How to make money while in school Bible Quotes on Finances & money How to build your profile for the labour market Learning & engaging entrepreneurial skills

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THEME TEXT:
1 Samuel 2:7
The Lord maketh poor, and maketh rich: he brigeth low, and lifteth up.
THEME: YOU… LIVING A BALANCED LIFE
DATE: 11 JUNE 2016
VENUE: OLD MULTIPURPOSE HALL, FEDERAL COLLEGE OF EDUCATION
AKOKA
TOPIC I: HOW TO MAKE MONEY WHILE IN SCHOOL
1. Be diligent – hardworking and not been lazy
2. Have integrity – honesty and truthfulness pays. People do look up to who they can rely on.
3. Follow your passion – there is no better time to start practicing what you love doing. When
the external pressure is not there. Nobody is looking up to you to bring something to the
table
a. Crafts – clothing, buy & sell, writing, sculptor, customized items (clutch bags, shoes,
dresses, etc)
b. Technology – app development, system repairs, blogging, graphics design
c. Entertainment – comedy, music, standup MC
d. Others – teaching, artisanship
4. Don’t forget to INVEST and SAVE for the rainy day
TOPIC II: BIBLICAL QUOTES ON FINANCES/MONEY
1. Matthew 6:21
For where your treasure is, there will your heart be also.
2. Malachi 3:10
Bring ye all the tithes into the storehouse, that there may be meat in mine house, and
prove me now herewith, saith the Lord of hosts, if I will not open you the windows of
heaven, and pour you out a blessing, that there shall not be room enough to receive it.
3. Ecclesiastes 5:10

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He that loveth silver shall not be satisfied with silver; nor he that loveth abundance with
increase: this is also vanity.
4. Romans 13:8
Owe no man anything, but to love one another: for he that loveth another hath fulfilled
the law.
5. Psalm 37:16-17
A little that a righteous man hath is better than the riches of many wicked.
17For the arms of the wicked shall be broken: but the Lord upholdeth the righteous.
6. Proverbs 13:11
Wealth gotten by vanity shall be diminished: but he that gathereth by labour shall increase.
7. Hebrews 13:5
Let your conversation be without covetousness; and be content with such things as ye have:
for he hath said, I will never leave thee, nor forsake thee.
8. Matthew 19:21
Jesus said unto him, If thou wilt be perfect, go and sell that thou hast, and give to the
poor, and thou shalt have treasure in heaven: and come and follow me.
9. Proverbs 17:16
Wherefore is there a price in the hand of a fool to get wisdom, seeing he hath no heart to
it?
10.Matthew 6:24
No man can serve two masters: for either he will hate the one, and love the other; or else
he will hold to the one, and despise the other. Ye cannot serve God and mammon.
11.Luke 3:14
And the soldiers likewise demanded of him, saying, And what shall we do? And he said unto
them, do violence to no man, neither accuse any falsely; and be content with your wages
12.Exodus 22:25
If thou lend money to any of my people that is poor by thee, thou shalt not be to him as
an usurer, neither shalt thou lay upon him usury.
13.1 Timothy 6:10
For the love of money is the root of all evil: which while some coveted after, they have
erred from the faith, and pierced themselves through with many sorrows.
14.Deuteronomy 23:19
Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of
anything that is lent upon usury.
15.Matthew 21:12-13
And Jesus went into the temple of God, and cast out all them that sold and bought in the
temple, and overthrew the tables of the moneychangers, and the seats of them that sold
doves,
13And said unto them, It is written, My house shall be called the house of prayer; but ye
have made it a den of thieves.
16.1 Timothy 6:17-19
Charge them that are rich in this world, that they be not highminded, nor trust in uncertain
riches, but in the living God, who giveth us richly all things to enjoy;

