Money Moves



From time to time, the vine-dresser has to prune the vine. Pruning the vine allows him to take away fruitless branches. He spares the fruitful ones needless competition. He gives them room to bare more fruits or much more fruits. This increases his yield and in effect deepens his pockets. Same applies to your life; you are the vine-dresser and in this case, your financial life is the vine. It needs to be constantly pruned; it deserves all the attention it can get. This will guarantee the productive growth of your finances.

This following are ways by which you can prune your vine (financial life). 


It is high time you nipped certain attitudes in the bud. You don’t have to acquire everything you fancy. You have develop the attitude of “admire and walk away.” You can’t continue to spend more than you earn either by way of income or allowance. Take some time and come up with a list of the things you constantly spend money on. Painfully cut out items you still can leave comfortably without. I know the word “comfortably” is relative; that is why income levels are not the same. So you have to do what works for you with the aim of taking out the chaff.

On another hand, distinguish between the “urgent” and “important”, and satisfy your needs accordingly. Finally, avoid buying items without planning to do so in advance.


Most people stop learning after their last paper (exams) in school. Inasmuch as academic and professional education are important, they are not enough to guarantee a fruitful financial life. Earning and sustaining/managing money are two different things. Academic and professional education will help you to acquire money but they will not help you to manage it. In this vein, you need financial education.

There are a lot of literatures out there in the form of hard copies and online publications. You need to get them, read them and apply the principles you learn. You don’t have to sit in the classroom or lecture hall to get educated. You can educate yourself. You can also attend conferences and seminars on how to manage your finances. They will contribute immensely to the productive growth of your financial life.


The only thing that is constant is change. You have to take a second look at your financial plan every now and then. It has to conform to your current situation. You can add, take away, expand or reduce the strategies in your plan. For instance, you can consider maintaining, increasing or decreasing your savings, your expenses etc. You can also consider changing or getting an additional investment portfolio because of changes in rates etc.

Periodically keeping a check on your plan will ensure that you have a workable one at any given time.


You don’t have to be desperate about this; you just have to be tactical. I have heard many say “use what you have to get what you want.” In this case, I’m talking about using your skill/talent. I am sure almost everyone has a talent or an acquired skill. This skill can fetch some amount of money to augment your salary or allowance. If you are already utilizing yours, I say more grease to your elbow. If you are not, then you are sitting on your gold mine. Aside the utilization of a skill, you can find a business opportunity and exploit it.

The importance of the principle of pruning cannot be over emphasized. You cannot build a formidable financial life if you ignore this principle.

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