HEALTHY FINANCES (PART 2)

For those of you who took out time to read the first part of this piece, thanks a million. And for those of you who did me the honours and made comments concerning it, thanks a zillion. It really made my day to know that the article was able to be of immense help to someone. In this second part of HEALTHY FINANCES, I want us to briefly look at the issue of setting aside a little from what we earn either periodically or occasionally for what is usually termed "the rainy day". 

I was in elementary school when I first started this habit of putting money aside for times that I felt it could come in handy. Am not really sure who taught me the concept at that tender age but am quite sure I didn't learn it in school because we were never taught money matters then. And I doubt if they've started teaching money matters in our elementary schools at present. Which is quite a shame, really, because such an education could go a very long way to help many students as they gradually ease their way through elementary and secondary schools as well as universities or any other higher tertiary institutions they may find themselves in over time. I recall always setting aside the shiny kobo coins from the not-too-shiny or clean ones that our father used to give to us every day for school lunch. In some days, if all the coins were shiny, I would ignore lunch and just put the coins away into a small basket that my stepmother had made available for me. Then, from time to time, when I felt like it, I would take a little out of my saving basket and declare a special lunch spree for my close friends then during recess. Or I'd buy a special book, toy or any other thing I'd been eyeing for a while. Nonetheless, the spirit of my childhood always eventually overcame that of a lack of maturity and before I knew it all my well saved money would be gone by the holiday season. And I would have to start all over again!!!!

I have briefly shared this experience because of something it has taught me. One, for you to be able to handle a rainy day, you need to have money saved somewhere. Two, you can't have money saved somewhere unless you PLAN TO DO SO. To have healthy finances you must be strategic in your thinking and handling of your money. Strategic thinking helps you to know where you stand financially; it helps you to know where you want to go financially; it helps you to know how you intend on getting there; and, hopefully, should show you the steps you can take to eventually get there. Strategic financial thinking is the one big missing part of most of our decisions concerning our finances. We mostly think that all we need to do is wake up one morning, make a simple decision and all will be well. Not so. We must be more certain than that. And taking stock of our true financial state is always the best way to start. Once we've identified that, we must also identify how we want to improve our finances. And one very key way is the setting aside of a little of what we already have so that we do not spend all we have at once. It can be painful and agonizing but you must commit to it (remember Part 1 of this piece) because it's the only way.

Commit to putting aside a certain percentage of whatever income you may have per time and practice the habit of ignoring whatever is set aside. As much as possible, try to apply the 30/70 Principle, where you save and invest 30% of your income and then spend (not waste) the remaining 70%. As a suggestion, half of the 30% you save can be used for investments no matter how small while the rest stay as savings or as your EMERGENCY FUND. 

Listen, no matter how much money you may be making as a business owner or salary earner, if you don't learn and practice saving, you will not like your financial state months or years down the line. Strategic financial thinking demands it for you to gradually walk yourself into a healthy financial state. 

I'll be seeing you in 2014. But for now, do kindly take out some time to pause and ponder on this.

THE GOOD BOSS

Quite a number of us want to be bosses; bosses of our own personal businesses or bosses over a set of people wherever we may be working for our monthly stipends. And there's nothing overtly wrong with that. But being a boss in whatever capacity means we will be at the head of someone or a set of people, people who need to carry out certain instructions of ours to ensure that our business, office or organisation makes progress. After all, you cannot be a boss if there's no one following you.

Being a boss or a manager entails that those following you must be led in the right direction. But being a good one entails more than that. While some may argue with some of the points I've listed below, it is worthy of note that they are tried and tested points and would give you and your organisation great mileage in the pursuit and accomplishment of the organisation's goals. 

And to achieve that, the people working with you really need to be treated as human beings with brains inside their heads. Don't I know that there are difficult employees with agenda that are often contrary to that of the boss and/or the organisation? Of course, I do. But before the mighty hand of hammering discipline finally descends on them, a good manager should take out time to do all he/she can and give them the very best of benefit of doubts; because not every employee is negatively predisposed to their working environment.

So, what mustn't a good boss do?

1. HE MUST NOT BE ARROGANT

When a boss constantly prevents his employees from getting ahead by always demeaning them all in an attempt to prove his own competence and superiority, it shows that he is an arrogant fellow. And if not checked, that could become a destructive element and force within the organisation as he now has power over employees' work assignments, promotion opportunities, and performance reviews.

