Money Habits Leaving Young People Broke in Africa (Cameroon) by Javnyuy Joybert

Having less financial stress is not by magic but discipline. Develop good money habits that can put you in control of your financial life.
Most young people have at least one bad habit, but it get worst when their bad habits affects their finances it makes success in life very challenging. Some of these Habits include

1. Not Making a Budget
As a young person always make an outline of how much you expect to make and how much you expect to spend in either one week or one month. The truth is if you don’t know what is coming in, you will definitely not know what is going out and my friend you are heading for financial downtime. Potential millionaires and successful millionaires are known for carefully planning and spending their money wisely

2. Poor Association
Young people in Africa pick up almost all habits from the friends (paddymen) they mingle around with. And when it comes to money habits this could be positive or negative. Their bad spending habits and saving habits can easily translate into you. It is vital to know how the people you associate with daily affect your spending habits

3. Lack of self control
Young people who express high self control leads to financial success. They don’t allow their friends influence to affect them or they don’t spend base on emotions.

4. Gambling
The gambling situation in Africa is horrible. I highly advice my dear young people to save the money that they use to spend gambling on sports. True wealth does not happen over night it is a process

5. High Spending on Entertainment
If you look at young people who struggle financially on Mondays, check their spending on entertainment during the weekend. It is advisable not to spend more than 10% of your monthly income on entertainment. Reduce your entertainment spending today.

6. Not Saving
Personally when i put together my monthly income, the first amount of money i set aside is my tithes, the next is my savings. Studies proof that self made millionaires developed the habit of saving 20% of their income during their early years. Save before spending not the other way round that is millions of young people in Africa spend before savings my dear friend you are doomed for poverty. Repent and start saving

7. Don’t bargain
Especially the guys when they want to please ladies during shopping they buy without bargaining to show or impress the lady, my brother you will cry tomorrow if you continue doing that. Shop for the lowest price, bargain well, compare prices before buying.

You have to put in the Hard work, the self discipline and most important put God first place to become rich 

About the Author
Javnyuy Joybert is a Social Entrepreneur, Empowerment Coach, Public Speaker and a dynamic, prolific and strategic Entrepreneurship/Business Management Trainer/consultant and a personal efficiency strategist. He is focused, question asker, answer seeker, problem solver and purposeful young African. He is the CEO of CELBMD Africa (, Head of Njorku Career Centers (, Country Director Consultant for C-Life (, COO of Most Influential Young Cameroonians Initiative and YALI RLC Fellow. He has been nominated and has worn several local and international awards. He is the author of How to Confront the Limits; he has lectured Business Management courses in two private universities in Cameroon for 5 years (2012-2016) and has been featured on numerous publications across the world

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