Eliminate and avoid debt.

            If you've got credit cards, personal loans, or other such debt, you need to start a debt elimination plan. List out your debts and arrange them in order from smallest balance at the top to largest at the bottom. Then focus on the debt at the top, putting as much as you can into it, even if it’s just N 10,000-N 20,000 extra (more would be better).  When that amount is paid off, celebrate! Then take the total amount you were paying (say N 50,000 minimum payment plus the N 30,000 extra for a total of N 80,000) and add that to the minimum payment of the next largest debt. Continue this process, with your extra amount snowballing as you go along, until you pay off all your debts. This could take several years, but it’s a very rewarding process, and very necessary.