Joy Phido’s Top 9 tips on how to make your own money.

I get series of enquiries every day from people who want to take on training that gives them skills to help them create a better life for themselves and their families.  Out of these series of enquiries comes one of the most frequently asked question (FAQ) “How do I make money?”  Ironically, this is a common question on everyone’s lips.  It is a question that defines life itself as we all want to know how to make money because having money is an absolute necessary part of life.

Why is making money such an important part of life and why do we need money? We need money because it makes the world go round so there should be no pretence or denying the need for us to make money.

Getting rich in business

Getting rich in business

“People go to work with the aim to make money and people set up business with the aim to make money. People take up trainings, attend schools /universities, take up courses and travel the world etc with the hope to gain knowledge and skills that help them earn good money to lead a successful life.”

Money therefore is a very important topic that affects us all in the sense of what it can do for us.  Unlike other topics of life that offer training and guide for example food, health, fashion, hair, travel, make-up, technology, engineering etc, unfortunately there is no training that prepares you on how to make money or how to spend money wisely.  There is no School of Money that teaches you how to make money, handle money, protect money, care for money etc.  Money is a secret topic that no-one talks about. It is not taught in schools or universities as all the teachers would have been rich and not need their jobs. If solution to money problems were written in books, instruction manual or information packs etc, we would all have bought these pack and become rich without having to go through the stresses of trying to discover how to make money for our very existence. Money is simply taken for granted.  You either have it, keep struggling to have it or simply don’t have it.

The truth is the blueprint of how to make money is one of the mysteries of life as it has been hidden away from all of us so we continue to search for ourselves, struggle, trial & error, make mistakes; learn from it; take another route and try something different; fail; start again; achieve by getting really rich in the process or sometimes die along the way without achieving anything.  There are simply no guarantees to whatever route you choose to make money.

My life experience with reality is that no one is going to sit you down and teach you how or give you the key to make money as money in itself is power and no one wants to share power that they can keep for themselves.

According to an internet search, statistics have it that since the 1990s in US, 40 percent of the increased wealth went into the pockets of the rich minority, while only 1 percent went to the poor majority.  From 1977 to 1999, the after-tax income of the richest 20 percent of American families increased by 43 percent, while that of the poorest 20 percent decreased 9 percent, allowing for inflation. The actual income of those living on the lowest salaries was even less than 30 years ago and this story carries on.

If you do not know how to create wealth, the chances of you being able to run away from poverty are unlikely to be the case.  If you were not born into wealth, to create wealth like every skill of life, requires training, information and guide.

This is why when I set up my business in 2004, I made it my mission to help people not only gain a skill but know how to use it to help them make money.  It is this mission that has brought me a variety of people who continuously ask me this question over and over.  “When I finish your training, can you guarantee that I will make lots of money?”

To answer this question, I will take you into some of my personal experiences with money.

For various reasons, I have also been very curious in finding out how to make money for as long as I can remember – I was very aware that I was born into a poor home at an early age; I come from a poor community; I married poor and I have not been able to

African children

African children

accumulate wealth in my continuous search for it yet.  As a teenager, I had read a lot of intriguing books that gave me hope on how to achieve success in life despite my personal circumstance – such as – A woman of Substance – by Barbra Taylor Bradford; Kane & Abel – by Jeffrey Archer; Power of Positive Thinking – by Norman Vincent Peale etc etc and so I continue to hope and explore.

My immediate story to this article comes from my circumstance in 2002 when I became very desperate to make money to better my situation. 

I had just been made redundant from the company I worked for – MCI Worldcom (a US telecoms company in the City of London) and I had also just discovered that I was pregnant with my 3rd child.  These two simultaneous events made me realise I was in serious financial trouble.  The reason this became very clear is because I live in Western world where you are encouraged to buy everything on credit especially when you have a well-paying job.  With MCI Worldcom, I had a good job so I had also become a victim of the normal process which I prefer to call Western credit disease – I had a mortgage on a big house, furniture on credit, kitchen, conservatory, all the trimmings and accessories that make life comfortable in addition to the usual bills that follow – electricity, gas, telephone, petrol in the car, holidays etc etc.  I had 2 young children who had needs and was now on my third child.  All would have been okay until now that my big salary has stopped as I had lost the job.  I was in trouble waiting to face all the creditors and my fate.

This is the reality of Western civilisation – The capitalistic credit system where we are made to go through life on borrowed line – credit

credit cards

credit cards

cards – mortgage, insurance, store cards, multiple credit cards, car loans, student loans, equipment loan, hire purchase etc.  If you are on a high income, Banks, credit card companies, store cards etc all give you a large credit line, and if you are on a low income, you are given a low credit line.  You practically live a lie by buying everything on credit and pay back in little sums.  Your whole being and existence is placed at someone else’s mercy as the minute something drastic happens such as a change in your personal circumstance – your source of income disappears through redundancy, unemployment, job loss or you fall ill and stop working etc, everything you once knew disappears. Then you encounter the evils and devils of the system that will turn your regular happy life into a living hell.  Like sharks waiting for its prey, all the lenders and creditors will start appearing for their pound of flesh and your very existence as is known with free spirit then disappears.   We all live on a money time bomb as a cut on your source of income automatically blows you off the surface of the real world as we know it.

