The Fastest Way to Achieve Financial Freedom: A Visual Roadmap

Imagine life without financial constraints. Perhaps you’d be buying the things you want and need without hesitation or live the lifestyle you’ve always dreamed of without the fear of straining your budget. Doesn’t this inspire you to work hard and manage your finances better for a secure future?

Financial freedom and literacy are crucial elements that can help you build your wealth for a sustainable future. This is why many people take the initiative to attend personal finance classes or seminars to improve their financial wellness.

While financial freedom may be different for everyone, it may look something like being able to go on an international trip every year without draining your bank account or retiring a few years early.

If you’ve always felt a certain panic setting whenever you see your monthly bills, it’s high time that you make changes to your spending and saving. Here are some good financial habits you can start practicing to kick-start your journey to financial freedom.

  • Identify your financial goals
  • Spend less; save more
  • Track your spending
  • Hold off on big-ticket items
  • Buy experiences, not things
  • Pay off your debt
  • Find other sources of income
  • Invest in your future

The road to financial freedom is hard and full of obstacles. It’s not going to be easy, but it certainly is possible. Know that gaining complete control over your finances takes commitment, discipline, and sacrifice. Once you obtain a sense of financial freedom, you won’t have to worry about choosing between getting your car repaired or buying groceries. With the right strategies and mindset, you can reach financial success and live life comfortably in the future.

Have a look at the visual graph below for the step-by-step guide on how to achieve financial independence. Soon, financial freedom will be within your reach.

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Brought to you by Hacking Money

Edited by Temitope Adelekan


Procrastination, motivational quotes and 15 ways to overcome the habit (Infographic).


“Our goals can only be reached through a vehicle of a PLAN, in which we must fervently BELIEVE, and upon which we must vigorously ACT. There is no other route to SUCCESS” – Pablo Picasso

Beginning of every year, we tend to plan our year in advance by penning down what to be achieved. No doubt, this is the best way to start the year. I started this year with loads of goals to achieve in 2016 likewise some of us too. One habit is known to be human beings greatest challenge in achieving their individual goals and the earlier the better you tackle this, or you might have moved deeper into the year before realizing you haven’t achieve any of the goals.

This habit is called PROCRASTINATION. This is known to be a psychological behaviour that affects people to some degree or another. It is also a goal destroyer, a dream killer if not controlled or worked on, it leaves us with guilt, stress, inadequacy, self-disgust or depression. For most of us whenever there’s a goal or task that needs to be done either big or small, important or irrelevant, we answer by saying “I will attend or start later “or rather “postpone it till next day”. This is an habit that should be shun and cast out of our daily lives if we are to ever accomplish our set goals either personally or at our place of work.

Below are 12 powerful procrastination quotes to motivate you & 15 ways to help you overcome procrastination (infographic). So, wake up from your slumber, re-visit those goals or tasks and start work on them right away. Remember, if you don’t start, you wont know that you can. We all can only if we believe and courageous enough to start now. The quotes:

  • “My advice is to never do tomorrow what you can do today. Procrastination is the thief of time.” – Charles Dickens
  • “A year from now you may wish you had started today.” – Karen Lamb
  • “Don’t wait. The time will never be just right.” – Napoleon Hill
  • “You cannot escape the responsibility of tomorrow by evading it today.” – Abraham Lincoln
  • “The two rules of procrastination: 1) Do it today. 2) Tomorrow will be today tomorrow.” – Unknown
  • “What may be done at any time will be done at no time.” – Scottish Proverb
  • “The best way to get something done is to begin.” – Unknown
  • “Whatever you want to do, do it now! There are only so many tomorrows.” – Michael Landon
  • “Procrastination is like a credit card: It’s a lot of fun until you get the bill.” – Christopher Parker
  • “You don’t have to see the whole staircase, just take the first step.” – Martin Luther King
  • “The perfect time to start something never arrives, so therefore, start now.” – Unknown
  • Begin while others are procrastinating. Work while others are wishing.” – William Arthur Ward

I hope you find the quotes useful. Here are 15 ways you can overcome procrastination.


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Infographic Source: Essay.Expert

How To Develop A Business Plan For Your 2016 Entrepreneurial Goals (Infographic)


Happy New Year to YOU! Thank you for starting the New Year with me. Welcome to 2016. One of the things a lot of us will be doing in a couple of days is setting goals for the new year and some of us already have. Wait a minute and ask yourself this quick question. Are your goals for 2016 S.M.A.R.T? You can read more about how to set smart goals + Goals questionnaire here (‪ ). Goal setting is very important in all that we do and we should take it more seriously this year. Some of the benefits of goal setting are: clearer focus, optimum use of resources, effective use of time, clarity in decision-making, etc.

If part of your goals for 2016 is to test an idea out or start a new venture, out of other important things to consider, a business case is one. You can’t erect a building without having it on paper. It’s the same with business; you need to write it out. How do I write a business plan? Why do I need a business plan? What will having a business plan do for me? Here are 10 ways to develop a sound business plan (Infographic).

Business Plan

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Infographic source: Nina Zipkin

Infographic produced by: Washington State University


A goal is a desired result that a person or a system foresees, plans and promises to achieve. According to Bill Copeland, “The trouble with not having a goal is that you can spend your life running up and down the field and never score.” In order not to end up like bill have said, it is good to have a goal and at the same time set the right goal. If you don’t know where you’re heading, you’ll never get there. Therefore, it is imperative to always set or create a S.M.A.R.T goal instead of a broad goal. S.M.A.R.T goal means creating a Specific, Measurable, Achievable, Realistic and Time-bound goal. The S.M.A.R.T model is an effective process if adopted in any business or by any individual; it can help in achieving those set goals in a faster and extraordinary way. Below are the 5 S.M.A.R.T acronyms to guide you in order to attain any set goals both in your individual life and in your business.


