HAPPY HOLIDAYS EVERYONE!

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Happy holidays everyone and a joyful Eid-ul-Adha to all Muslims. I hope you all had plenty of fun and rest, I lay in bed watching Rome all day – a fantastic show if I ever saw one. I am a series girl lately, from tyrant to Game of thrones, devious maids, fresh off the boat, orange is the new black and the likes, I am loving them all. Laying in bed and munching on something delicious while watching a show is my favorite thing in the world to do. Yes, It doesn’t take much to keep me entertained. 🙂

Did you have a good day? How many doors did you knock on for meat today? Na joke I dey joke o! Looking forward to the rest of the holidays. Eat well, rest and be happy for it’s a four- day weekend! Yay.

THE GOOD LORD IS WORKING IT OUT, ALLELUIA!

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Whenever I am feeling down I turn to my bible to remind myself about all the rich promises of the good Lord and my spirit is renewed for I know that the Lord’s compensation for all that the locust has stolen from me is at hand and I shall be triumphant, hallelujah!

No matter what the dark cloud looming over your life is, keep in mind that millions have gone through that exact situation and come out victorious. Even the darkest of clouds eventually give way to sunshine.

With prayer, faith and good works I persevere and wait upon the Lord for I know his promises of protection and provision are unchanging.
I am so excited and expectant and you should be too for “my father Is always at his work to this very day”… John 5:17.

Hallelujah!

GREAT TIPS FOR SAVING MONEY

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There are some hard and fast rules to live by if you’re going to be able to set aside a substantial amount of money for the proverbial ‘rainy day’, for retirement, major projects like building or buying a house, education, rent, travel, investments and asset acquisition and some of life’s other necessities and luxuries alike.
Like many good things achieving a modest amount of financial security requires discipline and planning.

I find that a surprisingly large number of people who have been working for several years complain that they have barely been able to put a penny away in the bank or bury a reasonable amount aside in assets or investments, Isn’t it a sad thought that one can work for many years and not be able to boast of a respectable amount stashed away for retirement? Life should be easier!

A lot of people argue that seeing as they do not earn a lot it makes perfect sense that saving anything  is close to impossible, well I think one can set aside a little money even from the most meagre of  pay cheques.
Below are outlined a few practical tips that will have you smiling and giving yourself a pat on the back in the near future at what you have been able to set aside for the future :

1.  YOU are number ONE: Pay yourself FIRST rather than last, it would be easy to argue “Oh, I have bills falling out of my nose and so on, designate a certain amount of your pay cheque as your ‘reward’ for earning that money and keep that amount aside religiously every month, contrary to what you might think, your family will not starve, the bills will be paid, the world will not end – try it, pay number one first – in the words of the weeknd “you earned it”, you know you deserve it!

2.  Have a spending plan : Do you wing it every month and just pay the bills as they come? Stop! Map out a spending plan today, organizing your spending will do you a world of good, write down every single thing you buy or pay for every month , including money sent to family, medical bills, expenses on entertainment, food, travel and so on. Seeing where  your money goes written in black and white will give you a jolt and will be the wake up call you need to cut back on expenses you really can do without. Keep luxuries to a minimum if you do not earn a lot. Itemize your spending in order of importance and try to cancel or cut back on an item or two as you go down the list, this will happen closer to the bottom of said list probably in the  vicinity of money spent on phone and internet bills,  entertainment, junk food and the likes.

3.  Stay away from impulse buying – Ah, yes. If there’s anyone not guilty of buying items on a whim from time to time, I would like to meet that person and shake their hand, You know that item you have rotting away in the back of your closet or sitting idle in a corner of the house? It could be home appliances, furniture, clothes, anything, but they all have one thing in common – you beat yourself up mentally and ask “what on earth was I thinking when I bought this?” We’ve all been there, but never again! When you’re seized with the urge of make a major purchase on a whim, pause and whisper over and over to yourself the sum total your bank balance will come to if you channel that money to your month savings instead ( like so -1.2 million certainly sounds better than the 1 million you will be left with If you make that impulse purchase of a N200, 000 item, the ‘healthy’ jump in your bank balance will give you the courage you need to resist ‘temptation’ and keep you cautious in your spending. Just keep whispering that sum total to yourself until your legs have carried you safely away from the ‘temptation’.  Good bye forever, impulse purchases!

4.  Do not be Mr ‘penny wise, pound foolish’ – sometimes you have to spend money to save yourself from avoidable future expenses, what do I mean? Buy quality items ALWAYS, do not gain momentary relief by cutting corners only to end up paying through your nose in the near future. When making major purchases like  home appliances, automobiles, furniture, electronics, clothes -everything really, buy durable and quality items that will save you money in the longrun rather than going for cheaper and not-so-durable options that will have you spending a ton on maintenance, repairs and replacements. I am Miss penny AND pound wise, which are you?

5.  You could also save money on every day items you pay for without a thought, spending between N300 – N1500 on lunch at work everyday might not seem like a lot but add up that sum for a week, a month, then a year and you will be amazed at what it comes to, wake up early at least twice a week and make lunch for work, cut down on drinks and junk food, hitch a ride home with a colleague or a friend instead, cut down on phone and internet bills, etc and you will be saving a ton of money on junk food, transportation, entertainment and so on.

Go ahead and make that  money-saving move today, Invest wisely and secure your future – You deserve it!

HOW DO YOU SLEEP AT NIGHT …

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1.  When your colleague ferries you to and from work daily and when it’s time to buy gas you ‘face front’ like say na ‘thank you’ dey fuel the car ?

2. When you steal someone else’s idea or take credit for their work and leave them high and dry?

3. When you borrow money and time to pay back comes around but you don’t say a word and keep looking the person in the eye everyday like nothing happened, acting like you forgot? Onigbese, how do you sleep at night?

4. When you always wait for your colleague to pay your bus fare home every single day? Osho free, how do you sleep at night?

5. When you join your colleague in eating their lunch daily and you can sense that they are left half-hungry everyday but do not know how to ask you to stop? Long throat, how do you sleep at night?

Your turn …

MORE LIFE LESSONS

Life is one teacher that never stops teaching, no retirement, no vacations, only lessons day in, day out till, well … till we’re ‘gone’ from the world! Here are more life lessons to refresh that memory of yours incase the lessons learned from bad experiences are fading away. 🙂 what’s that now? yes, I know I’m very helpful – I’ve been told countless times. 🙂

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1. Forget what hurt you but never forget the lessons it taught you.

2.  Family is everything – whether you’re at your best or not they love you unconditionally, warts and all they love you real hard regardless.

3. In a nutshell ‘this’ too shall pass

4.  Never fear taking a chance on something you really want to do.

5. Stop waiting for the changes you want to magically happen – you have to be the catalyst.

6.  Failure is humbling.

7.  Stay away from people with entitlement syndrome –  they will never learn.

8.  Unexpected lessons are the hardest but make us the strongest.

9.  Learn to ride the waves of life, see the ups and downs as an adventure.

10.  Time heals almost everything, give time time.

So, what lessons have you learned lately? Please share.