I was no exception as I knew the creditors will stop at nothing until they get everything I had acquired with their money and I was made destitute both physically and mentally – the house, car, clothes, gadgets and equipment etc etc.  There was no hiding place as this is the fate of the Western world debt disease. I was sent nasty letters, threatened with bailiffs and heart wrenching phone calls etc that breaks even the strongest of spirits and in the end, I was expected to become a shadow of the person I used to be.  It is a nasty experience to undergo.

My situation was bad and desperate and I needed to have a job but being pregnant and with 2 young children, it was difficult to find a job that will pay enough to cover child care which is another unimaginable expense in the West.  Childcare is more expensive than paying a mortgage for a big house. Before taking on a job, you have to consider who will look after your children and how much you will have to pay to get that service. I knew the job I wanted was near to impossible so I needed to help myself to create a job that would give me money and flexibility to be at home with my children – ability to work from home.

This was when my story started becoming more interesting.

In continuation with the messed up capitalist system, I made one of my first major investment mistakes.  I was desperate and went on the internet to look for businesses that could let me work from home.  I found one with a pyramid company – Herbal Life.  To cut a long story short, I invested all my redundancy money with the hope to make money for my family. To add insult to injury, I again got sucked in with the well-designed fancy marketing gimmick machine which entices, attracts, and invites the ordinary, innocent, gullible, person to fall into their trap. I ended up losing every money I invested in addition to additional money from my credit cards.  I was stuck with products worth thousands of ££££ that no one wanted to buy.

Now my financial woes had no end as I was in bigger trouble than when I started – I had no money, no job, lost all my savings and redundancy pay, huge mortgage to pay, loads of other unending bills and 3 young children to feed.

Then things changed slowly.  I love reading as reading helps me go into a world where I have control over my thoughts. I had read a book while with Herbal Life – “Think and Grow Rich” by Napoleon Hill.  This book guided and urged me to look into myself, my passion and hobbies and that I could turn them into my business. It went on to advise that as these hobbies are my passion, I will work with them without pressure and they will not feel like I was working.

I have always loved and worked with hair all my life but had not thought of using it as a business.  This was when I knew I had to make changes and be serious with my life as I had no other option or choice to take in my situation.  I needed to make desperate decisions to protect my children’s future.

I took my children’s savings and took up professional training in hair. I travelled the world in order to understand hair better, to be the best,   gain up to date knowledge with the current trends in the industry and offer the best service to my clients.  On completion, I set up my own business and this was how I was able to make my own money and changed my life.

“Fighting poverty and debt for me is a personal war as I know my experience is the same with most people in the Western world. This is why I make it my business to answer questions from my students about “how to make money”.  It is a personal choice to help my students who are mostly women and mothers who are in the situation I was in to aim to achieve prosperity with hair business so as to make money for their children and loved ones.”

My experience, understanding and dealings of debt are not to run away from it as this is the intention of the “powers that create debt”.  The ultimate aim of debt is to break you so you lose out on your right to exist.  Once your mind has been engaged with debt, you become fearful and scared, you shrivel, shrink, lose control of who you are and eventually your spirit disappears and you become a shadow of who you are.

The system that create debt is not built to help you recover as you are further enticed to take up more loans to pay for existing debt and the cycle never stops.  Fighting with debt is a terrible burden as it sucks into your very existence and kills your spirit and soul leaving you to deal with low self-esteem, insecurity, depression, lack of confidence, bankruptcy, schizophrenia, mental disorder, madness etc and finally you either get locked up in a mental institution or you die wretched.

Creditors do not give you advice on how to make money because you are a money making machine to them – the fees, the penalties, interest etc.  This is why the banks declare billions every year and the source of their money is mostly from ordinary people. The strain and pressure from debt jeopardizes everything you care most about – your relationship, your marriage, your health, your sanity, your freedom, your life etc.  Debt is a disease just like cancer – it spreads, imprisons and numbs the mind stopping you from any ability to think freely, recreate and be your own person.  Debt simply puts you in a mental prison as it turns you into a vulnerable wreck which is afraid of even your own shadows.

My dreams and hope for every woman is to stay away from debt and where you have been sucked in through ignorance or lack of choice, learn to break free from this trap and prison and stay strong and true to who you are as this is the only way to get out of debt.

From my experience above, I learnt that training to gain control of my natural skills and abilities gave me back my freedom and free

Training in natural hair designs

Training in natural hair designs

passage to create my own job and money. Never stop believing in who you are and seek help from close family and friends to take up a training that puts skills into your hands.  With skills, you gain back control of who you are and this becomes your ticket to debt free life. Avoid spending any money until you have earned it as this takes away the extra pressure of adding on more debt.

According to an internet research on poverty; “A great number of Americans suffer from poverty and hunger. According to the statistics of the US government, over 32 million citizens, or 12.7 percent of the total population of the country, live under the poverty line. The incidence of poverty is higher than in the 1970s, and higher than in most other industrialized countries.”

Western world may be civilised and lands of opportunities, but it is also a land full of doom and gloom; it is also a land where dreams die young and are killed prematurely. It is a land where greed and injustice is hidden in the jargon and glorified name of the law.

My story and journey from above carried on with my husband also losing his job, was made bankrupt, we lost the big house and we had to start our lives afresh. I refused to give in, believed in myself, carried on with my dreams, vision and hope for everyone and today live to tell the story where the future is very bright.  If I could fight debt and live to tell the story, I believe everyone else can.




