This book answers these questions in detail.WHAT IS A BUDGET?Simply put, a budget is an itemized summary of likely income and expenses for a given period. It helps you determine whether you can grab that bite to eat or should head home for a bowl of soup.HOW IMPORTANT IS BUDGETING?Planning and monitoring your budget will help you identify wasteful expenditures, adapt quickly as your financial situation changes, and achieve your financial goals. When you actually see the breakdown of your expenses, you may be surprised by what you find; this process is essential to fully grasp how things can add up. Creating a budget will decrease your stress levels because, with a budget, there are no surprises.Unexpected car problems or medical bills? That dream vacation your best friends are planning? With a budget, you don't have to panic or wonder if you have the money—you already know. This sense of financial clarity is important not only in college but throughout life. So the question is - What kind of life, future, destiny do you intend to build? A Tower or ordinary life. This helps you to budget to determine the kind of future you want to have and your legacy I.e. what you want to leave behind.Why BUDGETING? What should you budget?There are several good reasons for preparing a financial statement and for budgeting.*Budgeting helps to guide and restrain your spending making it easier to control.*It keeps you honest and sincere. "e;A man without decision of character can never be said to belong to himself . . . . He belongs to whatever can make captive of him."e; — John Foster, Author*The reason some don't like to budget is that it reveals the real truth about their financial state or situation.*A budget is only useful if it is accurate and you keep to it by keeping track or records of your expenditure vis-a-vis your income.*The main reason for recording your income and expenditure is to determine accurately what you're earning and spending.*Budgeting is vital because, without it, it is so easy to fall into debt.*Budgeting Enables you to see where and how you can improve your financial position.

In life, there is a reason for everything we see, everything we have or don't have, everything we go through, what we are, what we are not, who we are and who we are not, where we are in life now, where we are not and where we will be tomorrow and it's the same with why we walk in lack or abundance. Here are the most common situations and leading causes of financial lack or problems:Ignorance of Biblical right to prosperity – Hosea 4:6; Some believe there is a conspiracy to keep them poor. The belief that blessing is hard to get and Many people believe a good job or what you earn is the source of creating prosperity. Your key is creativity and this book will show you how.This book will show you how and why you must not live beyond their means but apply the law of DELAYED GRATIFICATION, avoid getting into bad debt, putting your financial well-being on somebody else or depending on permanent jobs; avoid decrease in income and resources and build up budgeting and money management skills, avoid Poor money management (overspending, compulsive buying, comfort shopping, comfort eating, impulse spending, purchasing things you can't afford) etc.

MENTORSHIP IS A LAW YOU MUST OBEY NOT A SUGGESTION OR ADVICE YOU MUST DEBATE OR REJECTIn LIFE AND IN EVERY FIELD, YOU ARE EITHER CRAWLING, WALKING, RUNNING, OR FLYING. We crawl by ignorance, we walk by common sense, we run by principles but we fly by instructions.Mentorship is a law.What you learn from mentors will crown you with grace and be a chain of honor around your neck. Proverbs 24:13-14, "e;My son, eat thou honey, because it is good; and the honeycomb, which is sweet to thy taste: So shall the knowledge of wisdom be unto thy soul: when thou hast found it, then there shall be a reward, and thy expectation shall not be cut off."e;Mentorship is a fundamental law in the school of leadership, success, and achievers. Just like no sports star emerges a star without a coach, no one emerges an achiever without a credible authentic seasoned coach or mentor.This Same law is found in Isaiah 51:1-3, "e;Hearken to me, ye that follow after righteousness, ye that seek the Lord: look unto the rock whence ye are hewn, and to the hole of the pit whence ye are digged. Look unto Abraham your father, mentor and unto Sarah that bare you: for I called him alone, and blessed him, and increased him. For the Lord shall comfort Zion: he will comfort all her waste places; and he will make her wilderness like Eden, and her desert like the garden of the Lord; joy and gladness shall be found therein, thanksgiving, and the voice of melody."e;Jeremiah 15:16, "e;Thy words were found, and I did eat them; (I did not take them casually) and thy word (you spoke) was unto me the joy and rejoicing of mine heart: for I am called by thy name, O Lord God of hosts."e;You look up to someone to get to somewhere. Psalm 34:5, They looked unto Him and were lightened ......"e;Hebrews 6:12, "e;That ye be not slothful, but followers of them who through faith and patience inherit the promises."e;Only true disciples become great apostles. Only true followers become leaders.It's impossible to maximise mentorship without engaging and hearing the voice of the spirit from books. John 1:16 says, 'Of his fulness have we all received..' it's not what you read to preach but what you read to live because every leader of worth is a reader and every reader is a potential leader.

