How to manage your money better: How thinking like a Farmer is the key to your Financial Independence


This book shows you how to develop the mindset that will enable you take the actions you need to take on a sustainable basis to achieve your financial goals for this year and beyond. It also covers personal finance basics as assets and liabilities, pay yourself first, asset allocation and more, by the author of Practical Steps to Financial Freedom and Independence.

Getting better at managing our money is a goal we all desire. Trying to achieve it without changing our mindset is a hit and miss. Learning ‘how to’ do something does not automatically give you the ability to keep doing it until you get the results you desire. If what you are doing is not sustainable, you very well may have been wasting your time. Your old mindset will sabotage your efforts no matter how well intended.

At the start of each New Year, an army of hopefuls head out on a journey towards their goals for the year. Sadly, around Valentine’s Day many have more or less ran out of steam. The spirit is willing but the flesh is weak. It happens to all of us in one area or the other at one time or the other. We want results as soon as possible, and in the process often bypass the process.

It’s not that you don’t have what it takes. We all do. The folks that achieve what we desire are not better than the rest of us. They are simply smart enough to follow the right process. Process is no respecter of persons, race, religion, gender etc. When you do the right thing, you get the right results.

Using the hunter and farmer analogy, this short booklet distills the essentials you need to shift from a hunter’s mentality to a farmer’s mentality so that you can move towards your financial goals in a sustainable way; allow your money to work for you so that you can live your life on your own terms.

If your financial goal for this year is worth it, then come with me as we explore mindsets that have been producing the financial outcomes we have been experiencing and learn from the farmer how we can build our finances in ways that endure.



“Usiere has a familiar message, that of making sure your savings take priority if you want to become financially secure. He wraps it in a tale of hunters and farmers, comparing how the farmer must plan for the future against the hunter’s immediate gratification of eating his kill.
But the book goes much further than that, recounting his personal story and giving practical examples of how to achieve this end. It is an easy read and Usiere himself suggests that you will benefit from reading it more than once. As he points out, each time you go through the exercise it changes your mindset a little until eventually you “get it” and find yourself able to practice what he preaches.
He also touches on the idea of assets and liabilities, pointing out that possessions such as houses and cars can be either, it depends how you view them and use them. I think I’ve seen this concept before in Kiyosaki’s “Rich Dad Poor Dad”, and indeed Usiere acknowledges that this book was part of his journey to realizing how to become financially secure.
For anyone who’s looking for some advice on how to manage better financially, this book has practical directions and motivational tips.” by Alan Northcott



Usiere Uko is not your regular personal finance expert. He worked for a national and international oil company as an engineer before he quit to follow his dreams. He achieved financial independence by learning from first principles and has devoted his life to teaching others to become free to be who they were born to be so that they can do what they were born to do.

He is a man on a mission – to inspire everyday folks to rise above their circumstances/excuses and live their dreams. He calls himself a dreamer who lives next door to reality, and believes everyone has a God given right to live his or her dreams.

Usiere is a personal finance coach, a Personal Finance columnist for Punch and Daily Trust Newspapers (both in Nigeria). He also writes Leadership & Lifestyle and Today’s Lifeline magazines.

Usiere is a rookie marathoner, wannabe sky diver and believes in living life without limits. He has lived in the US, UK and France in the course of his engineering career. Usiere now lives in Lagos Nigeria and is happily married with a lovely son and daughter.



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