Smart money woman book, an African girl's journey to financial freedom by Arese Ugwu

Book genre: Personal development – Financial.

The book is about Zuri a young lady who is the main character and her group of friends living in Lagos, Nigeria. Covers on their lifestyle in relation to relationships and money, spending habits, earnings and the financial lessons that come with it all.

Reccomending it to:

Twenty something to thirty something year old African women who are already on a payroll or receiving an income of some sort periodically.

Young African women seeking to make changes in their financial habits – spending, saving, investing.

Anyone seeking to understand the financial behavior or lifestyle of the majority of urban millennial African women.

Why you should read it:

It has a lot of financial lessons on spending, saving, investing, budgeting, and relationships.

It is entertaining, not your typical self help book.

A good reminder of why you need to save, invest and spend wisely.

Generally expand your knowledge on money.

Smart money woman book, an African girl's journey to financial freedom by Arese Ugwu

Quotes from the book:

These are mostly from the smart money lessons highlighted at the end of each chapter.

” “budget”, is a word they come to resent. The reality is a budget is something that tells you how to allocate your resources and it should reflect what you value.”

“So we all want to be rich, right? Let’s talk a little bit about the things that we believe are stopping us from attaining wealth. Impulsive spending? Not enough money? Too many bills? Yup, those are all issues, I agree, but they are only the symptoms of the problem. The biggest issue most of us have with money is we don’t understand how it works, so no matter how much we make, we can’t seem to get to the place called financial freedom.”

“When couples are coming together money matters should be a well-considered part pre marital counseling. A discussion about the expectation of each persons’s responsibility is critical. We all come from different backgrounds and carry our own money biases and habits, and we often assume a synergy with our significant.”

“Ultimately, improving her net worth is more important than upgrading her wardrobe. This mind set helps her reason when she’s spending. Buying a designer bag becomes a reward for reaching a long-term financial goal as opposed to being one just because there is money in her account. She derives the same amount of joy from investing in assets as she does spending on her lifestyle expenses.”

“Becoming an entrepreneur means you are responsible for an enterprise and beyond the idea – a successful enterprise has to have a structure, a business model and a value proportion. Instead of over-glamorizing either end of the spectrum, lets focus on encouraging people to be value-driven. Solve problems where they are and focus on finding career paths that suit their skill-set and temperament so they can thrive.”

“In order to maximize your earning power and have the ability to invest, you need to pursue a career you are passionate about and create multiple streams of income. This does not necessarily mean you have to become an entrepreneur. The reality is, not everyone is cut out to be their own boss and you need to learn this early on. Being a boss is not about working for yourself and avoid the discipline of a nine-to-five.”

“Women have what is called ‘imposter syndrome’. We tend to rate ourselves lower than the rest of the world would rate us.”

” Your investment goal should reflect your financial obligations, what you value most, and what you want the money you make to be able to do for your life in general.”

“A car is a depreciating asset, didn’t Omo explain that to you? Once you drive it, it begins to lose value, so it makes no sense spending all your income trying to maintain a car your current salary can’t support.”

“The business or job opportunities you’ll have access to will come from your ability to harness your network and learn how to convert that network into opportunities because the more people you are able to reach and influence the more likely you are to attract new business, gain access to partnership or raise funding for your business.”

“Having an extensive network allows you to maximize your potential. There are no level playing fields, but it can be argued that in Nigeria the field is a little more uneven. A persons ability to attract wealth is tightly linked to how well they are able to grow and leverage his or her network to take advantage of opportunities”


The reading tag.

The reading tag.

Hey guys, No book of the month post for April but here is a fun reading tag I came across and decided to take part in. You can also participate, here or anywhere on the internet space  (please tag me, I’d like to see). Xx



1. Do you have a certain place for reading?
Mostly in my bed or the couch and sometimes in the car/bajaj while on traffic.

2. Bookmark or a random piece of paper?
I do both depending on what’s close. I mostly use bookmarks when I’m reading at home, I forget to carry them around.

3. Can you stop reading anytime you want or do have to stop at a certain page, chapter,part etc.?

 I like to stop at the end of chapters but if the book is boring or I’m just tired then anywhere.

4. Do you eat or drink while reading?


5. Can you read while listening to music/watching tv? 

No I can’t. I just won’t concentrate.

The reading tag

6. One book at the time of several at once? 

I have done/ do several at once but often times one at a time.

7. Reading out loud or silently in your head?
People read out loud? I thought we leave that in school.

8. Do you read ahead or skip pages?

It happens when I’m about to stop reading the book because it’s boring or I simply didn’t like it.