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18That they do good, that they be rich in good works, ready to distribute, willing to
communicate;
19Laying up in store for themselves a good foundation against the time to come, that they
may lay hold on eternal life.
17.Luke 12:33
Sell that ye have, and give alms; provide yourselves bags which wax not old, a treasure in
the heavens that faileth not, where no thief approacheth, neither moth corrupteth.
18.Deuteronomy 15:7
If there be among you a poor man of one of thy brethren within any of thy gates in thy land
which the Lord thy God giveth thee, thou shalt not harden thine heart, nor shut thine hand
from thy poor brother:
19.Matthew 6:1-4
Take heed that ye do not your alms before men, to be seen of them: otherwise ye have no
reward of your Father which is in heaven.
2 Therefore when thou doest thine alms, do not sound a trumpet before thee, as the
hypocrites do in the synagogues and in the streets, that they may have glory of men. Verily
I say unto you, They have their reward.
3 But when thou doest alms, let not thy left hand know what thy right hand doeth:
4 That thine alms may be in secret: and thy Father which seeth in secret himself shall
reward thee openly.
20.Acts 8:20
But Peter said unto him, Thy money perish with thee, because thou hast thought that the
gift of God may be purchased with money.
21.Mark 12:41-44
And Jesus sat over against the treasury, and beheld how the people cast money into the
treasury: and many that were rich cast in much.
42And there came a certain poor widow, and she threw in two mites, which make a
farthing.
43And he called unto him his disciples, and saith unto them, Verily I say unto you, That
this poor widow hath cast more in, than all they which have cast into the treasury:
44 For all they did cast in of their abundance; but she of her want did cast in all that she
had, even all her living.
22.Proverbs 10:4
He becometh poor that dealeth with a slack hand: but the hand of the diligent maketh
rich.
23.Revelation 3:17
Because thou sayest, I am rich, and increased with goods, and have need of nothing; and
knowest not that thou art wretched, and miserable, and poor, and blind, and naked:
24.Luke 14:28
For which of you, intending to build a tower, sitteth not down first, and counteth the cost,
whether he have sufficient to finish it?
25.Ecclesiastes 7:12
For wisdom is a defence, and money is a defence: but the excellency of knowledge is, that
wisdom giveth life to them that have it.

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26.Luke 16:13-15
No servant can serve two masters: for either he will hate the one, and love the other; or
else he will hold to the one, and despise the other. Ye cannot serve God and mammon.
14And the Pharisees also, who were covetous, heard all these things: and they derided
him.
15And he said unto them, Ye are they which justify yourselves before men; but God
knoweth your hearts: for that which is highly esteemed among men is abomination in the
sight of God.
27.Matthew 13:22
He also that received seed among the thorns is he that heareth the word; and the care of
this world, and the deceitfulness of riches, choke the word, and he becometh unfruitful.
28.Acts 4:34
Neither was there any among them that lacked: for as many as were possessors of lands or
houses sold them, and brought the prices of the things that were sold,
29.2 Chronicles 1:11-12
And God said to Solomon, Because this was in thine heart, and thou hast not asked riches,
wealth, or honour, nor the life of thine enemies, neither yet hast asked long life; but hast
asked wisdom and knowledge for thyself, that thou mayest judge my people, over whom I
have made thee king:
12Wisdom and knowledge is granted unto thee; and I will give thee riches, and wealth, and
honour, such as none of the kings have had that have been before thee, neither shall there
any after thee have the like.
30.Deuteronomy 28:12
The Lord shall open unto thee his good treasure, the heaven to give the rain unto thy land
in his season, and to bless all the work of thine hand: and thou shalt lend unto many
nations, and thou shalt not borrow.
31.1 Peter 5:2-3
Feed the flock of God which is among you, taking the oversight thereof, not by constraint,
but willingly; not for filthy lucre, but of a ready mind;
3Neither as being lords over God's heritage, but being ensamples to the flock.
32.Matthew 13:44
Again, the kingdom of heaven is like unto treasure hid in a field; the which when a man
hath found, he hideth, and for joy thereof goeth and selleth all that he hath, and buyeth
that field.
33.1 Samuel 2:7
The Lord maketh poor, and maketh rich: he bringeth low, and lifteth up.
34.Proverbs 3:9
Honour the Lord with thy substance, and with the firstfruits of all thine increase:
35.James 5:1-6
Go to now, ye rich men, weep and howl for your miseries that shall come upon you.
2Your riches are corrupted, and your garments are motheaten.
3Your gold and silver is cankered; and the rust of them shall be a witness against you, and
shall eat your flesh as it were fire. Ye have heaped treasure together for the last days.

