Kindly beware of fraudulent messages being circulated. TRJ Company Limited does not approve loans by SMS and would never request payment before approving or disbursing your loan

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Becoming A Self-Made Millionaire

July 8, 2021

“It is enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.” ~ Henry Ford. I want to start by asking and answering a common question people always ask. “Does money make you rich?” The answer is […]

By TRJ

“It is enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.” ~ Henry Ford.

I want to start by asking and answering a common question people always ask. “Does money make you rich?” The answer is no. Money alone does not make you rich. We all know people who go to work every day working for money, making more money but fail to become richer. Ironically, many only grow deeper in debt with each naira they earn.

The concept of becoming a self-made millionaire cannot work by sitting in a cubicle, making other people rich. The road to becoming a self-made millionaire is filled with peril, which one can succeed by having dreams and achievable goals of their own. The journey has to begin with the right mindset, networking skills, cash management, patience, persistence, and any other good habits. Generally, people do not realize that achieving this dream involves far more than having a great idea and making it happen. Sometimes, it is not about the money, it is about the passion. In fact, much of the success will have nothing to do with money.

However, this is not to say that money does not play an important role in becoming a self-made millionaire, because it is a well-known fact in modern-day that one needs to spend money to make more money. It is essential to keep in mind that being a millionaire also comes with the responsibility of being an entrepreneur and an investor. There is a great reward when you think outside the box with a realistic end, so as to enjoy the journey as much as the destination. This benefit comes when you develop in a business you have passion for.

Nevertheless, one of the keys to success and how making your money will work for you is through heterogeneity. It can be a good idea to spread your money across different companies, industries, asset types, and markets. This is called Diversification, and it is a great way to help manage risks. You should never depend on a single income and making an investment to create a second source of resources can be beneficial to you. Investing a little here and a little there at different times means that when the market wants to get choppy, you might be able to take a hit without your whole ship sinking.

Furthermore, getting the right assistance is very important when you want to embark on this course, and this is where TRJ Company comes to your help. Buying stocks or investing is not only for the big players alone, anyone can start an investment with our company with as low as N5,000. Putting in a little money and seeing how it moves is a great way to learn about investments and start building up a portfolio. With TRJ Company, you can build your own millions of which we will walk you up through your ladder of success when you invest with us. We are all about investments here.

While not everyone makes financial mistakes, those who do can face years of difficulty trying to get their finances back under control. The more you read good books, have a clear picture, stay optimistic, embrace changes, be more innovative and proactive, educate yourself and make maximum use of your time, you will have your empire in no time.

The most important thing to always keep in mind is hard work and persistence always win in the end. This is not surprising that it was once said that “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you will do things differently.” ~ Warren Buffett. 

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Pay Yourself or Go Broke!

June 24, 2021

You’re probably like, what does that even mean?  First of all, what does it mean to pay yourself? Let’s explain what it means to pay yourself. This is a very important perspective culled from the book ‘The Richest Man in Babylon’.  A lot of times, we tend to see saving as a sort of obligation […]

By TRJ

You’re probably like, what does that even mean? 

First of all, what does it mean to pay yourself? Let’s explain what it means to pay yourself. This is a very important perspective culled from the book ‘The Richest Man in Babylon’. 

A lot of times, we tend to see saving as a sort of obligation or punishment, something that’s really hard to do, but it is not. Saving is simply paying yourself, and here’s how. When you get paid your salary for the month, you begin to pile up a list of things you are going to do with it, like pay rent, go shopping, feeding etc and before you know it, somehow by the end of the month you’re broke once again no matter how much salary you earn, how?!

Here’s how, by purchasing or doing all these things, you are inadvertently paying all these people, you’re paying your landlord with the rent, you’re paying Shoprite with grocery money, you’re paying the Suya man with that your #1000 suya you are buying every week, I see you.

But do you know why you’re broke, after paying all these people? Because you haven’t paid the most important person, YOU. When you earn that salary, before you begin to think about the endless list of people and businesses you’re going to pay with your hard earned money, why not pay yourself first. Whether it’s 10% or as much as 40%, that’s up to you, as long as you are consistently paying yourself you won’t go broke. 

Now that you know why you should save, do you know how to save?

