The past few years have been unprecedented in the history of the world and our collective countries are not left out, hence the timeliness of this simple and yet captivating book about credit and financial literacy in your hand. More than ever before, the need for financial sustainability and availability of funds for both households and businesses, no matter how small or large cannot be over-emphasized, either as a gift, grant, palliatives, cushioning or loans. My previous works did mention tips on managing credit in passing, but not in a manner that dedicates attention and deep insights on fifty (50) major and updated advises with pictorial perspective for easy understanding of loans and application to our everyday financial activities. With the cash flow challenges confronting individuals and businesses, and the attempt by various institutions ( private and public ) all over the globe to roll out programmes, financial solutions and various credit to prospective borrowers, it is important to take a step back and understand money and credit in the simplest form, especially now that we might have first-time borrowers across different climes.

This will go a long way in promoting responsible borrowing as well as lending across different countries and categories of fund users. Guys, the time we are, maybe more aggressive due to the need to re-energize several economies and credit will play a major role in igniting financial flow, but there is need to get the right education and forestall credit repair in future. This book seeks to educate existing and prospective borrowers in the simplest form and guide providers of credit to create the appropriate solutions for the right target market as well as promote financial literacy.

Let’s get started…