This is why here at World of Braiding & Extensions, we make it our business to empower you with skills that help you create your own job where you can start by working from home; looking after your children and putting your money in your purse. As a mother, my experience of struggling with job loss and redundancy is the reasons I chose to teach women in particular to gain back control to their own lives as every woman deserves the right to have money to spend on her children and loved ones. Going by my experience, I do not wish the pain I went through on another woman and this is why I am happy to share my Top 7 Tips on How you can Make your own Money. 


What it Money?

spending money

spending money

To get us started, we need to understand what the definition of MONEY is? According to Merriam Webster dictionary – money serves as a medium of exchange universally accepted in return for goods and services.  Money acts as a measure of value etc etc.

My personal understanding is – Money is a medium exchanged while sharing a service, product or knowledge. Money is created from the energy we invest in the right place and at the right time.


  • We need money to provide us with the basic necessities that we need in life.
  • Money buys you the things you desire in life.
  • We need money to create a better life for ourselves – training, education, information, knowledge etc
  • We need money to travel and see the world and understand how other societies operate so we can compare and learn from them.
  • We need money to live in a descent home, feed ourselves with quality meals, take care of our health, have clothes on our back etc.
  • We need money to be able to help other people who are less privileged in life.  Without money our life is bleak especially if you live in the Western societies where there are bills for everything as you  cannot pay your bills so you are frozen during winter, cannot move from one place to the other, end up in a poor home, poor neighbourhood etc etc.




Go back into yourself to re-discover your natural talents, skills, hobbies and passions.  What are those things you love to do that makes you feel your best or feel good inside about yourself.  What are those skills that you share with your family and friends that they love to get from you and yet you think is of no value to anyone. Your passion is that hobby that you are most likely to do without making any complaints at all whenever you are asked to do it. This is the hobby that we are going to turn into a business and because you are passionate about it, you do not notice when you are doing it and this is what will help you become successful when you turn it into a business.


While deciding on the hobby or natural talent that you have, make sure it is something that people will be happy to take from you for a fee.  Would you be happy to buy from you?  Remember it should not be a hobby that no one will love to share with you. Example includes: maybe you love to bake cake; you love to wear make-up; you love to sing; you are good at organising events and parties; you love to see people co-ordinate their clothes; you love to cook; you love to see people wear beautiful and healthy hair etc. It should also not be a skill that will take forever to perfect but a skill that you can pick up easily.


Find out everything there is to know about your chosen hobby or natural talent that we are going to turn into a skill.  Is it something that people really desire?  Is there a lack of it in your community? What are the competition of your hobby in your community?


You have found out a lot of things from your research.  Do something about it.  Information is the key to knowledge.  Take up training and education to get yourself ready and to be good in what you want.  “It is easy when you know how”. If you don’t train, you will never know how it is done properly and professionally. You will find that you will end up  struggling for years to find a solution to a problem that could have taken a day or a few weeks because you refused to take up training. Remember the money you put into training yourself comes back to you as you become the best in your field and everyone respects your opinion and comes to you for your service.  Money invested in training yourself is one of the best investment you can make in yourself.  Your investment helps to expand your knowledge and buy you a better future. It gives you lots of edge over people who refuse to take up training.

Other ways of getting information is to read, read, read.  Read up on other people’s experiences, successes, failures etc.  There are books on every experience in life.  Develop a habit of reading to prepare your mind for success.  While food nourishes the body, books nourish the mind with ideas.  Ideas are what we want in order to grow.  Ideas are what differentiate us from animals.  Ideas are what keep us thinking and we are what we think.  Give your mind the wrong idea and you turn out with wrong reality.


Whenever you finish your training, remember if you do not take your new experience into action, you will likely lose it and it will become a waste of money.  Practice the skills, knowledge and information you have gained from your training. Apply it constantly. Repeat it over and over again.  It will feel awkward at first.  This is normal.  Remember every expert was once a beginner.  You have to practice your skill to perfect it.  During your practice stage, offer free service sometimes, offer discounts, be willing to share your knowledge freely etc and this will bring you lots of clients who will believe in you.  Experience cannot be bought so you have to put your hands into practising your skill.  As you are perfecting your skill, make sure you keep portfolio of your work as this is what your clients want to see to believe you.


Selling or sharing your skill will come to you as a natural process. Remember you invested money into the training and so you have to recover your money back.  This is the stage that you then start making money.  The more you sell your skill, the more money you make.  How do you want to sell your skill; who do you want to have as your clients; how often do you want to sell your product or service etc etc.  Remember to be noticed by potential clients; you have to market your skill or product. The more people are aware of your skill, the more they will want your skill and the more money you will make.


Now that you know what you are doing, there will be distractions from every source you can imagine.  Stay focused and strong – mental and physically. Watch what goes into your body as food or information.  In order for us to achieve our dreams, we have to be physically and mentally healthy.  We are responsible for what goes into our body and mind.  Take absolute control of what you expose yourself to.  In order for our life to progress forward, we have to be in good physical and mental health and we cannot be in good health if we are not watching our food intake, exercise, relaxation etc.  Only a healthy body, mind and soul can think, plan and act to achieve success.


