Your Business Feeds Your Landlord, Your Supplier, Your Staff, and Your Brother. When Does It Feed You?
Two accounts. Three numbers. Ten minutes a day. The system that has your business paying YOU a salary within 30 days, run entirely from your phone.
An honest note before anything: this system organises the money your business already makes. It cannot manufacture sales that do not exist, and this page will never pretend otherwise.
Launch price. It rises to the regular price after the first wave of readers.
Yes, I Want Pay Yourself First : N4,850 / $3.99Secure payment. Instant digital delivery. 30-day money-back guarantee on store purchases.
Prefer Amazon? Get the Kindle editionBusy and Broke Are Not the Same Business
Everywhere I have reported on money, I have met the same heroic, exhausted person: open at 8, closed past 8, selling well, and somehow with nothing that is theirs at month-end. They all reached the same conclusion about themselves: I must not be working hard enough.
They were wrong. Effort was never the problem. Business money and personal money were living in one pocket, so the business ate first, the family ate second, and the owner ate never.
Then I found something that changed everything about how I saw small business: the fix is not an accountant, a laptop, or big grammar. It is plumbing. Two accounts, three numbers, ten minutes a day, and the owner finally eats first. That system is this book.
You Have Already Tried the Things That Do Not Work
None of these failed because of you. They failed because they were never built for your exact situation.
✖The ledger notebook
It died in week two, like every notebook before it. Paper systems lose to a 12-hour day.
✖The accounting app
Built for companies with invoices, not for a person counting cash between customers.
✖Saving what remains
Nothing ever remains. That is not a discipline problem, it is a sequence problem: you were last in line.
✖Working even harder
More sales, same empty month-end. Busy and profitable are two different businesses wearing the same apron.
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Prefer Amazon? Get the Kindle editionThe Numbers Behind the Problem
Everything You Were Told About Your Business Money Is Wrong
Introducing The Two-Accounts, Three-Numbers System
If you can use WhatsApp, you can run this. Every step produces something physical: a second account, four percentages on paper, one message a night.
Find the Leak
The 30-minute Leak Audit reconstructs last month in four honest columns, with a full worked example beside your blank, so you see exactly where the money went.
Set the Split
Four percentages every day's sales obey: restock, operations, a budgeted family line, and owner's pay, which moves FIRST. Starter templates by business type included.
Salary Day
A fixed date, the 28th works, when your business formally pays YOU. Even if the first one makes you laugh. Laugh and collect it.
Everything above is a system I built page by page, script by script, worksheet by worksheet. So I put all of it inside one complete guide.
Introducing Pay Yourself First
The money system for the business that feeds everyone but you
Here is exactly what is waiting for you inside:
- The One-Pocket Disease: why busy and profitable are different businesses (Part 1)
- The Leak Audit with Iya Kudi's fully worked month beside your blank (Part 1)
- Naming the leaks without shame: the family leak, the free jollof leak, the pricing leak (Part 1)
- The Split System with starter templates for retail, food, and service businesses (Part 2)
- The Daily Ten Minutes, formatted as a WhatsApp message you send yourself (Part 2)
- True-Cost Pricing: the jollof plate costed line by line, including the labour you never charge for (Part 2)
- The Family Scripts in three difficulty levels, plus the spouse conversation (Part 2)
- The weekly three numbers, the monthly close, and the Expansion Scorecard (Part 3)
You do not need an accountant. You do not need a laptop. You do not need big grammar. You need a system that was built for exactly your situation, and that is what this is.
Tonight
Open the second account and move today's owner-share into it.
Day 2 to 3
Run the Leak Audit and set your four percentages.
Daily
Ten minutes: count, split, one WhatsApp line to yourself.
The 28th
Salary Day. Your business formally pays you. Every month, without fail.
Written by Margaret Jemituwi
Margaret Jemituwi is a journalist, content strategist and DBA student whose work has been featured in Forbes, Gulf News and CoinDesk. She writes about money and the informal economy, and built this system for the hardest-working people she has ever covered: the ones whose businesses fed everyone except them.
She writes and answers messages on LinkedIn: linkedin.com/in/margaret-jemituwi
An honest note: this guide is a new release, which is exactly why the launch price exists. There are no invented reviews on this page. Every buyer is invited to send their result to margaretjemituwi@gmail.com, and real reader words will appear here as they arrive.
How the System Compares
| Pay Yourself First | Accounting apps | The notebook | |
|---|---|---|---|
| Price | N4,850 / $3.99 | Monthly subscription, forever | Cheap, and abandoned by week two |
| Built for daily-cash businesses | ✔ | ✖ | Partly |
| Handles the family-money question | ✔ | ✖ | ✖ |
| Runs from a phone in 10 minutes | ✔ | Sometimes | ✖ |
| Time to first result | Tonight | After setup and learning | Until you stop |
| 30-day guarantee | ✔ | ✖ | Not applicable |
And You Are Not Buying the Guide Alone
Every copy comes with the three most-used tools from inside the guide, delivered as separate print-ready files so they live on your wall, in your bag, or on your phone lock screen.