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4Behold, the hire of the labourers who have reaped down your fields, which is of you kept
back by fraud, crieth: and the cries of them which have reaped are entered into the ears
of the Lord of sabaoth.
5Ye have lived in pleasure on the earth, and been wanton; ye have nourished your hearts,
as in a day of slaughter.
6Ye have condemned and killed the just; and he doth not resist you.
ADDITIONAL QUOTES
On Debt
Proverbs 22:7: The rich ruleth over the poor, and the borrower is servant to the lender.
On Financial Responsibility
1 Timothy 5:8: But if any provide not for his own, and specially for those of his own house, he
hath denied the faith, and is worse than an infidel.
Luke 16:11: If therefore ye have not been faithful in the unrighteous mammon, who will commit
to your trust the true riches?
Proverbs 13:22: A good man leaveth an inheritance to his children's children: and the wealth of
the sinner is laid up for the just.
Proverbs 21:20: There is treasure to be desired and oil in the dwelling of the wise; but a foolish
man spendeth it up.
On Giving
Luke 6:38: Give, and it shall be given unto you; good measure, pressed down, and shaken
together, and running over, shall men give into your bosom. For with the same measure that ye
mete withal it shall be measured to you again.
Proverbs 3:9-10: Honour the Lord with thy substance, and with the firstfruits of all thine increase:
10So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.
Malachi 3:8-10: Will a man rob God? Yet ye have robbed me. But ye say, Wherein have we robbed
thee? In tithes and offerings.
9Ye are cursed with a curse: for ye have robbed me, even this whole nation.
10Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove
me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour
you out a blessing, that there shall not be room enough to receive it.

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Deuteronomy 16:17: Every man shall give as he is able, according to the blessing of the Lord thy
God which he hath given thee.
Luke 21:1-4: And he looked up, and saw the rich men casting their gifts into the treasury.
2And he saw also a certain poor widow casting in thither two mites.
3And he said, Of a truth I say unto you, that this poor widow hath cast in more than they all:
4 For all these have of their abundance cast in unto the offerings of God: but she of her penury
hath cast in all the living that she had.
On Greed
1 Timothy 6:10-11: For the love of money is the root of all evil: which while some coveted after,
they have erred from the faith, and pierced themselves through with many sorrows.
11But thou, O man of God, flee these things; and follow after righteousness, godliness, faith,
love, patience, meekness.
Hebrews 13:5 Let your conversation be without covetousness; and be content with such things as
ye have: for he hath said, I will never leave thee, nor forsake thee.
Luke 12:15: And he said unto them, Take heed, and beware of covetousness: for a man's life
consisteth not in the abundance of the things which he possesseth.
On God’s Provision
Philippians 4:19 But my God shall supply all your need according to his riches in glory by Christ
Jesus.
Proverbs 10:22: The blessing of the Lord, it maketh rich, and he addeth no sorrow with it.
2 Corinthians 9:8: And God is able to make all grace abound toward you; that ye, always having
all sufficiency in all things, may abound to every good work:
Jeremiah 17:7-8: Blessed is the man that trusteth in the Lord, and whose hope the Lord is.
8For he shall be as a tree planted by the waters, and that spreadeth out her roots by the river,
and shall not see when heat cometh, but her leaf shall be green; and shall not be careful in the
year of drought, neither shall cease from yielding fruit
Reference:
http://www.biblestudytools.com/topical-verses/money-bible-verses/
http://www.kcm.org/real-help/finances/apply/18-bible-verses-can-change-your-
finances

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TOPIC III: HOW TO BUILD YOUR PROFILE FOR LABOUR MARKET
Psalms 127:1
Except the LORD build the house, they labour in vain that build it: except
the LORD keep the city the watchman waketh but in vain
1. Be active in your pre-labour market days while still in your formative years – look for other
things to do that will build you up as a person. Voluntary services like working in a
committee, organizing events, amongst others
2. Get a training or certification in your line of study or dream – it gives you an added
advantage
3. Learn soft skills, computer literacy is paramount in today’s world. For starters be very
proficient in Microsoft Office (Word, Excel and PowerPoint).
4. Develop your communication skills, written and verbal. It does not start and end with your
academics. You should be able to express yourself when the opportunity arises.
5. Develop yourself to standout uniquely, there are tens of thousands of others hustling for
the same position you want
6. Do a research on the industry or companies you will like to work in. Get to know their
criteria and skill set required to work there and develop yourself in that path.
7. Get a mentor/adviser in that field, if you can.