This is what they call research and development. (R&D).  This is where most people stop being relevant in business.  Do not stop learning, asking questions, researching, looking at your competition to see what new things they are adding to their businesses etc. Customers like to work with people who are up to date and not people who stay stuck in time.  Be consistently up to date and deliver latest trends to your clients. This will help draw more clients to you but remember you need to constantly seek knowledge to be ahead of people around you. PLAN YOUR LIFE instead of LEAVING IT TO CHANCE and this can be done by keeping track of what you are doing and what you plan on achieving.


Reading has helped me develop my mind continuously.  There is a saying that you start life education the day you stop going to school.  School or university does not teach you real life.  Real life you learn through experience but one of the best ways to learn is through reading about people you admire and how they achieved success. I admire Madam C J Walker and her achievement and made it my business to read about her. Other idols of mine are Anita Roddick of Bodyshop, Oprah Winfrey and a few others.  I have books on these people and constantly listen to Personal Development CDs which help me keep my mind on track.  An idle mind is the devils workshop so keep your mind on a positive track by feeding it with positive information.  This will help you discover your true mission in life and how you can help change other people’s lives for the better.  Remember making money without fulfilling a personal satisfaction with your soul leads to nothing.  Make sure the type of money you learn to make is one that you can look back on and be proud of your efforts.  Let it be one that you can pass on to your children and such that you can tell the world your source for that income.

Help make life exciting and a good experience for the next person you meet.  Make your natural gifting edify others you meet in your life and you will discover you would have achieved your life’s purpose.

My personal purpose is to share my knowledge, skill and experience with you in order for you to avoid making mistakes and to bring you success.  What are your dreams for 2013?  Would it be a year of you achieving your heart’s desires?  Would it be a year you come out of debt & poverty to take care of your life?

Is there any business ideas you will like us to help you with advise? We are always happy to help. Remember; Do not spend money unless you have earned the money. That way you will be free of debt eventually.

If you need us on any topic or will like to share your experiences with us, please email us or call us for a chat.

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Telephone: 01702 339 858  Mobile: 07946 439 057

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Joy Phido has a BSc in Business Management.  A qualified Hairdresser /Cosmetologist specialised in natural hair & extensions consultation and designs; a State Registered Hairdresser (SRH) with the UK Hairdressing Council; has over 10 years Natural Hair & Extensions education; a qualified teacher; a qualified NLP Practitioner; an established Independent Business Start-up consultant and mentor; and has varied career experiences that spans over 20 years in Banking, Telecomms, Fashion, Make-up, Weight management etc etc.







From the CEO and Team here at World of Braiding & Extensions Ltd.

Joy Phido – (CEO) World of Braiding & Extensions Ltd

Zina  – (Director – IT, Branding, Social Media & Resident Model)

Efe  – (Director – Creative Designs, Communications & Resident Model)

Mega  – (Director – Style Research /Image Development and Resident Model)

Garen – (Style Adviser & Resident Model)

Charles Phido – (Director – Marketing, Administration, Creative Media & Public Relations)

We send our sincere gratitude to all our friends, clients, external models, viewers and subscribers who believed in us, supported us and contributed to make this happen.

8 years ago when we started this natural hair journey and movement, we were told that it will not work as no one believed in wearing natural hair any more.  We did not listen to the negative comments and pressed on with our search for solutions to natural hair problems.  The road was difficult to travel on. It was full of hurdles, challenges, stress, pains etc etc.

Today we are happy to see that our contribution is helping so many lives across the globe.

We are excited that we have pioneered Professional Training in Natural Hair & Extensions industry.  We are proud that in our little way, we have helped to create jobs and businesses to so many who would have found it difficult to get the job or business they wanted.


This is to say we appreciate you and will continue to do our best to support and guide you in whatever way we can.  Feel free to contact us on our details below.


World of Braiding & Extensions – is pioneering Professional Education & Care of the Natural Hair & Extensions Industry.

World No. 1 Professional Natural Hair & Extensions Academy.,

Tel: +44 1702 339 858, 07946 439 057,




This is a topic I have always found interesting.  Too many incidents have brought me to question this issue.

Vietnamese student in training

Vietnamese student in training

Last week, my Vietnamese student came to start her training with us and as is customary of our training, we wanted to find out why she chose our Course and how our training could help her achieve her dreams.  These questions help us understand how we can be supportive to our client’s needs and help them to succeed. We started talking and it transpired she has been experiencing very difficult times with her employees.  She is Vietnamese and generally hair braiding and weaving will not be her strongest skill.  She explained she had set up a hair and beauty shop in a busy location in Portsmouth – UK.  She specialises in nail beauty and to keep business moving, she had employed black girls to take over the hair beauty side of her business – division of labour; outsourcing etc you would say.

Great business plan you would think. Far be from it. This is where our story starts. Prior to Christmas; these Black girls had stopped work for 3 weeks – claiming their children were ill.  Continuously, they have become consistently unreliable.  This is why my student Thao has come to train herself to gain a skill that otherwise she would not have considered in order to take control and avoid losing her business.  This then made me question why Black girls complain about unemployment or lack of business opportunities in the economy.

Someone will say to me that braiding and weaving is a black people’s skill. But with behaviour like this constantly being reported by Salon owners and people from other races we at World of Braiding & Extensions encouraged everyone with an interest in these skills to come and get trained.  This however does not take away the fact that braiding and weaving is a skill that comes natural and is practiced more in the black community.

