One thing that I have learned from people above the age of thirty is that they wish they had learned about finances earlier on in their lives.
I must say I am blessed that I am learning about finances in my twenties and when I get to thirty I will be telling a different story.
This is 2017 a year of possibilities and great achievements or that is what I hope for. After many years of making more than twenty new years resolutions and only achieving one I decided it was time to re-evaluate and make a change. The year 2016 went on swiftly and I had no resolutions as it was a waste of time to me. The only thing I wanted to do was to finish school. True to it I finished school and I had so much time on my hands. I have always been a person who is driven by having goals but I did not have any. That is when I decided to look into the “resolutions game” again. I looked at the problems I had faced in the year 2016 and decide that from that is where I would make goals for my next year.
After a long search I realised two things that really mattered, my weight and overall health and my finances. 2016 for me ended up being a year of weight gaining and being broke. How they say as poor as a church mouse, for me it was worse. I was living from nose to mouth and in debt. By the end of that year I was just done and I knew that I did not want to feel that way again.
Being a student the debts were from Mshwari and to increase my pool of getting more debt I joined KCB Mpesa. On top of that I joined all the betting sites to make some free money and called it investing for the poor man. Sadly all I gained I also lost. Betting is a bad habit unfortunately one learns a grave lesson after losing so much. I do not know it then but that was part of the reason I was always broke.
On the other hand was my weight. I had become a frequent customer of chicken inn, fast foods and junk. Last year was a year like no other the offers were so many. Eat more for less was the new policy and I was taking full advantage of it. We fat people love food and good food for that and when the craving kicks in personally I can spend all my money and this unfortunately added to my brokenness.
That was where my money was going. I now equate a better lifestyle with financial freedom. My plan is simple I have joined a chama and I have joined the 52 week money challenge ( goggle it in the internet and start). In addition I will reduce on junk and fast foods and walk distances that I would usually pay a boda boda or taxi just cos am lazy to walk. Lets call it killing two birds with one stone.
Are you facing the same challenge? What are you doing about it? Share and tell me all about it in the comment section below. Till next time.
Its never too late to start trying to archive financial freedom. My parting shot is
make realistic goals and aim to spend what you have rather than spend what you do not have.