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TOPIC IV: LEARNING AND ENGAGING ENTREPRENEUR SKILLS
Proverbs 30: 24-28
There be four things which are little upon the earth, but they are exceeding wise:
25The ants are a people not strong, yet they prepare their meat in the summer;
26The conies are but a feeble folk, yet make they their houses in the rocks;
27The locusts have no king, yet go they forth all of them by bands;
28The spider taketh hold with her hands, and is in kings' palaces.
What makes someone a successful entrepreneur? It certainly helps to have strong technology skills
or expertise in a key area, but these are not defining characteristics of entrepreneurship.
Instead, the key qualities are traits such as creativity, the ability to keep going in the face of
hardship, and the social skills needed to build great teams.
If you want to start a business, it's essential to learn the specific skills that underpin these
qualities. It's also important to develop entrepreneurial skills if you're in a job role where you're
expected to develop a business, or "take things forward" more generally.
In this topic, we'll look at the skills you need to be a successful entrepreneur, and we'll explore
resources that you can use to develop the traits needed for success.
Defining Entrepreneurship
Some experts think of entrepreneurs as people who are willing to take risks that other people are
not. Others define them as people who start and build successful businesses.
Thinking about the first of these definitions, entrepreneurship doesn't necessarily involve starting
your own business. Many people who don't work for themselves are recognized as entrepreneurs
within their organizations.
Regardless of how you define an "entrepreneur," one thing is certain: becoming a successful
entrepreneur isn't easy.
So, how does one person successfully take advantage of an opportunity, while another, equally
knowledgeable person does not? Do entrepreneurs have a different genetic makeup? Or do they
operate from a different vantage point that somehow directs their decisions for them?
Though many researchers have studied the subject, there are no definitive answers. What we do
know is that successful entrepreneurs seem to have certain traits in common.
These traits are in four categories:
1. Personal characteristics.

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2. Interpersonal skills.
3. Critical and creative thinking skills.
4. Practical skills.
1. Personal Characteristics
First, examine your personal characteristics, values, and beliefs. Do you have the mindset that's
typical of successful entrepreneurs?
Optimism: Are you an optimistic thinker? Optimism is truly an asset, and it will help get you
through the tough times that many entrepreneurs experience as they find a business model that
works for them.
Vision: Can you easily see where things can be improved? Can you quickly grasp the "big picture,"
and explain this to others? And can you create a compelling vision of the future, and then inspire
other people to engage with that vision?
Initiative: Do you have initiative, and instinctively start problem-solving or business improvement
projects?
Desire for Control: Do you enjoy being in charge and making decisions? Are you motivated to lead
others?
Drive and Persistence: Are you self-motivated and energetic? And are you prepared to work hard,
for a very long time, to realize your goals?
Risk Tolerance: Are you able to take risks, and make decisions when facts are uncertain?
Resilience: Are you resilient, so that you can pick yourself up when things don't go as planned?
And do you learn and grow from your mistakes and failures?
2. Interpersonal Skills
As a successful entrepreneur, you'll have to work closely with people – this is where it is critical
to be able to build great relationships with your team, customers, suppliers, shareholders,
investors, and more.
Some people are more gifted in this area than others, but, fortunately, you can learn and improve
these skills. The types of interpersonal skills you'll need include:
Leadership and Motivation: Can you lead and motivate others to follow you and deliver your vision?
And are you able to delegate work to others? As a successful entrepreneur, you'll have to depend
on others to get beyond a very early stage in your business – there's just too much to do all on
your own!

