Without budgeting and planning, we cannot achieve the financial future we desire if we do not get the basics right. A personal budget is an essential tool for managing our incomes, controlling our expenses and ensuring that we have enough money left over for wealth creation. To control the future, we must plan and create the future we desire. At every point in our lives, there’re important events that life brings. For the young man in his late twenties, it is marriage, getting his own apartment and having children. For the middle-aged, it is paying for tertiary education and weddings of their children. Though we believe ‘God will provide’, we have to be sure our case is not one of ‘God has provided’ but we used the money imprudently. We must set something aside from every income we receive. It’s not the absolute amount but the percentage – so irrespective of how much we earn we must practise keeping a percentage for ourselves. It’s what we keep that we ca
Welcome to the DOB
...excelling together in faith and work!