I recall a time when one of my cousins came to me telling me all the things happening to him and how he was tired of living. He was subtly threatening me that he wanted to end his life. For some reason my response was spontaneous and harsh; please go and let us know how many of us is remaining to share the limited resources (food) available.

With hindsight, that was a sharp insensitive response that I would not give with a hind sight but the truth is that Life happens to all.  DO YOU RESPONSE OR REACT when life throws its punch at you?

You may be asking what the difference is. There is a huge difference between the 2 and the difference is in the outcome.

Outcome of reaction is irritation, getting stuck, throwing out tantrums at people around you, playing the blame game etc. but the response of response is  inward reflection , outward assessment, taking responsibility , looking for lesson(s) learnt, improved capacity…etc.

The following analogy or experiment perfectly illustrates how we all respond to life struggles when we come across it.

When you take a kettle of water, heat up to boiling temperature, pour the boiling water to the following items (Fresh Egg, Carrot and tea bag) let’s see what happens to them after sometime .

The Egg gets hardened; the carrot becomes soft while the tea bag changed by infusing its content to move from one state to another and at the same time changing the water to tea.

Boiling water is figuratively the life that happens to everyone… no one is immuned to it.

How do you ride on life storms? Like the Eagle that use the storms to soar or the chicken that runs for cover?

How have you responded to life up till now?   CARROT, EGG and TEA BAG.

Is there a need to change? How do you hope to change? Let me hear from you. Share your experience for others to learn from you in the comments.

 

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2 Words That Will Change the Way You Shop

I love shopping online, it’s like a pass time for me and it’s so easy. Also, I see it as a time-saving measure.

So when I see a lovely dress especially on discount online oh an alarm rings in my brain … buy it before it is out of stock. I want to buy it right then and there! I almost can’t help myself. I have to have that dress! Am I the only one feeling like this? If you feel same, please let me know on the comment section below this blog write up.

But that’s when I think back to a lesson my friend’s mom (Mama!) taught me many years ago: wait overnight.

Whenever you decided that when we’re about to make a big purchase—or even a smaller purchase that’s more than you usually spend on that item or it’s not planned for (Not in the budget)—it’s best to take a breath, let the emotion die down, and wait overnight.

When you sleep on the decision, you put some time between your emotions and the transaction. You wake up the next morning with a fresh perspective. You may ask yourself, Do I really need that?

Here’s the catch: Even if you sleep on the decision and wake up the next morning ready to make the purchase, you still need to pay cash. The money needs to be in your bank account. Making a purchase with a credit card is just as bad as making a purchase on impulse.

Also, ask yourself, Do I really need this item right now? Chances are, you don’t. If you’re honest with yourself, that question should give you a healthy dose of perspective.

“Wait overnight. Put some time between your emotions and the transaction.”

In my situation, I bought that dress over two years ago, and I have not found an occasion to wear it to till date Yes. It’s a high-quality, beautiful dress and, for me, it was totally worth it! Guess what I bought it when it wasn’t planned for so I had to use credit card. Dumb decision isn’t it?

Dresses might not be your thing. You might be into electronics, shoes, golf clubs or even boats. But this rule applies to anything. Impulse buying can really wreck your finances. It’s a topic I spend some time on in my upcoming book.

 

So if you have cash and you agree on the decision with your spouse, there’s nothing wrong with making that purchase. Just wait overnight!

Try this and let me know how this tip work.

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3 Winning Tools To Attain For Financial Freedom

These are words you are not told to attain Financial Strength/muscles and Confidence.

  1. Sacrifice( Delayed Gratification). Holding off on what you could do or have now for a better and greater future gain.
  2. Discipline. Simply doing what you ought to do to achieve your desire goal or aim whether it is convenient or not.
  3. Hard-work . This never kills. It expands or stretches your capacity to earn more and live with more.

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How You Give Yourself Away Unknowingly! #TAKE IT BACK

For a very long time I lived with this question in my mind of why people easily don’t understand me. I was not necessarily desperate but really eager to have people tick the like button on me. Though it did happen but it was at a cost; cost of loosing me; cost of doing everything possible to conform to people’s expectation; cost of me not understanding my action therefore unable to explain the WHY of those actions( Since I was living other peoples’ scripts.

It’s a life of silent frustration as human manipulators hijacked this to turn me to their toys and redesign me to their own version of me.