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Communication Skills: Are you competent with all types of communication? You need to be able
to communicate well to sell your vision of the future to investors, potential clients, team
members, and more.
Listening: Do you hear what others are telling you? Your ability to listen can make or break you
as an entrepreneur. Make sure that you're skilled at active listening and empathetic listening.
Personal Relations: Are you emotionally intelligent? The higher your EI, the easier it will be for
you to work with others. The good news is that you can improve your emotional intelligence!
Negotiation: Are you a good negotiator? Not only do you need to negotiate keen prices, you also
need to be able to resolve differences between people in a positive, mutually beneficial way.
Ethics: Do you deal with people based on respect, integrity, fairness, and truthfulness? Can you
lead ethically? You'll find it hard to build a happy, committed team if you deal with people – staff,
customers or suppliers – in a shabby way.
3. Critical and Creative Thinking Skills
As an entrepreneur, you also need to come up with fresh ideas, and make good decisions about
opportunities and potential projects.
Many people think that you're either born creative or you're not. However, creativity is a skill that
you can develop if you invest the time and effort.
Creative Thinking: Are you able to see situations from a variety of perspectives and come up with
original ideas?
Problem Solving: How good are you at coming up with sound solutions to the problems you're
facing? Tools such as Cause & Effect Analysis, the 5 Whys Technique, are just some of the problem-
solving tools that you'll need to be familiar with.
Recognizing Opportunities: Do you recognize opportunities when they present themselves? Can
you spot a trend? And are you able to create a plan to take advantage of the opportunities you
identify?
4. Practical Skills
You also need the practical skills and knowledge needed to produce goods or services effectively,
and run a company.
Goal Setting: Do you regularly set goals, create a plan to achieve them, and then carry out that
plan?
Planning and Organizing: Do you have the talents, skills, and abilities necessary to achieve your
goals? Can you coordinate people to achieve these efficiently and effectively? (Here, effective
project management skills are important, as are basic organization skills.) And do you know how

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to develop a coherent, well thought-through business plan, including developing and learning
from appropriate financial forecasts?
Decision Making: How good are you at making decisions? Do you make them based on relevant
information and by weighing the potential consequences? And are you confident in the decisions
that you make?
Core decision-making tools include Decision Tree Analysis, Grid Analysis, and Six Thinking Hats.
You need knowledge in several areas when starting or running a business. For instance:
Business knowledge: Do you have a good general knowledge of the main functional areas of a
business (sales, marketing, finance, and operations), and are you able to operate or manage
others in these areas with a reasonable degree of competence?
Entrepreneurial knowledge: Do you understand how entrepreneurs raise capital? And do you
understand the sheer amount of experimentation and hard work that may be needed to find a
business model that works for you?
Opportunity-specific knowledge: Do you understand the market you're attempting to enter, and
do you know what you need to do to bring your product or service to market?
Venture-specific knowledge: Do you know what you need to do to make this type of business
successful? And do you understand the specifics of the business that you want to start? (This is
where it's often useful to work for a short time in a similar business.)
You can also learn from others who have worked on projects similar to the ones that you're
contemplating, or find a mentor – someone else who's been there before and is willing to coach
you.
Tip 1:
As an entrepreneur, you also need to be able to navigate the rules and regulations that apply in
the country you're working in.
Tip 2:
If you choose to learn more about a particular venture by working for another organization, be
aware of non-compete clauses in your employment contract. In some jurisdictions, these clauses
can be very restrictive. You don't want to risk your future projects by violating the rights of
another entrepreneur or organization.
Armed with this information, assess your skills in each of these areas. The harder you work to
build your skills, the more successful you're likely to be.

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Having said that, many successful business-owners are impulsive, uncomfortable with risk, or
belligerent with colleagues and customers. Still others have little business knowledge, and have
simply hired the talent they need to succeed.
You can succeed without some of these skills, however, the more you're missing, the more likely
you are to fail.
As you work through your analysis, you may feel that you're ready to take the plunge into your
own venture. Alternatively, you may decide to wait and further develop your skills. You may even
decide that entrepreneurship isn't for you.
Whatever your choice, make sure that it feels right. Running a business isn't for everyone.
Key Points
There is no one "right" set of characteristics for being a successful entrepreneur, certain general
traits and practical skills will help you succeed.
By examining your own personal strengths and weaknesses and comparing these with those of the
typical entrepreneur, you can get a sense of how well this career will fit with your personality.
Remember, becoming an entrepreneur is a career decision like any other. Do your homework,
look at your needs and desires, and then decide whether this path is for you.
(Reference: https://www.mindtools.com/pages/article/newCDV_76.htm)