By now, you must have seen everyone talking about The Smart Money Woman. We read The Smart Money Woman by Phenomenal Arese Ugwu and we could not stop taking down notes. There were so many lessons to be learnt. If you have not read the book, you can find it here: http://smartmoneyafrica.org/product/smart-money-woman/ Here are Five Things we learnt and just had to share. 1.   Review your Bank Statement(s) This is so important and it is the first step to knowing where you are, financially. Your Bank Statement is sure to tell you what the real situation is, so you can draw up a plan.       2.  Break it Down When analyzing your finances, it is key that you break it down into, Expenses and Income, and then further into, Monthly expenses, One-off expenses, Monthly Income… This is to enable you have a blueprint, so to speak.       3. Set Realistic Goals When you have goals, it is easier to hold yourself accountable. You can also set rewards for when you reach a Goal that has been set. On Reality: You cannot earn N200,000.00 a month, and spend N150,000.00 and still expect to save N1,500,000.00 at the end of the year. The more realistic your goals, the closer you are to accomplishing them.       4.  Have Money Conversations Have financial conversations!!! With your friends, partners and family. it is important that you are financially aware and encourage those around you to be also. This way, you encourage and foster a community of people in charge of their financial lives.       5.  Do not Panic! Okay, so you have been working for 6 years and you have no savings. Maybe if you get fired now, you will barely be able to feed for the next month. That is okay. The first step is realizing that there is a problem, so what are you going to do about it? Panic will not help matters, but taking steps and making active decisions to improve your lifestyle will. The Smart Money Woman is a practical, relatable guide to Financial Freedom and we feel it is a Must-Read, not just for young women, but for everyone. Also, did we mention that we were mentioned in the book as amazing Accountants to help you achieve your money goals? We’re on page 184 (Hard Copy). Have you read The Smart Money Woman? Feel free to share your thoughts and lessons learnt with us.

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“The first rule of personal finance is that it's not personal and it's not financial. It's about your ability to make ten changes and not get too depressed over it."

James Altucher

Audeo was founded from a young auditor's dream to “provide a simple yet effective solution to all SME problems and build a stronger, more economically viable Africa on the solid base of Small to Medium Scale Enterprises.

The SME Champion & Co (trading as "Audeo") is a multi-disciplinary professional services Firm that provides back – office and decision support services to Startups, Small and Medium Scale Businesses in Nigeria. Using the information obtained through Management Accounting, we are able to proffer initiatives to improve efficiency, reduce costs and wastages, create capabilities and optimize capacity to our clients.

Our vision is to become the to-go firm for back-office and decision support services to start ups and small to medium scale businesses across Africa.

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