Don’t be afraid of growth –
either in life or business. Growth is not about age; it is more of maturity and
responsibility.
There was a time in my life
when I wouldn’t let go of my old ways; they were comfortable and familiar like
an old pair of shoes – and there are many people who are living as such; professionalism
is lacking in their dealings with clients and associates. Some families are in
huge debts today because they are not realistic enough and many others are
being taken for granted and abused because they keep doing the same thing the
old way.
I have been manipulated over-and-over
because of my niceties. In as much as wickedness is not an option, stupidity is
not an alternative either. To move onto the next level, you have to give up on
certain old habits by growing-up, becoming
professional and practical in your dealings. You cannot keep hurting inside
because you don’t want to hurt others.
To do this;
Evaluate your life. Measure your
success on paper. A good businessman or positive person must keep proper
records of all his dealings. He must cultivate the habit of paying himself from
the business revenues and he must separate the business accounts from personal
accounts.
This also
applies to salary earners; save and invest. Don’t wait till retirement before
planning your life.
Don’t spend more than your earnings. Indebtedness is a result of insatiable wants and not always because of needs.
Financial wisdom says ‘Don’t spend above your income!’ Keep your budget lower
than your income; it will help you channel a better future. This cancer of
spending above ones income is one of the major reasons why most people are
glued to abject poverty. It is not because they have no ideas or not thinking
accordingly – it is their poor spending habits. It plunges them into debt and
servicing debts is always costlier and more painful than waiting till the right
time comes.
Draft your budget or financial plans
and stay strictly with it. You should have a daily,
weekly and monthly budget for your expenditures and revenues. Don’t buy on
impulses or your measurable goals will suffer for lack of discipline.
Avoid luxury if you can’t afford it; it will deplete your income, plunge
you into debts or make you steal. Many people have only succeeded in building stomachs whilst their mates are
building houses. What others consume eats deep into their finances than Boko
Haram invasion will cost Nigerian government in ten years. Do away with some
‘expensive’ things if need be. The discipline may be tough on you and the
family but it’s worth it at the end.
It is important
for parents to know that children only grow on what they need (basic hygiene
and nutrients) not on what they want. Many parents are wasting monies putting
their children in music classes, sport clubs and various activities that add no
value to those children’s future. Some are doing it because their friends and
colleagues are doing it.
Avoid wastes;
if you cannot afford a lesson teacher for your children, be the teacher. If you
cannot afford a cleaner, do it yourself. One car might just be okay for a
family. If you consume everything now, you will deny yourself a glorious
destiny and beautiful future.
Delay gratification: Most adults
needs to stop being childish. You cannot have everything when you want it. Most
pantries are filled with children’s toys, garages are full of adult toys (i.e. cars) whilst most wardrobes are
filled with plaything (clothes and
jewelleries). I have no issue with you if you can afford them but it is
wrong when you have to acquire it on credit.
You have nobody
to outshine; it is your life – it is immaterial whether people boo or jeer you.
If you cannot delay gratification, you will be eating-up, destroying your
future today.
Who are you trying
to impress? It is your life. Nobody cares with what you do with it!
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