But why do the black community find it difficult to understand that hair beauty is a business that should be taken seriously? Research has shown that the Black community is an appearance –obsessed culture which spends 6 times more on hair beauty than any other race.  It is estimated that by 2013 the ethnic hair industry will spend $4.2 trillion. My personal interviews with people in hair industry confirm that black women will rather look after their hair than feed themselves; take up training to invest in themselves or pay their bills.  Yet the Black community is happy to let other races take up a skill that comes natural to their race while they fold their arms and wait for office jobs that do not exist or on the other hand, take up meagre or cleaning jobs instead etc.

This is my personal sentiments.  The Black community knowing that this is a skill they can practise easily have de-valued the skill.

A Black girl in training

A Black girl in training

They choose to work on clients without training and mentally believe that it is a short time position as they wait to go to University or take up low earning jobs.   Black race and African society in particular place too much emphasis on academic education while they show no respect towards vocational trainings.  While I may have nothing against people’s choices, these people turn round and complain about all races for taking up their jobs or businesses.  I find other races such as the Indians, British, Chinese etc races differ from the Black race as they give everyone the opportunity to choose what they are naturally gifted with. They have respect and regard for every skill based jobs.  They encourage anyone who has natural affinity to work with their hands to do what they can do, help the community and create jobs for others invariably enriching their societies.  This is why the African Society in particular is still struggling with the highest level of underdevelopment and unemployment among its people. We will get into the plane to these developed countries in search of a good life rather than grow our own continent or country.

Fact from my 8 years of training people in natural hair business, I have noticed that Black people do not take skills’ training seriously.  Thaos’ experience with her stylists is only but a minor story we have heard in our years of training Salon owners in natural hairstyles.  There are instances where the stylist will chose to sit at home and the salon owner will beg her to please come and earn some money in the shop.  There are instances where they will agree with you to book in a client then simply not show up for the job.  There are instances where when they work freelance, they book a client and do not show up to offer the service.  There are instances where salon owners get so frustrated and simply close their shop due to lack of stylist.  This is also not counting when they give the clients their private numbers to come to their home instead as they will be cheaper than the shop thereby giving unprofessional service. My personal experience is that students from other races go out and succeed quicker using the same training and information given to them.  Is this lack of seriousness based on family and friends influences or just a lack lustre attitude in us? Is this something we can look at and solve at some time in our life?

This is my question – What is the logical reason why the black community is anti-business?  Is it due to years of mental brainwashing through years of slavery to imagine that any skill not taught in the classroom is wrong? Is it through years of looking up to our neighbours who have all been to the best Universities and work in a fancy office that makes us think we should all be like them? Is it that feeling of being laughed at by your friends if they find out we do not work in an office that causes our lukewarm attitude to skills and business?

This question has got me searching and re-searching.  I come from an African country where there is untold stock of natural resources yet my country imports everything.  We don’t think it is our duty to use our skill to create anything.  We happily see everything from other countries as superior to ours. While we may conveniently blame slave trade for our problems and the continuous brainwashing from other races and bad corrupt governments etc, I know from my research about our ancestors that there existed entrepreneurship in the Black community even in the midst of slave trade  – Madam C J Walker, Madam Anie Malone, Johnson & Johnson Products (which held 80% of the ethnic hair market in the 60s and was the first Black owned company to trade on the American Stock Exchange).

Take for instance Madam C J Walker (December 23, 1867 – May 25, 1919) who is one of my heroines. She was the pioneer of modern cosmetics industry.  She was one of 6 children born to a former slave family in the height of discrimination and racism.  Was orphaned at the age of 7 and was raised by her elder sister. She ran away from her abusive brother-in-law, got married at the young age of 14 and was widowed at the age 20. Left with a daughter, she struggled as a washerwoman. She had no formal education but driven by her own struggles with hair loss in the 1890s, Madam C. J. Walker began experimenting with different hair care treatments and products.  When the average Black woman made less than $10 a week, Walker built herself a $250,000 thirty four room mansion, owned four automobiles, and two other homes. She was a frequent donator to various charities and also erected a community center for Black residents in Indianapolis. At the time of her death, Madam C. J. Walker was sole owner of her business, which was valued at more than $1 million. Her personal fortune was around $600,000 to $700,000.  My favourite lines from her are “I got my start by giving myself a start. Don’t sit down and wait for opportunities to come, you have to get up and make them”

If there are any lessons to be learnt from this great woman who was later commemorated with a stamp in 1998 by the American government is that you do not use your situation as excuses rather use it as a reason to change your life.

According to Booker T Washington – founder of NNBL in 1900, “if we do not do our duty now in laying the proper foundation for economic and commercial growth, our children and our children’s children will suffer because of our inactivity or shortness of vision.” “No race that has anything to contribute to the markets of the world is long in any degree ostracised.”

It is time the Black man and woman help themselves and get on the ladder of entrepreneurship as was practised in the past?  Be assured that you will never get rich working for anyone.  You will leave your unborn generations into beggars if nothing is done about this. The time is now to start creating the best foundation for your children and to leave them as owners of businesses by the time they grow old. Get training and make your business a professional one so you can attract clients and grow.  In the process of doing this, you will help your community and your race.