How to Save : Practical Steps to take

  1. Make the basic savings decisions:

First, you need to make up your mind to save. Understand that this is something you are ready to commit to and decide that you’re ready.

After doing that, you need to agree on how much you are willing to save, what percentage of your salary or pocket money, how frequently you will save, will you save from unexpected cash inflow, like a birthday gift of cash, and all that.

  1. Decide on the Savings Platform:

Do you want to save in a bank account you’re not using, open a savings bank account or invest in TCL 4:24 scheme and relax while receiving your monthly returns

Choose the platform you are most comfortable with, as some people are not comfortable with online banks or savings accounts and will prefer bank accounts, so choose whichever fits your ideals.

  1. Cut down your expenses

In order to save, and not end up clearing out your savings to meet your expenses, you need to learn to live on less than you earn. So assume you only earn what is left after you save, so if you’re earning 200k and you save 20k , as far as you are concerned your salary is 180k. 

So plan your expenses according to that number. Cut down in little ways like using less data, not leaving all the lights on in your house when you go to bed to save electricity, buying #1000 suya every Friday instead of #2000, saying no to that event that you don’t really want to go to that you know will finish your money. These little spending cuts may even leave you with some change at the end of the month that can roll over into your savings.

  1. Hold yourself Accountable

It’s easy to be tempted to withdraw from your savings for that birthday party, that Asoebi, that thrift store sale. You’ll return the money later right? My darling, don’t do it, that’s how it starts. We know we’ve all been guilty of it.
So make sure you hold yourself accountable, be disciplined, don’t take from your savings unless it is an emergency or a calculated investment opportunity. Emphasis on calculated not pyramid schemes. 


Respect your savings and invest it.

In Summary, in this life, if you don’t pay yourself first by saving, you will just be going broke monthly and be wondering where all your money went. So Pay yourself, or go broke.

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STAY ALERT & PROTECT YOUR DATA!

June 3, 2021

Kindly beware of fraudulent messages being circulated online informing individuals of approved loans. TRJ Company Limited will never approve your loans through SMS or require you to pay money before your loans are approved or disbursed. We have due processes that are followed before loans are approved and our associates send all correspondence via emails […]

By TRJ

Kindly beware of fraudulent messages being circulated online informing individuals of approved loans.

TRJ Company Limited will never approve your loans through SMS or require you to pay money before your loans are approved or disbursed.

We have due processes that are followed before loans are approved and our associates send all correspondence via emails that are generated from our company domains.

We thank you all for your cooperation and request that you ignore and block all numbers that are circulating this message.

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Digital Evolution of Finance in Nigeria

June 2, 2021

THE ORIGIN OF DIGITAL FINANCIAL SERVICES  Dr. ATINA SHOFAWATI SE., M.Si. Faculty of Economics and Business at the Universitas Airlangga says that digital financial services by and large allude to the expansive advances accessible to perform financial services from a more extensive scope of suppliers to a broad class of beneficiaries. This is conceivable by […]

By TRJ

THE ORIGIN OF DIGITAL FINANCIAL SERVICES 

Dr. ATINA SHOFAWATI SE., M.Si. Faculty of Economics and Business at the Universitas Airlangga says that digital financial services by and large allude to the expansive advances accessible to perform financial services from a more extensive scope of suppliers to a broad class of beneficiaries. This is conceivable by the utilization of digital distant methods including e-cash; card installments like ATM, POS, and electronic assets move like NIP. Digital finance can prompt more noteworthy financial incorporation by growing financial services to non-monetary areas, and the development of fundamental services. It can prompt more prominent monetary steadiness and expanded financial intermediation. It can likewise help long haul beneficial outcomes on banking execution.

Financial institutions all over Nigeria are constantly developing towards digitalization. The present urge to satisfy the ever-changing need of the customer when it comes to financial services, a constant that causes most banks to be on top of every solution for customer-based problems to keep the business running and relevant.

Digital finance is financial services being delivered with mobile phones, internet, P.C’s, cards linked to a government-approved and reliable digital payment system. Digital finance is a magnitude of upgraded financial products, related software, business, and customer interactive and communications services, this is delivered by financial technology companies and providers of financial services.

Automated teller machines, Point of Sales, Internet, Mobile money, Electronic Bills pay, and mobile phones to access transaction receipts.