You have no idea how long this went on in my life. I was living to please that friend, family, colleague, spouse, parents, in laws, the communities I found myself in.Conforming to their expectations and ignoring my expectations of me.

DOES THIS RESONATES WITH YOU? Do you find yourself like this to be a tiny bit like Me?

I was there and it wasn’t a pleasurable experience . You live not pleasing yourself and living other peoples’ scripts.

IF YOU LIVE LIKE THIS YOU CAN NEVER HAVE THE BEST SHOT AT LIFE!

It’s time to get out of the box that you have put yourself in. Yes..you read well. You said yes to the scripts of the others..it was not forced on you. Yes I know how it is like to not be liked and you want them to be like. FLASH NEWS- Everybody cannot like you and neither can you like everybody?

Have you sat to think that you too have people that are not on your favorite list because of who they are?How do you treat them ?Do you also try to fit them into your own box of expectations? If yes then you are as guilty as the people we are referring to .

Why do people do this? It’s natural to gravitate towards what you are familiar with, so when you meet with unfamiliar character traits ; you are left with 2 options –

1. To accommodate to understand if you can live with it or move away if it bothers on an integral value you uphold highly.
2. Unable to accommodate and cope with it so you try to emotionally manipulate the person to fit your expectations .

These are the 2 reactions we give and receive when we come across people whose values are not similar to ours.

So you as a victim in the box, what do you do to gain your freedom and start living to be you in your comfortable space..?

I shared the way out in the video below. Please watch and leave a comment on how the video RESONATE with you.

WATCH VIDEO HERE….

Atinuke O

 
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5 Money Questions To ASK Each Day

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In my quest for improvement in my career and business; I have discovered the power of questioning. The Questions you are asking yourself determines how far you want to travel on the journey of life.  This applies to all areas of your life; Career, Business, Relationship, Health, Spiritual etc. When you ask empowering questions in any particular area of your life it unlocks your potentials, creativity, innovation etc.

Hence in the Winning with money series; I would like to share with you 5 empowering personal finance questions you do should to ask yourself if you desire to achieve financial independence, confidence and freedom.


Answering these questions may lead to new discoveries and enable you to make or review your money or personal finance decisions with the aim of achieving any financial set goals you have made. Answering these questions could open your eyes to know what you need to do to improve your financial life to achieve confidence, independence and freedom.

Do you have a loan or credit card debt ?       

For you to have a healthy financial life, your net worth should be in the POSITIVE i.e.  What you owe is less than what you own must be positive. If you find this skewed in the opposite direction; then it might be because of loans and credit card debt. (If you have watched my video 3 Never to Do with Money).The use of debt to fund your lifestyle should not be encouraged so STOP.  If the answer to this question is yes; the first step to do is to decide to eliminate the loans/credit to at least achieve a break even position in your net worth.

Do you have a personal budget?         

Does the word “BUDGET” send shivers to your body? If it does; you are not the only one. There is a myth on budget that it is technical term that requires some technical knowledge own to be able to have one. It is not truth. Budget is simply giving your money (every penny) an assignment. It is a managing or control tool. You simply prepare a plan for the week/month/quarter/year as you are most comfortable with, of how you spend your money. Assign every penny you earn.

How much do you know about investment?     

Are you investing? If you are not investing then, how are you multiplying your money? Answering this question will make you to realise that you need to start or continue investing to attain financial success. You can determine and afford the lifestyle you desire just by earning the income to support it.

Have thought of saving for Retirement?

That is one question that you need to take care of as early as possible in your working life. Planning for retirement is usually left to the end of many people’s work life. At this time it is challenging and the effort required would be doubled that which would have been put in if it was earlier on in your working life. Waiting till later puts so much pressure on you that may ultimately impact on your health or enthusiasm to life.

Do you have an emergency fund?

Everybody should have an emergency fund. This is an ingredient in the recipe for financial success. This is a fund set aside for the rainy day, when the unplanned or unforeseen happens and this requires spending eg when that car develops a major fault that you did not have a warning or someone in the family falls sick or dies and a funeral spending has to take place. The emergency happens to all. It is not IF but WHEN it’s going to happen. So when it happens, what do you? Who do you go to for the needed fund? Bank (for loan), Credit Card Company or family and friends that are planning their finances (hence have extra to lend you). The ancient book says the “The Borrower is the slave to the Lender”

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Continue reading “5 Money Questions To ASK Each Day”

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This is the best season of your life when you the freedom to do as you like with your money. Freedom to spend,save,invest, protect and control.