The Scripts Card
All three family levels word for word, the spouse conversation, and the price-increase announcement, on one printable page. The system takes the blame so you never fight anybody.
The True-Cost Pricing Sheet
The full worked jollof example plus your blank, with the line every owner skips: your own labour. Re-run it quarterly; costs never sit still.
The Expansion Scorecard
Five yes/no questions answered from your tracker, never from one good week. Tells growth from gamble, and judges any loan the same way.
The guide plus every tool, together, for N4,850 / $3.99 while the launch price lasts. Regular price N15,000 / $9.97.
Secure payment. Instant digital delivery. Tools included today.
Prefer Amazon? Get the Kindle editionStill on the fence? I completely understand. Which is why I am taking all the risk away from you.
When you get Pay Yourself First today, you have a full 30 days to go through everything, try the method, and see the results for yourself. That is 30 days of access to every page, every step, and every tool, with zero financial risk on your side.
If at any point within those 30 days you decide this is not for you, for any reason, or for no reason at all, simply send one email and you will receive a full refund. No questions. No forms to fill. No waiting. No awkward conversations. Just your money back, promptly and without fuss.
I can make this promise because this guide either delivers exactly what this page describes or it does not, and you are the judge of that. I would rather you decide with complete confidence than hesitate and stay stuck.
The only way you lose is if you do nothing.
Secure payment. Instant digital delivery. 30-day guarantee included.
This 30-day guarantee applies to purchases made through my store. Amazon purchases are covered by Amazon's own return policy.
Two Versions of the Next Twelve Months
Without the System
- Month-end arrives again with nothing that is officially yours.
- "Borrow me small" keeps ambushing an unbudgeted till.
- The bestseller keeps selling at a loss no one has ever calculated.
- You keep concluding you are not working hard enough. You are.
With the System
- Tonight, the first money that is officially, untouchably yours.
- Within three days, you can point at exactly where last month leaked.
- On the 28th, your business pays you a formal salary for the first time.
- Family giving becomes planned, peaceful, and delivered on schedule.
Your Questions, Answered
How is the product delivered?
Instantly, as a PDF download link sent to your email the moment payment is confirmed. The bonus tools arrive in the same delivery as separate print-ready files.
What device do I need?
Any phone. The guide and every worksheet were designed phone-first, and they read just as well on a laptop or tablet.
Do I need any prior experience?
None. The guide assumes you are starting exactly where you are and walks every step in plain language.
What is the refund policy?
A 30-day money-back guarantee. One email to margaretjemituwi@gmail.com within 30 days of purchase, full refund, no questions asked.
How quickly will I see results?
Tonight: the first owner-share moves into your new MY MONEY account before you sleep, even if it is N2,000. The full system is running within a week, and the first formal Salary Day lands on the 28th.
What about family who ask for money from the till?
Chapter 9 gives you the exact scripts in three difficulty levels, from the reasonable relative to the full guilt-trip, plus the calm three-point conversation for your spouse. Family support becomes a budgeted line, so you give more peacefully, not less.
Will this increase my sales?
No, and this page will not pretend it will. It organises the money your sales already produce, and the pricing chapter fixes the most common reason those sales were not profitable.
What makes this different from everything else I have tried?
It was built for daily-cash reality: no invoices, no laptop, no jargon. The whole daily system is one WhatsApp message you send to yourself.
Why N4,850 / $3.99 and Not N15,000 / $9.97
This is a launch price, and it is real. The first wave of readers gets Pay Yourself First at N4,850 / $3.99 because early readers help a new book find its people. Once that wave is in, the price returns to N15,000 / $9.97 and stays there.
You will not find a fake countdown timer on this page, and no invented number of "spots remaining." A PDF has no spots. What it has is a launch window, and when the window closes, the price changes. That is the whole truth of it.
If you are reading this while the launch price is still showing above, you are in the window.
If you close this page without acting
- ✖ Tonight's takings dissolve into the one pocket like every night before.
- ✖ Another month of 12-hour days ends with an empty month-end.
- ✖ The leak stays invisible, because nothing is measuring it.
If you get the System today
- ✔ The second account exists before you sleep tonight.
- ✔ Your four percentages are on paper, stuck where you count money.
- ✔ The 28th is circled: the first day your business pays YOU.
Your Business Fed Everybody for Years. Starting This Month, It Feeds You First.
You are not being asked to work harder. You have done enough of that for several lifetimes. You are being handed the plumbing that makes the work finally include you.
It starts tonight, with one new account and one transfer, even if the first transfer makes you laugh.
Yes, I Am Ready : Get Pay Yourself First for N4,850 / $3.99Secure checkout. Instant access. Launch pricing only while the window is open.
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