SALARY PLUS STREET SMART CEDI ROADMAP

Salary Plus: The First-Salary Edition is a 60-day plan for Ghanaians in their first five years of salaried work. It shows you how to stop running out of money by the 20th, protect your family, start investing, and build a second income without quitting your job.I wrote it because I know how it feels to have no plan. After my national service, I could not find a job. I learned affiliate marketing, made my first 15 sales, and used that income to fund my MPhil. This book gives you the system I wish I had, and you already have what I didn't: a salary.What you get9 practical chapters that follow one system, the Payday Ladder: Pay yourself first, Protect, Grow, Earn, Clear.A 60-day plan that takes about one hour a day, with a 30-minute version for busy days.A life insurance chapter that explains how to protect the people who depend on your salary.A job protection chapter so your side income never puts your job at risk.A guide to investing in Ghana: T-Bills, unit trusts, Tier 3 pension, and the Ghana Stock Exchange.A step-by-step plan to test an idea, build your first digital product, and find your first 10 buyers.A toolkit with a budget worksheet, a life cover gap worksheet, a product idea test, WhatsApp scripts, and messages to send to HR.The results you can work towardsBy Day 30:A budget built around your real salaryAn emergency fund started in a separate accountLife cover in place, with your beneficiaries namedYour first investment madeA debt plan, if you owe moneyBy Day 60:Your first product or affiliate offer launchedReal conversations with potential buyersYour first sales, or a clear idea of what to fix to get themBy Year 1:A side income that grows toward 10% to 25% of your salaryAn honest wordThis book does not promise overnight money. Results depend on your effort, your skills, and the market. The money steps show results quickly. The income steps take time, because selling is a skill you learn first. That is how it worked for me.Who it is forThis book is for you if you earn a monthly salary, you want a second income without quitting, you can give about an hour a day, and someone depends on you, or soon will.It is not for people who want to get rich quickly or leave their job tomorrow.Your salary got you started. Now make it work harder for you.