Goals

24th Birthday – 24 Things I Know For Sure

24th Birthday – 24 Things I Know For Sure

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I celebrated my 24th birthday on Friday, August 11th, and I was so full of gratitude. This past year has been filled with growth in all dimensions, that I can barely recognize the woman I was a year ago. Although I have made a lot of mistakes and failed so many times, I am happy about the lessons I have learnt from those mistakes and failures.  Here are 24 things I know for sure about life, success, career, love, spirituality etc. I hope you learn something or at the very least I hope it makes you think. Always put God first in everything you do. You are a co-creator of your life and you can’t survive in this world only believing in yourself Always do your best wherever you find yourself and make sure people are aware you’re doing great work You become exactly what you believe about yourself. If you can…

On Emergency Funds: What Would You Give To Not Worry About Money?

On Emergency Funds: What Would You Give To Not Worry About Money?

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I Don’t Think I Need Emergency Savings If I asked you to recall some of your most stressful times in recent years, what are the chances that one or two, perhaps all recollections are related to money? If you are 18 and over, I would reckon very likely. One of mine definitely is – tail-end of summer 2015; a memory so sore I refuse to laugh about it. In as few details: Fast car, very tempting empty stretch of road (countryside), 2am on a summer weekend. As you can guess, it wasn’t an exhilarating ride. Fines, impound and legal fees quickly accumulated, souring the rest of my year. In hindsight, what that summer boiled down to was one bad decision revealing the false sense of security I had financially. Wage/Income – Check. Long-term savings/investments – Check. Emergency Fund – Oops! You might ask “Why not dip into the long-term savings…

4 Bad Financial Habits I’m Leaving In 2016

4 Bad Financial Habits I’m Leaving In 2016

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I made a lot of mistakes in 2016 when it came to my money – earning it, saving it, and also investing it. Although I have come a long way from that person that maxed out her credit card almost every month to buy shoes and clothes she could not afford, I still have a long way to go. These are the bad financial habits that I’m leaving behind in 2016: 1. Not finding the best deals: I did not always bargain or do the research needed to find the best deals. This was because I didn’t think doing much more research would make a difference in the price (and other times I was pretty lazy). I know better though, money is money, and every dollar counts. I am not saying you should spend 4 hours on the phone trying to reduce your phone bill by $5 – that’s hustling…

7 Steps To Accomplish Your 2017 Money Goals

7 Steps To Accomplish Your 2017 Money Goals

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Whatever life you want to lead will cost you! The only way to lead the life you want is to save more or increase your earnings. This 7 step checklist will show you a few simple steps you can take to accomplish your money goals for 2017! Be On Top Of Your Money Where Does Your Money Go? In order to live the life you want and take control of your finances you must first figure out where all your money goes! The easiest way to do this is to get an app like Mint which shows you a weekly summary outlining all that you’ve spent money on. An old-fashioned but effective way to do this is to scan your bank statements each month or week this would show you all the places/ things you have spent your money on. Doing this quick exercise will show you the areas where…

INVEST IN YOURSELF YOU WILL GET THE GREATEST RETURNS

INVEST IN YOURSELF YOU WILL GET THE GREATEST RETURNS

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    Investing in yourself is the best thing you can do for yourself, not just for the future returns but also because of the current payoffs. Investing in yourself can take several forms but at its core it serves to increase your human capital. Wikipedia defines human capital as: “The stock of knowledge, habits, social and personality attributes, including creativity, embodied in the ability to perform labor so as to produce economic value” In life, I’ve realized that a lot of us simply do not spend the time or money needed to invest in ourselves (the only one guaranteed investment in life) instead we give money to others by investing in the stock market, the latest gadgets, the newest cars, better homes, and so on – items that depreciate, or have wildly volatile returns. And all of this is fine and great, but imagine what could happen if we…