  • Specific – Be Specific

Is it specific? A specific goal is a simplistically written and clearly defined goal. This is where you asked most of the questions in order to know what to do e.g.

Who? Who is involved?

What? What do I want to accomplish?

Where? Identify a location.

When? Establish a time frame.

Which? Identify needs and limitations.

Why? Specific reasons and benefits of accomplishing the goal.

The aim of asking the questions is to make your goal more specific. This can help you differentiate a broad goal from a specific goal. The more specific your goal is, the higher the chances of accomplishing the goal.


I want to own a Benz S600. – Broad

I will put 40% of my income in savings for the next 15 months and talk to a car dealer. – Specific


  • Measurable – Have a tangible set of principles for measuring progress in meeting your set goals.

Is it measurable? A goal without a measurable outcome is like driving a car without speedometer. Measuring your progress will help you stay on track, reach your target set dates and accomplish your goal. The best way to know if your set goal is measurable is by asking questions like:

How far?

How many?

How will I know when my goal is accomplished?

What is at the destination?

Depending on the type of goal, set a reminder either weekly or monthly that will help you measure your progress. A smartphone calendar is a good tool to use, an office board or a notepad.


I intend to loose weight by joining the gym class. – Not measurable

I intend to loose 30lbs by attending the gym class 12 times a week. – Measurable


  • Achievable

Is your goal achievable? Goals should be achievable. Centered on your present limitations e.g. schedule, workload, skills, and knowledge required to achieve your goal, do you believe you can achieve your set objectives? If its not visible, then set a different goal, one that is realistic for you in the present. Questions below can help you set an achievable goal: –

Are you ready to make the pledge to achieve your target?

Do you have what it takes to achieve your set goal?

Are you willing to at least tweak some aspects of your life?

Is there a more achievable target you are keen to work for?

 You can meet practically any goal when you plan your steps intelligently and establish a timeframe that allows you to carry out those steps. When you outline your goals you develop your self-image. This will make you to start seeing yourself worthy of your set goals, and develop the personality that allow you to possess them. Always remember that achievable goals motivate and impossible goals de- motivate.


I need to draw a proposed plan for my new building.

For this goal to be achievable, you must have a skill set (that of an architect) which allows you to understand the nature of your goal. Also, the goal must be challenging for you to remain interested in and dedicated to achieving it.


  • Realistic

Is it realistic? A realistic goal should be sensibly measured against which you are both willing and able to work on. In business, goals should be measured against business model, mission statement, market, client base, industry and even your specific position within the organisation. Ask yourself the questions below:

Am I capable of achieving this goal?

Am I prepared to work for this goal?

Is this a primary or secondary goal?

 You alone can decide just how high your goal should be. Be sure that every goal denotes a significant progress. A high goal is often easier to attain as compared to a low one because it exerts low motivational energy.


If your expertise were in Marketing, it would be unrealistic to set a goal for hiring employees within an organisation you manage. That would be more appropriate for someone in the Human Resources department to set.


  • Time-bound

Is it time-bound? Every goal needs a deadline. A deadline set to achieve a goal reminds us of the urgency and possibly the time required to spend on each steps or process of the goal. Deadline strengthens the importance of the goal in your mind. It motivates you to act on your set goals. When you don’t set a timeframe for your goals, there would be no motivation or internal force to accomplish the goal, so it gets buried in the hole. Knowing how imperative time is in achieving your goal, after you might have set the required timeframe, ask yourself the below questions:

What can I do today to achieve my goal?

What can I do 1 month from now to achieve my goal?

What can I do 3 months from now to achieve my goal?

Is it manageable?

Don’t forget to consider all of your urgencies and time limitations and please remember to set a realistic goal. If external forces (PESTLE) are making the deadline unrealistic, then look at ways to change the strategy for completion. E.g. outsourcing some tasks associated with the goal might help.


I need to create an ecommerce website for my fashion store. Not time-bound

I need to create an ecommerce website by the end of June 30th 2015 starting from today Jan 30th 2015 (5months). Time-bound

In conclusion, everyday from young to adult, we set goals daily. Might be to get the car fixed, might be to buy a new car, might be to own a startup, might be to buy a new house by the end of 2015 or might be to get enrolled in choice schools. It’s never too late. Ask yourself the below questions:

What is my goal?

What am I doing about my goal?

Is my goal S.M.A.R.T? 

Below is a sample questionnaire that can serve as a guide to help you achieve those goals in a distinct and timely way.

The S.M.A.R.T. Goal Questionnaire

Have you a GOAL? If yes, ask yourself the below questions:

Specific: What will the set goal achieve? What is the required end result? How and why will it be achieved? ————————————————————————————

Measurable: How will the set goal be measured? What are the necessary steps required to attain success? How will I know when the goal has been accomplished? ————————————————————————————————————————

Achievable: Do you have the skills needed to achieve the goal? What are the possible barriers? ——————————————————————————————————-

Realistic: Have you the resources required to accomplish the set goal? If not, what is needed and is it realistic? ———————————————————————————

Time-bound: Does the goal have a timeframe or urgency attached to it? Are there any deadline limitations? Can progress be checked? Is there a reasonable sense of urgency to reach the goal? ——————————————————————————-

Do the Math – the final written goal: – Is it simply and clearly written? Is it S.M.A.R.T.?

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