Everyone meets people we call Achievers or High Achievers, and we wonder what is so different about these people? What is it or what are some of the factors that distinguish these people from us? We all have 24 hours in a day, 7 days in a week, etc. so what on earth is it that makes these people so different to be able to achieve great feats at the rate they do.These and many more questions are what this book is designed to answer.In this book, we examine WHAT FACTORS SEPARATE OR DISTINGUISH ACHIEVERS FROM NON-ACHIEVERS.• What are the unique characters of high achievers and how do they develop them?• What habits help you become a high achiever and how do you develop them yourself?• What are high achievers "e;addicted"e; to or passionate about?• What common action do they take in life to enable them to accomplish so much?I share with you over twenty distinguishing character traits and habits that enable them to accomplish great feats, impact lives, and distinguishes them from us all. This is where your own journey starts.We can achieve a lot more by committing ourselves to maximize our potential, taking the first step, continue taking small steps daily and be prepared to go through the temporal pains that lead to success.Under-achievers believe that success is based on luck and so, leave things to drift and take no personal responsibility for their progress.AVERAGE PEOPLE BELIEVE IN LUCK; ACHIEVERS BELIEVE IN THE LAW OF CAUSE AND EFFECT.Achievers believe that success consists of little daily effort, and failure consists of little daily neglect.Many people believe they lack the ability and resources to reach their next level of success and prefer to remain within their comfort zone but we need to keep pressing in.Achievers believe that INPUT DETERMINES OUTPUT! They believe that it is not reasonable to expect maximum results with minimum effort. At the end of the day, we are the only ones that can tell whether we are putting our best into achieving our goals or not."e;Don't settle for average. Bring your best to the moment. Then, whether it fails or succeeds, at least you know you gave all you had. We need to give the best that is in us."e; (Angela Bassett)In the long run, average actions will yield average results. If we give a dream everything we have, we will get from it everything there is.REMEMBER:"e;When a man is no longer anxious to do better than well, he is done for."e; Benjamin Haydon

This book explains the fact that you and I do not have two lives; rather we have just one life here on earth and we must make sure it counts in relevance, significance, impact, influence, addition, and contributions to humanity, society, and in nations.We can't laze around all day doing anything meaningful with our lives and expect a different outcome for our lives. We must be aware that 'There is a time for everything as King Solomon stated categorically in Ecclesiastes 3. Also, it does not matter how young or how old we are, we have something to offer and to contribute to making our generation and those coming after us better than we met it. It has been said that 'To be born into a poor family is excusable but to leave it in the state you met it I.e.still poor, is inexcusable and unforgivable' considering all the knowledge we've acquired, all the information we've been exposed to, all the opportunities available to us, all the new things we've learned, etc. we can do far more because we know far more. When you know better, you do better. You and I have only one life and we must make it count. It is appointed unto man once to die but the end is judgment and accountability I.e. how we lived our lives; if we lived just for us or we committed our lives to develop ourselves to add value to ourselves in order to add value to others and to solve problems.God did not create you to be a wandering generality but a meaningful specific. It is time to: Let the earth know that you are here and to let those who come after you've finished your assignment on earth know that you were here. You must leave an indelible mark and a legacy of great achievements that benefits and will continue to benefit generations yet to come.Zig Ziglar said: "e;Don't become a wandering generality. Be a meaningful specific."e;We were not created, birthed, or born to be a wandering generality but a meaningful specific.Until we individually and collectively do what we were born for and created for, we will never feel fulfilled in life. God created you for a reason far bigger than just living, going to work, or making a living. You were born to make a difference and to make your life count. Contrary to what many believe: You were not created to make a living but to make a difference; to make an impact everywhere you go. The GoodNews is: LIKE ABRAHAM, YOU ARE NEITHER TOO OLD NOR TOO YOUNG LIKE DAVID OR UZZIAH TO SUCCEED OR FULFIL DESTINY.It's never too early or too late to succeed or fulfill destiny. You are only old if you think you are. The best way you stay young is to keep your mind young through addiction to information, revelation, wisdom, and insight and staying passionately occupied through diligence i.e. hard and smart work and adding value in your field of calling.Whether you think you can or you can't, you are right, because you are what you think and this book will help you think right to achieve the right goals.This book helps you to answer these questions:A: Why Did God Create Me?B. What was I born for?C. Why am I here?D. What am I here for?E. What legacy will I leave behind i.e. what will I be remembered for?