Nigeria launched the digital payment system and the Central Bank of Nigeria also launched the National Financial Inclusion Strategy with the vision that more than 80% of bankable adults across Nigeria have access to financial services. The digital payment system in Nigeria is aimed at assisting to unbundle the stress of some economic activities by implementing technology-driven methods. These methods are intricate to the plan for economic diversification and also prevent financial leakages in all sectors. All digital means of a transaction have a feedback mechanism to secure moveable assets, provide a secure framework for crowdfunding, and providing clear regulatory measures on crypt-currency transactions to combat electronic fraud.

FINTECH IN NIGERIA

Fintech is also known as Financial Technology is the innovative ability to use technology in planning, designing, and delivering financial services. This results in creating new business models and processes which have effects on the nation’s financial services and institutions with promises of easier, transparent, cheaper, user-friendly financial services. 

The Central Bank of Nigeria launched the Payment Service Vision in 2007 creating a spark of interest in the Fintech Industry. Before this launch Fintech firms have been operating in Nigeria but without a widespread adaptation. Until then the use of physical cash was the only valid means of transactions which cost the Central Bank of Nigeria to use limited resources to maintain and print the banknotes which is part of the cause of the devaluation of the currency.

Interswitch (2008), eTranzact (2011), and Remita (2011) were the initiation set of firms established by the Federal Government, through CBN for cost minimization that drew attention to the benefits of digital financial services. The main purpose for the pioneer fintech firms was to create an environment for commercial banks to adopt the process later in the future and this birthed internet banking, mobile apps, and unstructured supplementary service data (USSD).

Fintech can be categorized into other aspects like artificial intelligence, peer-to-peer lending, assets management, advisory services, biometrics, digital payment, and crowd computing. In Nigeria, financing, lending, and remittance of currency are at 70% of the FinTech prospect, with 30% of untapped categories like crowd computing, big data, and business solutions.

Studies have shown that the payment service of all the various service segments is the most utilized in successful Fintech firms, but only 15% of the banking revenue pool is from payment solutions and it continues to grow. This encourages more digital presence than ever for Nigerian banks as a result of implementing the Fintech Policies. These Fintech strategies are growing from credit to payment and assets management.

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5 Ways to Stick to A Budget

April 28, 2021

You have created a written budget but you see a post of a dress or bag you admire from one of your favorite vendors while scrolling through Instagram, and you buy it. You see more things you want to rock on other days too and would not be able to fight the temptation of getting […]

By TRJ

You have created a written budget but you see a post of a dress or bag you admire from one of your favorite vendors while scrolling through Instagram, and you buy it. You see more things you want to rock on other days too and would not be able to fight the temptation of getting them. It’s two weeks to salary week, you’ve spent past your budget and you’re totally broke. How do you cope without breaking your piggy bank?

To avoid this, you need to pay attention to where and how often you swipe your credit or debit card and then make the decision to stop. Making and sticking to a budget does not stop you from having fun, eating at a fancy restaurant, or going to see a movie. It’s basically about you making an action plan and staying by it.

However, to get started with sticking to your budget, here are some tips! 

  1. STICK TO A LOWER DEBIT CARD LIMIT

If you really want to trim how you spend money, you might need to reduce your transfer limit or a lower debit card limit. Once you do this, you would be able to control spending ridiculous amounts on frivolous items.

  1. TRY A SPENDING FREEZE

You can do a “no spend” challenge for a week or even a month. You would have to stay committed to not spending money on anything that is not essential for that period. It might seem hard but it is a very effective way to curb your bad spending habits. Get creative with this and make it fun by challenging your best friends or family and see who can save the most.

After a while, you can keep the money you have conserved inside your TRJ account and watch it grow.

  1. GO MINIMAL

It has been a growing trend in these recent years to identify your needs and wants and reduce the wants while you stick with the necessities. This will reduce your bad spending habits and make it easier for you to be on track. Look at cheaper substitutes of the things you spend on and cut them off. Do you need to subscribe to both Apple Music and Spotify if they serve the same purpose? Get rid of these needless bills today!

  1. STICK TO YOUR SHOPPING LIST

You might want to be adventurous while shopping for groceries or other things. If you want to stick to a budget, now is not the time to explore. Avoid spending temptations by compiling your shopping list based on an overview of what you need and STICK to it.