If you have had any experience with anything written in this blog, will like to share your experiences, make your contribution or need help in any of the issues raised, we will like to hear from you.


taking control of your business

taking control of your business

What is a business?   A business also known as enterprise is an organisation that sells goods or services and sometimes both to people for a profit.  I personally think you have a business when you have something that people are happy to pay you to have.  Businesses are sometimes run not-for-profit.   Some businesses are privately owned aimed at earning wealth for their owners.  They are also sometimes owned by the State or a group of individuals or a community.  Entrepreneurs take risk and most times fail, sometimes they fail more than they succeed.  They don’t however lose heart over failure as they stand up and do again.  Entrepreneurs take failures as just lessons on the way to greater success.  People go into business most times because they have decided to do something more with their life than just continuing as a wage slave.

Are there Different Types of Legal Business Ownership?  Yes.  They include:

  • Sole proprietorship:  Business owned by one person and usually for-profit. The owner can run the business alone or can employ others to help him.  The owner has unlimited liability to debts incurred by the business.
  • Partnership:  Business owned by two or more people usually for profit. In most forms of partnerships, each partner has unlimited liability for the debts incurred by the business.
  • Corporation: Business that has a separate right as a legal personality different from its owners.  Corporations can be privately-owned or government-owned; can be for-profit or not-for-profit.
  • Cooperative: Also known as a “co-op” is a limited liability business that can organize for-profit or not-for-profit. A cooperative differs from a for-profit corporation in that it has members, as opposed to shareholders, who share decision-making authority.

 Who can own a Business? Individuals, groups of individuals, Governments, Communities etc.

What are the reasons for starting your business?

  • Freedom – To be able to do your desires. To right a wrong in the society or to fill a gap.
  • Control – To be in charge of your own destiny.
  • Work & life balance – You are able to balance work commitments around your chosen lifestyle
  • To earn a good pay and create wealth
  • To pursue your dream or passion.
  • To create self-employment income after losing your job.
  • To create a second source of income.
  • To diversify a risk of losing your job or to avoid losing your job.
  • To create a family business and protect a future for your children.
  • To become a stay at home mom and still earn extra income.
  • To develop a business as an investment you can sell one day.
  • To develop a retirement asset etc, etc.

What are the Benefits of running your own Business?

  • Vision You want to leave your mark on the world and change something. Running your own business helps you to achieve this.
  • Choice – There are no policies that dictate what you can do.  The choice is now yours. Your business reflects your personal taste and style.
  • Ambition – Your ambition is only limited by your ability to grow your business. You can grow big or decide to stay small.
  • Safety net – There are lots of insurance products out there that can provide you with a financial safety net. Long term sickness or your sudden death need not mean poverty for your family.
  • Work at home – It’s likely you’ll start a new business from home. That means you can get up at a time that suits you.
  • You choose your team As you’re the boss, you get to hire the people you want and not be stuck with who the boss hires to work with you.
  • Long holidays – Providing you can organise your business to allow it, you can take as much time off as you want, whenever you want.
  • Flexible – You can adapt quickly to new opportunity. You no longer have to feed ideas up the line for other’s to make the decision.

What are the skills required to run a successful Business?  If you are willing to build a business and make a success of it, instead of just a hobby, then there are skills you should either have or learn to make them part of your entrepreneurial priority:  Just like a footballer practices every day to be good at what he does, an athlete, a boxer etc, a business owner has to learn to be good at making a success of his business.   “I wanted to be an editor or journalist. I wasn’t really interested in becoming an entrepreneur, but I soon found I had to be an entrepreneur in order to keep my magazine going.” – Richard Branson.  These are some of the skills you have to learn:


Take control with good image

Take control with good image

Personality traits & skills – be ready with the right mindset, have great personal traits – talents, character, attitude, passion & energy, dedication, hard work, integrity, drive & persistence, values & believe, optimism,  resilience, ability to work under pressure & uncertainty, ability to think on your feet, self-belief, willingness to take responsibility etc, etc.

Interpersonal Skills – Management, Leadership, Communication & listening, Negotiation & persuasion, Ethics, People Management & HR, Continuous Professional Development – willingness to constantly invest in yourself in order to stay current etc, etc.

Business skills – Skills of your trade, Planning,  Sales and Customer Relationships, Marketing Skills, Finance and Accounting Skills, Organizing, Inventory,   Create your unique selling point, Stay on top of technology, Project a professional positive image, Be accessible, Design a successful workspace , Research & Development etc, etc.

These are only but a few but they get you started on the right part and you learn as you carry on.

As part of continued business success and growth, you must continuously innovate. The continuous developments of new and better

getting rich in business

getting rich in business

ways of doing things are keys to help you grow.  There are no in between places, no middle ground. You must always be innovating and improving. Whether it is in your product or service that is delivered to your customer, or whether it is in how you do business, it is vital. When you stop innovating, you start dying, it’s that simple.


What are the statistics on failure rates in Business?  Statistics suggest that most business in America will fail in their first 2 years of existence.  According to the SBA, about two-thirds, or 66% last past the first two years, leaving only a third of businesses that fail within these two years. Extended to four years, the number of surviving businesses decreases to only 44%, meaning that about 56% of businesses fail at the five-year mark.  Primarily, businesses have a difficult time making a profit for their first years of business.  Almost all businesses experience a loss when first beginning and it is often several years before they can show a profit. New investors may not be willing to deal with these losses, and the business may not have enough capital to weather these first trial years.

