From childhood, we begin to aspire and gather amazing ambitions for the future. As we grow older, it may become harder to achieve these many feats, but they remain possible - even more so when we have the right kind of assistance.

Here are action items to help you crush life’s challenges, smash your goals, achieve your dreams and even surpass them.

Steps to Personal Empowerment

Like a project, your aspirations require an execution strategy and most importantly your commitment. Here are some helpful tips to get you on the road to smashing your goals:

Set Realistic Goals

Your ambitions must move from dreams and wishes to become realistic goals. The only difference between a goal and a dream is that a dream is a big beautiful picture that lives in your imagination. But a goal, whether big and beautiful or not, has been written down and set in motion with hard work.

Have an Execution Plan

Your set goals should be backed up with action. To begin, carry out research and make a checklist of the required steps that lead up to your goals. Do you need to learn a new skill? Do you need to raise fund? Commit yourself to each of these steps by setting a deadline for every little project.

Be Disciplined

Stay true to your deadlines, make necessary sacrifices, and measure your progress regularly. Build your resilience by learning from your mistakes and that of others. Discipline is the fuel for your goals it determines how successful your plans will be. It is a sign of your commitment to your dreams.

Make Intelligent Money Decisions

A financial plan is necessary to drive every project to its destination. Therefore, you must have a game plan for raising monetary resources to hit your targets. Be prudent in handling your personal expenditure, especially in emergency situations. Seek out available financial solutions, like insurance plans, loans or investment programs that can assist you to achieve your goals.

Paylater, Your Financial Partner

Access to funds today is a huge challenge. Many people worry that traditional bank loans come with somewhat unfriendly procedures, while others can’t find a suitable investment partner.

Paylater is your non-conventional financial partner, the one stop for all your financial assistance.


Paylater empowers you to achieve more with its incredible credit solution that makes personal loans easily accessible. Paylater’s 24/7 platform allows you to apply for loans from ₦1,500 to up to ₦1 million, without collateral, guarantors or paperwork. Once your loan has been approved, you receive it within minutes. The entire process can be completed from anywhere, at any time, even on the go. All it takes is your Paylater App.


With Paylater’s flexible investment program, Payvest, you can grow your capital while earning up to 15.5% in interest per annum. Unlike other financial institutions, you are able to withdraw your invested funds anytime, without attracting any fees or penalties.

Funds Transfer

Easily transfer funds to any Nigerian bank account from your Paylater wallet for as low as ₦10. Transfers are completely free when you make Paylater wallet to wallet transactions.


The Paylater app integrates over 1000 billers for all your favourite services - airtime, utility bills, internet data, cable subscriptions and much more. This makes it easier for you to pay for subscriptions send cash and keep track of all your expenditure all in one place.

You no longer have excuses! Take charge of your life, feed your dreams, seize new opportunities and get much more done, without the excuse of lack of funds.

Financial freedom is at your fingertips with the free-to-download Paylater App.

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