  1. Get Emergency Fund saved in an account,

  2. START Investing now  and 

  3. Have a Retirement plan and stick to it

CLICK HERE FOR THE DETAILED INFORMATION ON THE 3 MOVES FOR THE 20’S

Discover How the Wealthy Spend Smartly and Remain Rich

Discover how to spend smartly and still be reach.
HOW TO BE PRUDENT BUT NOT STINGY_

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Becoming and remaining wealthy is not just about earning so much but its actually about managing and controlling your money. The major part of managing your money is controlling your spend.

You can spend smartly living the life you desire without going broke if you know how to do it.  Most employees work 5 days and spend for 7 days every week..

Do you know the Cost of Spending?
What is it cost per hour? Weekly/7
YOU WORK/EARN 5 DAYS AND SPEND 7 DAYS .

Your earning per hour is  your  weekly earning  divided by 7 days  divided by the number of hours worked in a week. For full explanation of this watch the video in the link below.


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3 Benefits of  Pension People Miss Out On

So many employees and self-employed people do not pay attention to how their financial future will be. Can you tell me how your financial future will be like when you do not have the strength to do as much as you are doing now. People are so engrossed in the past and present while failing to pay more attention to the future; the time you might not be able to work or you attain the age of retirement. How well you have prepared for the time now determines the quality of life you live . What does the future hold for you financially? This is a question many people do not want to ask for either fear of what to discover( lack of preparedness or thoughts that the future is a far away time). For any of the reason, you have to come to terms with reality. Below I share 3 sure benefits to get from pension scheme participation. A lot of people miss out on this unfortunately.

Guaranteed More Money From Your Employer

A sure means to get a top up on your earnings/income because employers always have a percentage contribution to the scheme if you participate in the scheme. The government also encourages employers to do this, Participating or contributing to your company’s pension scheme is a sure way to get paid more from your employers. Most, if not all the scheme have the employers contribute to it based on your contribution. There is o way you can get that money from your employer if you do not participate or contribute to your company/employer’s pension scheme.

Guaranteed Tax refund from Government

All your contribution to the pension scheme is tax-free. The government refunds the tax deducted on the portion / amount you are contributing to the pension scheme. This is the way the government encourages or inspire employees to register and contribute to their companies’ pension schemes. This is a sure means of getting money from the government. E.g. if you contribute £100 to your company’s pension scheme and your income tax rate is 20 %( i.e Tax you pay on your wages/salary) ; the money that is effectively invested in the pension scheme is 120 i.e. 100 plus 20% (20) = 120 not 100 deducted from your wages/salaries.

Guaranteed Retirement Income

Contributing to your employer/company’s pension scheme is a making future plans for retirement income. More than 70% of people end up little or no plan for retirement, hence you find that when people retire they have to make a downward adjustment in lifestyle to be able to afford it. This affects the quality of their lives because little or no plan has been made for retirement. Contributing to the pension scheme is an indication that you have plan for that future hence you design that future life you want.

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3 MONEY PITFALLS TO AVOID

I am very excited to share these major mistakes people make with money. 3 MISTAKES TO AVOID IF YOU WANT TO WIN WITH MONEY These are pitfalls you must avoid in order to enjoy financial peace or freedom in life.

  1. Don’t Spend More Than You Earn  

    One of the major money mistakes we all make is this one and it is so easy with the era at which debt is sold to all in credit cards, high street shop cards, loans, etc If you are not conscious of this you will find yourself spending more. It’s a major  error to take you into poverty and indebtedness.        WATCH VIDEO OF THE ARTICLE

  2. Don’t Fund Your Life Style With Debt

    Have heard of the saying that the borrower is  a slave to the lender. This is so true. When you are in debt , you have lost control of your money decision because the lender dictates . Regardless of your needs or wants ; the debt is what you have as top priority to settle.  STOP keeping up with the Joneses STOP trying to appear rich when you are not rich. Get a grip of your financial life, You can not have financial peace in life if you fund your life with debt. When you are in this habit, you are unlikely to think of your financially future and if care is not taken you end up being broke if not bankrupt some day.

  3. Don’t Go Shopping When Hungry

 Going shopping when hungry is a recipe for money mistakes. When you are hungry and shopping; you may find yourself buying more and items you do not need . Also when you are in this state you may never buy what you really want to buy because you want to rush off and end up making wrong choices and spending your hard-earned money just because you are hungry. Never go shopping when hungry.

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