What are the reasons for Business failure:  Lack of experience, Insufficient capital, poor location, poor inventory management, over-investment in fixed assets, poor credit arrangement, personal use of business funds, unexpected growth, competition, poor marketing, poor business planning, poor management, poor human resources, failure to embrace technology and development, government legislation, lack of clear objectives, owners may not have the passion or persistence to keep running the business efficiently and learn from their mistakes

If we avoid getting into Business, what options do we have:  Here are some amazing words of inspiration from great business men and women past and present:

 “Anything is possible if you’ve got enough nerve.” – J. K. Rowling

 “I am a woman who came from the cotton fields of the South. From there I was promoted to the washtub. From there I was promoted to the cook kitchen. And from there I promoted myself into the business of manufacturing hair goods and preparations….I have built my own factory on my own ground.” – Madame C. J. Walker

The greatest failure is not to try. Had I listened to all the people during the course of my life who said, “You can’t. You’ll fail. It won’t work. You don’t have…,” I wouldn’t be here today.” – Debbi Fields 

When my company started really growing, I didn’t have any help in my house at all. I had the upkeep of my daily life, I had a one year old and a three year old, and I had my house. So I had to prioritize.” – Julie Aigner Clark

It was a risk. I had a husband and I was pregnant with my oldest son. But I don’t look at risk the way other people do. When you’re an entrepreneur, you have to go in feeling like you’re going to be successful.” – Lilian Vernon  

I find that when you have a real interest in life and a curious life, that sleep is not the most important thing.” – Martha Stewart

I never dreamed about success. I worked for it.” – Estee Lauder

There is no such thing as high returns without risk.” – Gerry Schwartz

You must be very patient, very persistent. The world isn’t going to shower gold coins on you just because you have a good idea. You’re going to have to work like crazy to bring that idea to the attention of people. They’re not going to buy it unless they know about it.” – Herb Kelleher

“Success is neither magical nor mysterious. Success is the natural consequence of consistently applying the basic fundamentals.” – Jim Rohn

When my company started really growing, I didn’t have any help in my house at all. I had the upkeep of my daily life, I had a one year old and a three year old, and I had my house. So I had to prioritize.” – Julie Aigner Clark

“Above all, you want to create something you are proud of. That’s always been my philosophy of business. I can honestly say that I have never gone into any business purely to make money. If that is the sole motive, then I believe you are better off doing nothing.” – Richard Branson


In addition to Skills in Natural Hair, Weaves & Extensions, World of Braiding offers Business Trainings to Micro Businesses in order to help you grow.  Contact us if you want to be part of our training.



Joy Phido

Joy Phido


Joy Phido (SRH) is the CEO of World of Braiding & Extensions Ltd.  Joy is a Natural Hair Specialist, Designer, Consultant, Educator and Coach.

Joy has a BSc. Degree in Business Administration, Qualified Cosmetologist, various other trainings in Legal Secretary, NLP Practitioner, Natural Hair & Extensions, State Registered Hairdresser (SRH).

Before going into hair business, Joy has had years of  various career experiences with varied organizations including Corporate Nigeria, Lagos city banking career, to Corporate England, London city telecomms career.  Joy’s mission is to help career women look good by designing on them Professional Natural Hair & Extensions image as well as help ordinary women succeed in micro businesses with natural hair & extensions training & coaching.


Contact us:

Telephone: +44 208 983 9815, Mobile: 07946 439 057




Do you like the idea of becoming a Natural Hair Salon and Training School/ Academy? If yes, why not become part of us by investing in the World of Braiding Affiliate Programme?


Did you know that 80% of the world populations are people of colour – Africa, Asia, Latin America and the Caribbean and yet hair textbooks, Cosmetology/ Hairdressing colleges and scientific understanding of hair – structure and function comes from research that has been done mostly on Caucasian hair type? 

This is a huge opportunity to get into the black hair industry as was proved by Madam C J Walker (1867-1919) when she became the first black woman millionaire from black hair beauty.


To confirm the Black Hair industry is a huge industry here are some  statistics to show population and income –

Population – In USA Black Americans totalled 38,929,319 as at 2010, in UK 1,148,738 as at 2001, in Africa 1,022,234,000 as at 2010 etc etc. 

Revenue –  In UK 2004, the Black Hair industry was worth £60million.  South Africa in 2002 it was $90million, USA in 2008 it was $14.7billion By 2013 it is estimated to turnover $4.2trillion in the USA alone.  Black women spend 6 times more than all other races on their hair care. Yet the Black hair industry lacks professionalism, the least developed, the least understood, the least studied, the most damaged and the most uncared for.  


This is your opportunity of owning your own WORLD OF BRAIDING FRANCHISE

You will not only become a Natural hair artist and have the skill to design and be creative with all hair types; you will also be a natural Afro hair specialist – providing care, understanding and maintenance for this hair type. In addition to this, you will be trained to become a trainer to start training students in your neighborhood with our full backing and support.  You will become a World of Braiding School and start registering students for training and we will guide you through the whole process. When you buy into our knowledge, experiences and wealth of information, you directly work with us to gain hands-on knowledge, skill and everything that you will need to get you into the business of natural hair, braid designing and training. You will not deal with the complicated teething problems of starting your own natural hair business as you will become our Natural Hair Consultant Affiliate and will simply become us in your chosen location.  You are now a part of our growing business and we will bring everything we know to you – braiding skill, training, marketing, product sales, training materials sales etc.