9. Breaking the spine or keeping it new?

Keeping it new.

10. Do you write in books?

I highlight important quotes to give emphasis to my mind and the next person who will read the book’s.

Reading tag source: R is for Read – Shirley’s Wardrobe

Book of the month: The bomb life by Claire Sulmers.

Book of the month: The bomb life by Claire Sulmers.

Book genre:

Memoir and self-help.

Recommend to:

Bloggers, and digital influencers – there is a whole chapter titled The business of blogging.

Aspiring stylists, designers, brands and everyone else in the business of fashion.

Start ups.

All 20 and 30 somethings building brands and businesses.

Why you should read it:

A good reminder of the struggles every one goes through when starting off – you are not alone.

Very relatable due to the level of honesty Claire has poured into the book.

A great source of inspiration.

A lot of business and life lessons.

What Claire says:

“Big on visualization, I had written down “I will work full time at Vogue Paris” on a post-it note on my bathroom mirror. But I had learned that sometimes you make plans and GOD laughs. Or that GOD has bigger plans for you.”

“Success doesn’t happen overnight, and you shouldn’t expect your success to happen overnight. You get the glamour after the grunt work. You have to put work in. Sometimes you make mistakes and missteps, but don’t be discouraged. keep pushing.”

“Rejection is a part of life, and many times you’ll hear no more than you’ll hear yes. But as long as you get a few yeses you’re golden.”

“Fear can paralyze you from moving. Fear paralyzed me for years as I contemplated the complexities intrinsic to up and moving to a foreign country with no savings and a $ 30,000 in debt. When I finally decided to say “fuck it” there were so many naysayers, including my parents who feared that I’d be shiftless and poverty stricken. My parents were somewhat right about the poverty part, but I learned how to live with less, stretch 60 Euros for a week, leave the party before the metro closed instead of taking a cab, politely decline dinner and make spaghetti with meat sauce at home. Being at negative was not ideal, but it wasn’t the end of the world.”

“Whatever you want in life is possible, you just have to take the steps to get it.”

“I looked up and suddenly, I was doing really well. So well that I didn’t need a job. I no longer needed validation from Vogue or  anyone else. I could work for myself. So out of necessity, I officially owned my tittle of entrepreneur and business woman. I never looked back.”

“I’m not sure if my readers knew that I was sneaking into these parties. And of course I didn’t tell them. But I knew I needed the access, caché, and exclusive content to drive readership. So I did what I had to do.”

“You have to be with a man who is not intimidated or envious of your success. You must be equally yoked. Make sure he is worthy of you and brings something to the table. Make sure he is positive and supportive and pushes you to be the best version of yourself you can be.”

“the coward in me wanted to go back to my study and snuggle into my familiar twin bed. But the fighter in me was so pissed and wouldn’t take no for as answer. I decided to pick myself up and try my hand at Gaultier.”

“That was the last Chanel show I was ever invited to. Even though I now Chanel bags, how Ironic that the only show I was invited to was when I was sleeping on a tub”

“Love will come at the perfect time – when you are ready. Don’t worry about it. The perfect man exists for you. yes you should date and have fun, but don’t become too attached to the idea of being in a romantic relationship.”

You can get this book on amazon HERE.

Book of the month: You are a badass by Jen sincero

Book of the month: You are a badass by Jen sincero

Book genre:

SELF-HELP/Personal growth

You are a badass book

Recommend to:

Anyone getting started on reading personal development books and does not know where to begin.

Those seeking motivation to get things done.

Anyone who needs to make a positive change in their lives.

Why you should read it:

Its affirmative, empowering and a good source of inspiration.

You are a badass book

What Jen says:

“The moment you have the audacity to start believing in the not yet-seen, your reality will begin to shift”

“There is a big difference between walking around saying you want to make a million dollars a year and having crystal clear intentions, fierce desire, and hell-bent action towards specific goals”

“The only failure is quitting. Everything else is just gathering information”

“Love yourself, you are a badass”

“If it wasn’t uncomfortable, everyone would be out there all in love with their fabulous lives.”

“If its something you want to do, don’t wait until you are less busy or richer or “ready” or twenty pounds lighter. start right now. You’ll never be this young again”

“The people you surround yourself with are excellent mirrors of who you are and how much , or how little, you love yourself”

“It is one of the beautiful compositions in this life that no one can sincerely try to help another without helping himself” Ralph Waldo Emerson

“No one can make you feel inferior without your consent” Eleanor Roosevelt

“Love yourself, unless you have a better idea”

Love yourself, you are a badass”

You can get this book on Amazon