  1. NEVER SPEND MORE THAN WHAT YOU HAVE

If you cannot afford something you want, put it off and save for it for a while. Getting into debts can be tough because you might end up borrowing more money or struggling and depriving yourself of a lot of things to settle those debts.

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Having a Millionaire Mindset

April 14, 2021

MILLIONAIRE MINDSET Gaining financial independence goes beyond just talking, it is a mindset.  The millionaire mindset is the foundational step in changing one’s fortune. First, we need to realize that attaining a millionaire’s mindset is not just about sitting and daydreaming about how life can be if you have a million naira in the bank. […]

By TRJ

MILLIONAIRE MINDSET

Gaining financial independence goes beyond just talking, it is a mindset.  The millionaire mindset is the foundational step in changing one’s fortune. First, we need to realize that attaining a millionaire’s mindset is not just about sitting and daydreaming about how life can be if you have a million naira in the bank. This is hard work because it changes everything about how people perceive money, think, act, perform at their jobs, habits, and personal life. 

WHAT IS THE MILLIONAIRE MINDSET?

The millionaire mindset is a series of empowering beliefs and principles that can open the mind’s potential to achieving financial independence.

The main purpose of achieving the mindset is to be one of those people who are truly rich, rather than living a lifestyle of spending more money with little in the bank. In the book, The Millionaire Next Door by Thomas Stanely and Williams Danko, it explains that most wealthy people and self made millionaires do not drive new cars, live in suburban neighborhoods, or wear standard clothing and watches. This mindset is also achieved by letting go of behaviours that are unhealthy, negative and paralyzes the mind by developing discipline, creativity, focus and general well being.

DEVELOPING A MILLIONAIRES MINDSET

Focusing and working hard to become a strategic thinker usually leads to a change in perspective when it comes to dealing with life. Habits of setting goals, planning how to achieve those goals, giving yourself realistic timelines, working hard and letting creativity guide the goal are developed. 

Genuinely wealthy people develop the habit of getting rich slowly rather than a quick solution. This is rooted in the notion that when the mindset begins to permeate into every thought, pleasure is often gotten from the process rather than achieving the goal. According to research, the average self made millionaire uses 20-30 hours per month strategizing their finances in comparison to the average adult who spends 2-3 hours per month only when it involves payment of bills. This very mindset of focusing on your money, will drastically change how you deal with it. Investing more time into strategically planning one’s finances will improve decisions, help you learn from mistakes, have better results and in the end lead to financial independence.

The rules to guide in regards to money. Rule number one: DO NOT LOSE MONEY. Rule number two: if you ever feel tempted, reference rule two.

DEVELOPING HABITS OF THE WEALTHY

During the cultivation of a millionaire mindset, a vital financial habit to gain is the habit of getting solid financial advice before getting involved in any investment. The most important factor of this habit is finding a financial advisor that has already achieved financial independence by requesting for recommendations based on their financial experience.

Develop the habit of investigating before investing. The guide principle is to spend as much time investigating and researching about any investment as one spends making the money which is to be invested. Poor financial results are a product of fast financial decisions. 

Also, cultivate the habit of trusting the process and taking it slow. It is important to be informed about every detail that involves any business or investment before releasing funds. Never be pressured into any investment or financial decision. There is a saying that goes “Investments are like buses. There’s always another one coming”.

In some financial cases, the best investments are the ones that were not made. Inculcate the habit of thoroughly understanding an investment. Any investment that slightly seems complicated or has so many unanswered questions should not receive any of your hard earned money.

In your life, there will be people who will support the new mindset or drift away. This is a good thing because it is strenuous to cultivate a mindset of financial independence in an environment where investing one’s life into so many wasted efforts is encouraged. The silver lining to all this is as much as one would lose people, more beneficial minds will become attracted to your mindset. These are minds that understand hard work, strategic thinking and life are so much more than just spending money.

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My wealth and investment portfolio has rapidly grown since I started…

February 10, 2021

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By TRJ

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My wealth and investment portfolio has rapidly grown since I started…

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By TRJ

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investment

Investment plans salary earners can leverage in 2021.

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By TRJ

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Getting Loans in four guaranteed steps

February 9, 2021

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By TRJ

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