these needs means that you are offering solutions and thereby being productive. You earn for being productive and that means you are WORKING!
INVEST- Save at least Ten percent (10%) of what you earn and that amount should always grow with interest. If you can do more than 10% that is fine but never go below that!
BUDGET- Plan your expenses and desires according to the remaining 90% of what you earn. From your bills, to clothes to drinks, to donations to whatever you want to do, etc. just make sure you BUDGET FOR IT! Budget for what you want and if it going to take a year to accrue such a sum be disciplined and do it!
DESIRES- Our desires in life are endless so an effort to control our desires within what we earn is very crucial. I recently desired for a watch that cost GHS 500, i had to budget a 100 for the next 5 months in order to acquire it.
SEEK EXPERIENCED ADVICE-In whatever you would like to venture into, seek advice from someone already in that area of interest. Such advice comes for free. For example if you want to go into farming, seek advice from a successful farmer and not the tailor and vice versa.