We’ve talked about mental strategies for the past two days and instead of going on and on, let’s explore another direction, shall we? However note that we will certainly get back to the mental strategies. Finances are another really huge deal and the earlier in the year we talk about it, the better.

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- Don’t borrow. I know, I know-you have a million good reasons to justify all the money you keep borrowing but common, you really don’t have to. Learn to cut your coat according to your size. Know what you worked for and budget in line with what you worked for. Loan and just generally borrowing is a trap. Don’t sink into this trap knowingly or otherwise. The second part to this is if you borrow, PAY BACK! Borrowing and not paying back is a form of theft because you have just denied someone the pleasure of their hard-earned money. To summarise a friend’s words from his status a few days ago, “don’t exploit relationships and access”. By the way, those credit cards, I know how tempting they are but don’t fall for the trap, please. The interest rates are enough to keep you in check. As much as possible, keep only one credit card and ensure you pay back in full always before the due dates. Even better, maintain a negative balance if possible. I know there’s a lot of advice against that because of your credit score but better safe than sorry, my dears.

- Save. Save, save and save. This year, don’t eat with all your fingers, common. Don’t be a slave to your cash but let your cash work for you. Before you get your income, you should have an estimated idea of how much you will be getting. Use your expected pay amount to draw up your budget. It’s one thing to draw up a budget and another thing to follow the budget. Hunnie, be kind to yourself. Be disciplined. Of course you won’t master the art of saving at once if you are just starting out and that’s why you have to start right now. You can start with saving at least 10%. It’s a good starting point but shouldn’t be your ultimate destination.

- Invest. Do you know what’s wise? Saving. Do you know what’s foolish? Just saving. So you have 20 thousand naira saved and it’s just sitting there in your bank? Or you have ‘just’ $250 in your account and it’s sitting there giving you 0.01cent interest at the end of every month? Common! Saving is smart but here’s what saving at the bank does ultimately; it gives the bank your money to trade with. Err… how do I break this down? Basically, your money doesn’t just sit in the bank to sit in the bank. You know what? keep your fingers crossed for when we do our soon coming book review. After you have saved enough to a certain amount, start exploring investment options. Sweetheart, don’t invest in what you lack knowledge about. You have worked hard, you have disciplined yourself and saved, don’t throw all that money away with terrible investment decisions.
Investment is an arm of your bank, talk to one of the investment bankers in your bank! Guaranteed, they probably won’t always give you the best advise because some of them are not completely knowledgeable in that direction themselves but here’s the picture. Consider yourself a baby who needs all these adults to help you learn to crawl and walk. Sure, someday you will walk and even run just as some day you will know so much about investment. However as of now, let someone teach you to crawl and take your first few babysteps first. You can never be too young nor too old to invest.
- Don’t fall for pyramid schemes. I wish I wasn’t speaking from personal experience on this one. Pyramid schemes are scams. They are not a kind of investment and ultimately don’t have a great end. If you don’t have documents and numbers to back up your investment, please don’t do it

- Side hustle. Get a side hustle. Don’t let your 9-5s be your only source of income. Your side hustle could be maximising other skills that you have such as web development, graphic design and others. You can easily be a freelancer doing something you love while still maintaining your day time job. In actual fact, we live in times when many people’s sidehustle eventually become their main hustle.

- Piggy Bank. This could have come under the save option but it didn’t for a reason. Saving is deliberate. You really want to save an actual percentage or amount for every paycheck. Piggy bank on the other hand is for all that extra change that you would usually toss aside or throw in a corner and forget about. Traditionally, piggy banks were quite cute little containers and mostly stored coins. Hunnie, wake up and smell the coffee. Piggy banks can do so much more for you than coins. Throw in bank notes that you do not need at the time and fight the temptation to break your piggybank open before the year runs out. I came across an helpful tip about piggybanks sometime ago; start putting in money in whatever your currency is from the number of days of the year and in a diminishing manner. This means for jan 1st-you put 365, jan 2-364, jan 3-363 etc. You can also do this weekly. week 1-#52, week 2-#51 and so on.
- Don’t borrow. I know, I know-you have a million good reasons to justify all the money you keep borrowing but common, you really don’t have to. Learn to cut your coat according to your size. Know what you worked for and budget in line with what you worked for. Loan and just generally borrowing is a trap. Don’t sink into this trap knowingly or otherwise. The second part to this is if you borrow, PAY BACK! Borrowing and not paying back is a form of theft because you have just denied someone the pleasure of their hard-earned money. To summarise a friend’s words from his status a few days ago, “don’t exploit relationships and access”. By the way, those credit cards, I know how tempting they are but don’t fall for the trap, please. The interest rates are enough to keep you in check. As much as possible, keep only one credit card and ensure you pay back in full always before the due dates. Even better, maintain a negative balance if possible. I know there’s a lot of advice against that because of your credit score but better safe than sorry, my dears.

That’s it for our financial segment. Any questions? Any comments? Any debate? Any addition? The comment section is wide open. Looking forward to your feedback and I hope you enjoyed reading. By the way, I would love to read about your first investment experience.
See y’all tomorrow. Please don’t forget to follow me, like the post and sharee :). Stop enjoying the good stuff alone. The share links are just below.
Thank you darlings. Happy Sunday!! I love you!!!

So also as there are many reasons for weight-gain, but we know primarily that junk food plays a huge role in that respect. Your mind is just like your body and the whole point of this mental strategy series is to ensure we are putting our minds on the right diet regime. It’s time to say no to feeding our minds so much junks, doing so much exhausting stuff and focus on the right content. In essence, this will be an obvious continuation from last post. 

It’s one thing to have coffee, lunch or night outs with friends but nothing beats sleep overs. Sleep overs are not common to the Nigerian culture but they are important to building relationships and should really become a thing. The western culture promotes this from when children are still really young. What do sleep overs do for your mental health?
8. Forgive repeatedly. I know this one isn’t easy but I tell you it’s worth it. Forgive and forget is a Biblical principle and that’s very important. We all know how daunting a task forgiveness can be especially when we never get that apology we are rightfully entitled to. I read a book about 2 years ago and it felt like a Eureka moment when I stumbled upon the Forgive repeatedly principle. The fact that you forgave a person once doesn’t mean you won’t remember it again.

The problem is if we don’t make a conscious decision to break-up with old mental habits and be deliberate about building and inculcating new ones, then we will never quit the mind-numbing exhausting cycle of misery. Here goes what we need to do:



Now you can dance like no one is watching because hunnie, no one is actually watching. It’s your room and you’re all alone 🙂






























