No-one is going to make financial changes for you, it’s time to be serious with your money or time will just pass you by

2020 is one of the years which is just been flying by, we were in Ja-no-worry just like yesterday when we were busy with our vision boards. Now 6 months has just gone. My question to everyone is that, what have you achieved on your 2020 goals? Or you have the perfect excuse that the pandemic caught you unawares?

I was reflecting on my vision board and was proud of the progress l have made so far. I have even exceeded some of my targets. As I was reciting Habukuk 2 vs 2 – 3 which reads

“Then the Lord replied:

“Write down the revelation

 and make it plain on tablets

  so that a herald may run with it.

For the revelation awaits an appointed time;

 it speaks of the end

 and will not prove false.

Though it linger, wait for it;

 it will certainly come

 and will not delay.”

Whatever you want, write down and ensure that you do the necessary work towards getting it you will surely see the fruits of it. When I set some of the goals, I thought they were impossible to achieve. I have learnt that nothing is impossible if you put your mind into it.

I am going to share some few financial changes l chose to make:

  1. No spending year

This was the most difficult goal that l set for myself. I was a shopper naturally and a shoe addict at that. Having to write this one down and always remind myself every day that this year is a no spending year, I must not buy anything which is not on my watch list. It hasn’t been an easy thing to do. To win with your money goals you have to be financially disciplined, l am happy with my progress. Going to the mall has been the most tempting but I have managed to stick to my lists all the time. This financial change has made me realize a boost in my savings.

  1. Cutting on wants and non-essentials

On our new year’s financial date, my husband and l decided to cut down on wants and non – essentials. We defined 2020 as twenty plenty and the goal is to increase our savings and investments. In this regard, we had to make some little sacrifices for our dear future life.

  1. Valuing my minute

I have come to realize that time is more precious than money. Time lost will never be earned back, with money you can work for it. So, l chose to value my minute on income-generating tasks, if l am on social media, l go to productive groups and l choose to spend my time wisely. The idea with time is you get what you spend on it, if you spend your time doing nothing surely your results will be nothing. Time waits for no-one.

  1. Paving room for financial opportunities

Money is spiritual and it knows where it’s loved taken care of and where it’s treated carelessly. I chose to treat my money differently by taking care of every cent. By doing this I have attracted opportunities in my wallet. I get ideas and the ideas turn into money. By affirming that my hands are gold all ideas l think of turn into money, l have paved way for financial opportunities

It’s important to note that no-one will make financial changes for you, and making excuses will not help the situation either. It’s what you do and the goals you set in your finances to be able to see change. The financial change will only come when you make some changes to bad financial habits.

Half-year has gone what have you achieved on your financial goals?


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