LESSON FROM BOB G. ALLEN'S MULTIPLE STREAMS OF INCOME

1.VALUE MONEY - every single penny that comes to you must be valued. Be penny wise, pound worth. Spend more times bargaining and buy things whole sales when possible, so as to create surplus for saving.

2. CONTROL MONEY - every money that come to you must be accounted for. Make budget for all expenses. All your income is divided into ten places. Buy things such as food stuffs in bulk and in dozen, once every month.

3. SAVE MONEY - 10% for God, 10% for your saving. The remainder must be accounted for.  
Ways to save: 
Plan for what you need to do in three months ahead.
Have every day of Jan-Dec on your wall  marked and planned for.
Let birthdays, weddings, seminars, etc, be planned for.
Food stuffs must be bought monthly.
Shop with list and stick to it.
Never buy what you can use only a short time, rather rent it.
Never rent what you will use for a long time, rather buy it.
Don't buy things that adds no values to life.
Do yourself, anything that save time and money.
Do not do yourself anything that waste time and money.
Get a ''piggy bank'' or jar account  so you can pay yourself always.
Every gifts given you in cash must be invested.
Every excess cash from discounts or reduced price, excess profit, etc must be saved and invested.

4. INVEST MONEY -  you have now saved your 10% and surpluses and gifts. on daily bases, put those savings into your jar or piggy bank. On a monthly or bi-monthly bases put those saved money into your investment savings account. Then put your investment savings into real investments.
How to Invest:
Stocks, shares, bonds, mutual funds, real estate, Forex. Build business that can work without your involvement for 12 months. Be involved in causes you believe in financially and otherwise.

5. LEAVE A LEGACY - YOUR PURPOSE FOR MAKING MONEY IS TO FULFILL YOUR DESTINY. SET UP STRUCTURES, FIRMS AND SYSTEMS THAT WILL HELP YOU DO THAT.
How to Leave a Legacy :
Set up a foundation, outreach or charityi organisation or
Join or identify with one.
Teach younger people what you have learned from life
Adopt a school you can help with some form of donation or the other
Write a book
Etc.