This book answers these questions in detail.WHAT IS A BUDGET?Simply put, a budget is an itemized summary of likely income and expenses for a given period. It helps you determine whether you can grab that bite to eat or should head home for a bowl of soup.HOW IMPORTANT IS BUDGETING?Planning and monitoring your budget will help you identify wasteful expenditures, adapt quickly as your financial situation changes, and achieve your financial goals. When you actually see the breakdown of your expenses, you may be surprised by what you find; this process is essential to fully grasp how things can add up. Creating a budget will decrease your stress levels because, with a budget, there are no surprises.Unexpected car problems or medical bills? That dream vacation your best friends are planning? With a budget, you don't have to panic or wonder if you have the money—you already know. This sense of financial clarity is important not only in college but throughout life. So the question is - What kind of life, future, destiny do you intend to build? A Tower or ordinary life. This helps you to budget to determine the kind of future you want to have and your legacy I.e. what you want to leave behind.Why BUDGETING? What should you budget?There are several good reasons for preparing a financial statement and for budgeting.*Budgeting helps to guide and restrain your spending making it easier to control.*It keeps you honest and sincere. "e;A man without decision of character can never be said to belong to himself . . . . He belongs to whatever can make captive of him."e; — John Foster, Author*The reason some don't like to budget is that it reveals the real truth about their financial state or situation.*A budget is only useful if it is accurate and you keep to it by keeping track or records of your expenditure vis-a-vis your income.*The main reason for recording your income and expenditure is to determine accurately what you're earning and spending.*Budgeting is vital because, without it, it is so easy to fall into debt.*Budgeting Enables you to see where and how you can improve your financial position.

In life, there is a reason for everything we see, everything we have or don't have, everything we go through, what we are, what we are not, who we are and who we are not, where we are in life now, where we are not and where we will be tomorrow and it's the same with why we walk in lack or abundance. Here are the most common situations and leading causes of financial lack or problems:Ignorance of Biblical right to prosperity – Hosea 4:6; Some believe there is a conspiracy to keep them poor. The belief that blessing is hard to get and Many people believe a good job or what you earn is the source of creating prosperity. Your key is creativity and this book will show you how.This book will show you how and why you must not live beyond their means but apply the law of DELAYED GRATIFICATION, avoid getting into bad debt, putting your financial well-being on somebody else or depending on permanent jobs; avoid decrease in income and resources and build up budgeting and money management skills, avoid Poor money management (overspending, compulsive buying, comfort shopping, comfort eating, impulse spending, purchasing things you can't afford) etc.

MENTORSHIP IS A LAW YOU MUST OBEY NOT A SUGGESTION OR ADVICE YOU MUST DEBATE OR REJECTIn LIFE AND IN EVERY FIELD, YOU ARE EITHER CRAWLING, WALKING, RUNNING, OR FLYING. We crawl by ignorance, we walk by common sense, we run by principles but we fly by instructions.Mentorship is a law.What you learn from mentors will crown you with grace and be a chain of honor around your neck. Proverbs 24:13-14, "e;My son, eat thou honey, because it is good; and the honeycomb, which is sweet to thy taste: So shall the knowledge of wisdom be unto thy soul: when thou hast found it, then there shall be a reward, and thy expectation shall not be cut off."e;Mentorship is a fundamental law in the school of leadership, success, and achievers. Just like no sports star emerges a star without a coach, no one emerges an achiever without a credible authentic seasoned coach or mentor.This Same law is found in Isaiah 51:1-3, "e;Hearken to me, ye that follow after righteousness, ye that seek the Lord: look unto the rock whence ye are hewn, and to the hole of the pit whence ye are digged. Look unto Abraham your father, mentor and unto Sarah that bare you: for I called him alone, and blessed him, and increased him. For the Lord shall comfort Zion: he will comfort all her waste places; and he will make her wilderness like Eden, and her desert like the garden of the Lord; joy and gladness shall be found therein, thanksgiving, and the voice of melody."e;Jeremiah 15:16, "e;Thy words were found, and I did eat them; (I did not take them casually) and thy word (you spoke) was unto me the joy and rejoicing of mine heart: for I am called by thy name, O Lord God of hosts."e;You look up to someone to get to somewhere. Psalm 34:5, They looked unto Him and were lightened ......"e;Hebrews 6:12, "e;That ye be not slothful, but followers of them who through faith and patience inherit the promises."e;Only true disciples become great apostles. Only true followers become leaders.It's impossible to maximise mentorship without engaging and hearing the voice of the spirit from books. John 1:16 says, 'Of his fulness have we all received..' it's not what you read to preach but what you read to live because every leader of worth is a reader and every reader is a potential leader.

