A practical, faith-grounded guide to financial progress

You Work Hard For Money.
Now Learn How To Make It, Manage It & Multiply It.

If money enters your hands but never seems to stay, Money Matters will help you understand the principles, habits and practical actions behind building a stronger financial life.

By Prof. Onafowokan O. Oluyombo

Money Matters physical book and e-book by Prof. Onafowokan O. Oluyombo
Get the E-Copy for ₦5,000Physical copy: ₦7,500 · Lagos only · Delivery not included
Get the e-copy — ₦5,000 Order physical — ₦7,500

Physical book currently available in Lagos only. Delivery fee is separate.

Money MindsetIncomeSavingInvestmentBusinessWealth CreationFinancial Discipline

Start with what feels familiar

Does Any Of This Sound Familiar?

“I earn money, but I cannot explain where it all goes.”
“Every month feels like starting from zero again.”
“One unexpected expense can completely destabilise me.”
“I want to save, but something always comes up.”
“I work hard, yet I don’t feel as though I am moving forward.”
“I know I should invest, but I am afraid of the wrong opportunity.”
“I run a business, but mix business money with personal money.”
“Financial pressure follows me to bed at night.”

If you recognise yourself in even two or three of these statements, you do not simply need more motivation. You need a better relationship with money and a practical system for what to do with it.

A necessary reframe

Sometimes The Problem Isn’t Only How Much You Make.
It’s What Happens To Money Once It Reaches You.

Increasing your income matters. But money can still disappear through unclear priorities, lifestyle comparison, emotional spending, weak saving habits, idle funds and decisions made without direction.

More money without better money habits can simply create a more expensive version of the same financial problem.

Why this book exists

Three Important Shifts

01

Stop Making Peace With Financial Lack

Challenge beliefs and habits that keep you stagnant. Your present position does not have to become your permanent financial identity.

02

Build Wealth Without Abandoning Your Values

See legitimate work, business and growth through a God-honouring framework. You do not have to sell your conscience.

03

Move From Inspiration To Action

Learn what to do differently with income, saving, spending, opportunities, investment and business.

Inspiration can make you feel better for a few hours. Instruction gives you something to do differently tomorrow morning.

Start with the e-copy — ₦5,000

Practical, not vague

This Book Doesn’t Stop At “You Should Do Better With Money.”

It gives you exercises to help you start.

Audit 01

Want vs. Need Audit

Spot unnecessary purchases and financial leakage.

Audit 02

Comparison Detox

Identify spending triggered by what others display.

Framework 03

Priority Budget

Decide what receives money before discretionary spending.

Exercise 04

Income Mapping

Map current streams and realistic new opportunities.

System 05

Three-Account System

Separate money by purpose instead of treating it all as spendable.

Challenge 06

Saving Challenge

Build consistency even when the starting amount is small.

Audit 07

Business Health Audit

See whether your business builds wealth or leaks it.

Audit 08

Five-Dimension Wealth Audit

Assess financial, material, health, relationship and spiritual wealth.

A more deliberate future

Imagine Handling Money From A Position Of Clarity Instead Of Constant Panic

Imagine knowing where your money goes, saving before “extra money” arrives, evaluating opportunities with patience, separating business and personal funds, and making decisions without trying to impress other people.

Money Matters gives you principles and exercises to help you start moving in that direction.

  • Intentional spending
  • A consistent saving habit
  • Better investment questions
  • Structured business finances
  • Healthier financial ambition
Prof. Onafowokan O. OluyomboPhD · FCA · ACTI

Experience behind the principles

This Is Not Financial Theory From Someone Who Has Never Faced Financial Struggle

Prof. Oluyombo knows what financial lack feels like from personal experience. He recounts a season when meals could be as basic as garri in the morning, boiled cassava in the afternoon, and garri again at night.

Meet Prof. Onafowokan O. Oluyombo

  • First Professor of Financial Accounting in Nigeria
  • Teaches at Pan-Atlantic University, Lagos
  • Fellow, Institute of Chartered Accountants of Nigeria
  • Over 10 years of industry experience before academia
  • Founder, Treasure Land Academy
  • Former MD, Redeemer’s University Business Consult Ltd.
  • Lead Pastor, Global Citadel of Christ
“The principles are drawn from learning, professional experience, personal financial struggle, faith and practical application.”

Clear expectations

Not A “Get Rich Quick” Book.

Not

A promise that ₦5,000 will magically make you wealthy.

Instead

Principles for how you think about, earn, manage and multiply money.

Not

A list of investments with guaranteed returns.

Instead

Principles for evaluating opportunities and avoiding financial foolishness.

Not

Motivation without application.

Instead

Audits, exercises, saving challenges and budget frameworks.

Not

Wealth at any cost.

Instead

Value, work, integrity, stewardship and faith.

Money Matters Is For You If…

  • You earn money but struggle to retain it.
  • You want a consistent saving habit.
  • You want to multiply money responsibly.
  • You are tired of financial emergencies.
  • You want better wants-versus-needs discipline.
  • You want additional income streams.
  • You run a business and need structure.
  • You want practical, Christian-grounded teaching.

It May Not Be For You If…

  • You want an overnight wealth formula.
  • You expect guaranteed investment returns.
  • You want results without discipline or patience.
  • You will not examine your spending.
  • You want inspiration but do not intend to act.

What you are really buying

Deep, Practical Teaching For ₦5,000

Understanding money, value creation, seven laws of money, financial leakage, saving, investment principles, income management, business wealth, financial stress—and exercises that turn lessons into action.

One financial habit changed permanently can be worth far more than the price of one book.

Choose your edition

Get Money Matters

Start reading digitally, or order the print edition if you are in Lagos.

Most accessible

Money Matters · Digital Edition

₦5,000

  • Digital access after fulfilment
  • Read on phone, tablet or computer
  • No delivery charge
  • Accessible outside Lagos
Get the e-copy — ₦5,000

Questions, answered

Frequently Asked Questions

Is Money Matters only for business owners?

No. It is for employees, entrepreneurs, professionals, families and anyone improving how they handle money. It also includes a dedicated business section.

Is this a “get rich quick” book?

No. It emphasises work, value, saving, discipline, investment, patience, integrity and practical action.

Is the book only about Christianity?

It is strongly faith-grounded and uses Biblical principles, alongside practical teaching on saving, income, spending, investment, business and financial discipline.

How much are the editions?

The e-copy is ₦5,000. The physical copy is ₦7,500, excluding delivery.

Where is the physical copy available?

Currently in Lagos only. Delivery is charged separately.

Can I buy the e-copy outside Lagos?

Yes, provided the configured digital payment and delivery method supports your location.

Will buying this book automatically make me wealthy?

No book can legitimately guarantee that. Money Matters provides principles, frameworks and actions; results depend on application and individual circumstances.

Your next move

Your Financial Story Will Not Change Simply Because You Wish It Would.

You can keep waiting for more income, less pressure or a “better time.” Or you can begin changing how you think about and handle money now.

Not with fantasies.Not with shortcuts.With principles. With discipline. With faith. With practical action.

The question is not whether money matters.
The question is whether you are ready to handle it differently.

Buy e-copy — ₦5,000Order physical — ₦7,500

Physical: ₦7,500 + delivery · Lagos only