My Books

My Books

Nuggets For Frugal Living

Nuggets For Frugal Living” written by Bayo Osinowo is a book to look out for. One with an aim to help its readers; find the secret of how to live a total, fulfilling life and Being frugal is possible and attainable.  “The art is not in making money, but in keeping it.”

Saving up for a rainy day, putting your money to work and multiplying it is a wise thing to do. By sowing frugality we reap liberty, a golden harvest.

Out to hit the shelves soon, it is a must read. This is truly worth anticipating. Find out why below.


An unusual matter can only be resolved in an unusual manner just as you cannot be leading your life in the same way and yet expect a different success story. This caplet is a compressed guide to financial stability for both the beginners and those already living a seeming financial stable lifestyle as it gives you reasons to reappraise your disciplinary sense in all of your income and budgeting trips, more so in the current economic reality. Frugal living is about living smarter, so that you can afford to live the life that you want to live. By sowing frugality we reap liberty, a golden harvest.

A constant flip into the nuggets could save you from terrible and avoidable financial drowns just as it can guide you towards a breakthrough in your investment and savings plan. It’s short and precise with the message we all need for a happier living and successful financial planning.


BAYO OSINOWO is a bible scholar, dedicated minister and reformer. He is the Founder/ President of Divine Impact Networks (Worldwide). He is a youth whose message has brought the reality of living a purposeful life to the hearts of many. People have been affected by his online blogs, outreaches, daily nuggets on twitter and journals. He studied Management and Computer Studies in Wisconsin International University College, Ghana and married to his best friend Doyin Osinowo.


“Reading this book has been quite refreshing and insightful. The steps to take are clear and succinct. If properly followed, success awaits at the other end. I sincerely recommend the book to everyone planning for financial freedom.” – Sir (Professor) Olugbenro Joshua Osinowo , KSM.

Consultant Cardiothoracic Surgeon,
Niger Delta University, Wilberforce Island, Bayelsa State, Nigeria.

“Simple yet invaluable nuggets based on invaluable truths. Bayo dishes very practical and a straightforward guide to financial success. This book is for everybody. I highly recommend it.”

Fola Filani
Lawyer, Lagos State, Nigeria.

“It is recommended for all positive and forward looking individuals, young and upcoming couples building homes or personal business and especially for adults with challenges in financial stability and money management. Its shortness and precise content make it an interesting and unputdownable whilst reading.”

Allan Olufade.

Leadway Assurance Co Limited, Abuja, Nigeria.

“The book encourages financial and budgetary discipline, and touches on vital lessons needed by both young and older people. While reading the book, I have picked up vital lessons on budgeting, spending wisely, investing and planning as well as the importance of saving money. I recommend this book to students, those who have just started-off in their career, and even to those who have ‘been there and done that.’ This book should inspire your journey!”

Dr Dipo Awojide
Lecturer in Strategy,
Nottingham Business School (UK).

“I couldn’t but pick a couple of Frugal  Nuggets when I first read through the manuscript of this great book. The need to apply frugality in finances cannot be overemphasized in a globally challenging world. What could inspire a young man to write about a serious and very important issue, when the mantra of his generation is ‘spend, spend more, spend, spend and spend…..’ It is pointer to the leadership traits of the Author. It is my belief that Nuggets For Frugal Living would be a useful resource material for students in secondary and post secondary schools. This is the most ideal time to cultivate a frugal culture and life style and learn financial discipline.

The Author adds another feather to his literary cap and I congratulate him for this straight-to-the-point, say-it-like-you-mean-it book of reading.”

Oluneye Oluwole
Executive Director
African Hub International
Lagos, Nigeria

Resisting The Lure Of Sin


Do you want to live a Total Life? If you are ready to live a fulfilling life, then you’re ready for resisting the lure of sin. You are called as God’s friend to walk with Him. God wants you to increase in Spiritual knowledge and understanding.

This book helps you to understand what it takes to walk with God, to increase, develop your faith, and grow in the knowledge of God, also to resist the lure of sin and the power to live a holy life in Christ. The book gives you a direction to know where you are going and prepares you for the coming of Jesus Christ.


BAYO OSINOWO is a bible teacher, dedicated minister and a reformer. He is the Founder/ President of Divine Impact Networks (worldwide), a youth whose message has brought the reality of the divine life to the hearts of many. People have been affected by his outreaches and journals.

He is a computer literate, website designer and also a song writer who loves music. He studied Management and Computer Studies in Wisconsin International University College, Ghana.


“The Light of God that lighteth the part of all men that comes to the world (John 1v5). This Spirit of truth and light, the world is not able to accept for it does not belong to it. However as children of God, we are meant to accept, embrace and delight ourselves in the Lord (Psalm 37:3-5).

We are in the world; but not of the world, this book is a classic reference to call of God for Holy living and walking with a Holy God. It is a God’s timely reminder; this is the significance and importance of this book.

I bless this work as it goes on its divine assignment in Jesus name.”

Prophet (Dr.) G. O. FAKEYE

“To define what life is, we need to be quite understanding about one truth – the kind of life in the whole universe that can be counted as life. 1 John 5:12 says: “He that hath the son hath the life; and he that hath not the son of God hath not the life”. John 3:36 also says: “He that believeth on the son hath obeyeth not the son shall not see life” these two scriptures tell us that unless we have the life of God, we do not have life.

In order to have life, many people need to read and internalize this book. A book written by a young man who loves the LORD and loves to share Him in simple but explanatory way; this book is great for seekers who may be asking to know the truth.

May the Almighty God of glory reveal Himself to you beyond this book in Jesus’ name.”

Dr. Yvonne (Bunmi) Kuyinu Jarvis

(Founder of Life Success Academy C. I. C. Uk, Co – Author of “Married to the Devil, a true life story”).

“Holy Living is a challenging life that the author of this book has enumerated. He reveals the total conviction of Holy Living as a MUST before we can see God”.

Let us thank God for the life of this young Timothy of our time.

Prophet Z. A. EMMANUEL

“This is an exciting book because it shares how God wants us to live. Though, nobody has the monopoly of sin, we can resist it, this book uniquely addresses sin as a foe to mankind.”

Latunde and Allan Olufade