 Welcome to World of Braiding & Extensions

World of Braiding was created in 2007 by Director Joy G Phido when she saw the huge gap caused by lack of attention given to the natural black hair when compared to other hair types and the poverty seen among hair practitioners who stands behind the clients all day with no financial incentive to show for all her efforts. She then had the clear vision – of providing professional high standards in natural hairdressing (designing and maintaining natural hair), education and customer service, whilst developing people to their full financial potential with clear business sense in natural hair industry.

MISSION: professional natural hair glamour
Bringing prosperity to hair practitioners

BUSINESS VISION: To help you prosper in the business of hair through Education, Information & Skills training.

MISSION:   To help you understand and maintain natural hair for your clients by making natural hair modern, professional and glamorous.

As a dynamic, forward thinking company, World of Braiding does its best to provide quality, creativity and professionalism in all that we do. By constantly pushing boundaries and evolving, we share our dreams with everyone who work with us and we want you to come and join us dream bigger and better. 

What do I need to join the World of Braiding Affiliate

World of Braiding is looking for business owners with or without experience.  Our franchise is open to anyone that believes they have the desire, personality, creativity, flair, passion and business common-sense to fill a classroom and salon appointment books!   Other important requirements are a great attitude and work ethic; a passion for interaction; a willingness to listen, learn and lead; and a desire to make your natural hair salon and training school the very best it can be, each and every day.
Whatever your expertise and experience, if you are a dynamic individual, World of Braiding can fully train, assist and support you to start trading as profitably and quickly as possible. 

Our Affiliate Franchise owners will need the following for us to help you through every step to realizing your dreams:

  • An investment of **£20,000.00 for first year of personal training, skills and getting you into the business.
  • Second year an investment of **£10,000.00 to become a Full Franchise owner.
  • Third year and thereafter £500 yearly administration fee.

 Support Services

The World of Braiding Operations team will provide continuous on-going support throughout the lifetime of your franchise. This includes telephone /skype monitoring contacts and bi-monthly 1-2-1 meetings at Director level.

There are a number of steps you’ll take once you decide to buy a World of Braiding franchise and our dedicated support team will work with you each step of the way. In fact, we strive to be the best in the business at providing our franchise owners support. So, from the time you sign on the dotted line to the day your very own natural hair school and salon franchise opens World of Braiding will be there to simplify opening and operating your own business.

Of course we do not stop once your school and salon is open. We will provide support and guidance as long as you are a World of Braiding franchise owner. We understand the importance of having the right training, the right tools, and the right guidance to successfully manage your business. Our team of experts will give you the confidence and peace of mind to stay focused on your dream.

World of Braiding Head Office will always provide support that covers your business dreams.

Why Join World of Braiding & Extensions

Over the last past years, World of Braiding has stood out to become the biggest name in the natural hairdressing industry. The World of Braiding formula is tried and tested and our philosophy is to deliver a personal experience.  Our franchise owners also enjoy the same standard of personalised care and support from our dedicated franchise management team. We don’t subscribe to the ‘one size fits all’ practice in anything we do; instead we take the time to understand your experience and background, and what your business ambition and goals are. We work closely with you to establish your personal wants and needs and provide you with a personalised turnkey package, which includes:

  • Lower initial investment compared to other franchises
  • Benefit of a brand with high consumer awareness
  • A complete and extensive International Braiding training package program geared to get you started in your skills knowledge at no extra cost
  • Outstanding personal assistance throughout every step of the start-up phase and beyond
  • Dedicated business support team available at all times
  • Simple business model with an easy to follow step by step guide to make you successful
  • Direct access to the ownership who are loyal and responsive to new ideas from their franchise owners
  • site selection and project management
  • technical and management training
  • effective marketing and PR tools and support
  • complete social media package
  • advise on professional product & extensions stock
  • Customer Service training
  • Business Understanding training
  • Half price on educational & training materials to your school
  • Two weeks per quarter (each 3 months) training from our Training Director /trainers to your students at a half price training fee to your school


World of Braiding franchise gives you the chance to profit from a stylish and successful school and salon of your own, with the security of our excellent support which includes among others the following – 


  • BRAND – everything we do must follow our brand philosophy.
  • CLIENTS – every week more clients work with us as we are the very best in natural hairdressing services. Our desire is to serve more; our obsession is to do it better than anyone else and we will be teaching you this.
  • SUPPORT – we pride ourselves in the support that we offer which you will also gain from.  


Our collective desire to become a global force in natural hairdressing requires a shared passion from all our team and we need to work with exceptional individuals like you who is determined to succeed, smitten by creativity and passionate about people.


Joy Phido believes that in order to have a successful ‘creative’ business, its foundations need to be firmly set in a robust and ‘commercially viable’ business plan. To be good at your fingertips and creatively designing with your comb is simply not enough with business.  This is why most black hair businesses do not survive as they are only seen as hobbies.  This is what World of Braiding will change for you by supporting and guiding you on all your business aspects in our partnership salon & training school and we will be sure that you stay on your Business focus. 

The Business Focus

Franchise tracking and business development
Marketing, Internet marketing and social media, operations, customer service and HR
Ongoing monitoring and support of your business, etc etc.
…all of these support our proven Business concept


For more details on our Affiliate Franchise offer, please contact us:

+44 1702 339 858

**This unique Franchise offer ends 31/12/15 and this investment price is for UK and Europe affiliates only**  For international offers, contact us.

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