Everyone meets people we call Achievers or High Achievers, and we wonder what is so different about these people? What is it or what are some of the factors that distinguish these people from us? We all have 24 hours in a day, 7 days in a week, etc. so what on earth is it that makes these people so different to be able to achieve great feats at the rate they do.These and many more questions are what this book is designed to answer.In this book, we examine WHAT FACTORS SEPARATE OR DISTINGUISH ACHIEVERS FROM NON-ACHIEVERS.• What are the unique characters of high achievers and how do they develop them?• What habits help you become a high achiever and how do you develop them yourself?• What are high achievers "e;addicted"e; to or passionate about?• What common action do they take in life to enable them to accomplish so much?I share with you over twenty distinguishing character traits and habits that enable them to accomplish great feats, impact lives, and distinguishes them from us all. This is where your own journey starts.We can achieve a lot more by committing ourselves to maximize our potential, taking the first step, continue taking small steps daily and be prepared to go through the temporal pains that lead to success.Under-achievers believe that success is based on luck and so, leave things to drift and take no personal responsibility for their progress.AVERAGE PEOPLE BELIEVE IN LUCK; ACHIEVERS BELIEVE IN THE LAW OF CAUSE AND EFFECT.Achievers believe that success consists of little daily effort, and failure consists of little daily neglect.Many people believe they lack the ability and resources to reach their next level of success and prefer to remain within their comfort zone but we need to keep pressing in.Achievers believe that INPUT DETERMINES OUTPUT! They believe that it is not reasonable to expect maximum results with minimum effort. At the end of the day, we are the only ones that can tell whether we are putting our best into achieving our goals or not."e;Don't settle for average. Bring your best to the moment. Then, whether it fails or succeeds, at least you know you gave all you had. We need to give the best that is in us."e; (Angela Bassett)In the long run, average actions will yield average results. If we give a dream everything we have, we will get from it everything there is.REMEMBER:"e;When a man is no longer anxious to do better than well, he is done for."e; Benjamin Haydon

This book explains the fact that you and I do not have two lives; rather we have just one life here on earth and we must make sure it counts in relevance, significance, impact, influence, addition, and contributions to humanity, society, and in nations.We can't laze around all day doing anything meaningful with our lives and expect a different outcome for our lives. We must be aware that 'There is a time for everything as King Solomon stated categorically in Ecclesiastes 3. Also, it does not matter how young or how old we are, we have something to offer and to contribute to making our generation and those coming after us better than we met it. It has been said that 'To be born into a poor family is excusable but to leave it in the state you met it I.e.still poor, is inexcusable and unforgivable' considering all the knowledge we've acquired, all the information we've been exposed to, all the opportunities available to us, all the new things we've learned, etc. we can do far more because we know far more. When you know better, you do better. You and I have only one life and we must make it count. It is appointed unto man once to die but the end is judgment and accountability I.e. how we lived our lives; if we lived just for us or we committed our lives to develop ourselves to add value to ourselves in order to add value to others and to solve problems.God did not create you to be a wandering generality but a meaningful specific. It is time to: Let the earth know that you are here and to let those who come after you've finished your assignment on earth know that you were here. You must leave an indelible mark and a legacy of great achievements that benefits and will continue to benefit generations yet to come.Zig Ziglar said: "e;Don't become a wandering generality. Be a meaningful specific."e;We were not created, birthed, or born to be a wandering generality but a meaningful specific.Until we individually and collectively do what we were born for and created for, we will never feel fulfilled in life. God created you for a reason far bigger than just living, going to work, or making a living. You were born to make a difference and to make your life count. Contrary to what many believe: You were not created to make a living but to make a difference; to make an impact everywhere you go. The GoodNews is: LIKE ABRAHAM, YOU ARE NEITHER TOO OLD NOR TOO YOUNG LIKE DAVID OR UZZIAH TO SUCCEED OR FULFIL DESTINY.It's never too early or too late to succeed or fulfill destiny. You are only old if you think you are. The best way you stay young is to keep your mind young through addiction to information, revelation, wisdom, and insight and staying passionately occupied through diligence i.e. hard and smart work and adding value in your field of calling.Whether you think you can or you can't, you are right, because you are what you think and this book will help you think right to achieve the right goals.This book helps you to answer these questions:A: Why Did God Create Me?B. What was I born for?C. Why am I here?D. What am I here for?E. What legacy will I leave behind i.e. what will I be remembered for?