2. HE MUST NOT BE UNCLEAR

An unclear boss is one who doles out confusing directives to his employees or those working under him. Such directives tend to leave the employees guessing as to what he really wants from them. And it can be really frustrating as well as they also become unsure of what to do, which in turn negatively impacts on the organisation's goals.

3. HE MUST NOT BE A MICRO-MANAGER

When a boss constantly interferes with an employees assignments or projects and is unwilling to allow the employee control over them, he is said to be a micro-manager. This style particularly passes across to the employee the impression that he or she doesn't really have the mental capacity or ability to do the work that was entrusted into their hands in the first place. And it can also really irritate. Why give me an assignment to do when you won't even allow me handle it my own way? What's the point?

4. HE MUST NOT HAVE UNREALISTIC DEMANDS

When you never give your employees sufficient time to complete whatever assignments or work that is given to them, that's being outright unrealistic. It puts undue pressure on their minds and will definitely affect their work. Mistakes can even ensue and thus have negative impacts on the goals of the organisation.

5. HE MUST NOT BE INSECURE

The boss who constantly tries to block the progress of staff because he doesn't want the skill of any employee to overshadow him is insecure. Such a boss is, in truth, a stumbling block of progress to the organisation himself as he definitely isn't the sole harbinger of knowledge and skills on the planet and so is preventing the organisation from benefiting from the gifts embedded inside others.

6. HE  MUST NOT LACK INTEREST

Almost similar to Number 5 above. This boss deliberately ignores the talent of his employees. And this makes it impossible for him to be able to get the best out of them because he doesn't really know the people working for him and doesn't take time to determine where they can excel based on their talents.

 

7. HE MUST NOT BE A SELECTIVE LISTENER

This kind of boss believes that all the answers are with him and that his staff do not have the adequate knowledge to contribute meaningfully to the project at hand. As a result, he rarely listens to what they have to say no matter how fantastic and profitable their ideas may be. Again, such an attitude is detrimental to the progress of the organisation and he would be doing it a whole world of good by changing that attitude.

8. HE MUST NOT BE UNDULY PROACTIVE

Again, when a boss feels that only his skills are good enough and are able to save time that will ensure that the job is done quicker, he is said to be unduly proactive. Such an attitude prevents the employees from learning how to solve problems on their own. It does not allow them to be adventurous and proactive in their own thinking but instead makes them feel like robots that are only there to do a certain bidding. It is an attitude that is always discountenancing the intellect and abilities of the staff. This is also detrimental to the progress and growth of an organisation.

9. HE MUST NOT BE SELF-SERVING

A boss who is self-serving is one who likes to take all the credit and will never allow his employees or staff gain the recognition they deserve for successful assignments or projects. He is purposely preventing employees from advancing in the organisation, possibly because he feels threatened or simply because he has an ego problem. Either way, it is detrimental to the organisation regardless of the level of accolades he manipulates himself into.

To be a good boss, the aforementioned above are very key. And we all need to heed them, whether we are in charge of offices, companies, our personal businesses, a small or large group of people, shops, restaurants, airlines, etc.

It is very important that we take out some time to pause and ponder on these...

COMING SOON...

CLUB GREED...

At one point or another, we all have belonged to this club called CLUB GREED. In fact, it's an endemic human problem. Some of us have been there many times, some are about entering it, while quite a handful find it worrisome and difficult to get out of it. It's the special club for special people with a universal qualification and appeal... All you need to join is just to simply have a CRAVING FOR MORE!!!

Now, you're asking..."Is it wrong to want more?"

The answer is no, it isn't. If my clothes get old, I'd surely like to have them changed. If my family increases in number and the house we are staying in obviously becomes too small to handle our increase, I'd surely like to get everyone into a bigger place. But it is wrong to always want more on the basis of just trying to prove a point to others as proof of God-knows-what.

Greed is defined as, "an excessive desire to acquire or possess more than what one needs or deserves." It is also defined as, "an intense and selfish desire for something, especially wealth, power or food." Wikipedia says that, "The purpose for greed, and any actions associated with it, is possibly to deprive others of potential means or future opportunities or to obstruct them therefrom, as a measure of enhanced competitive advantage."

We all have been greedy at one time or another. In fact, some of us still are and are even ever more  willing to defend our desire for more and more with as many superlative logic as is possible. For us, it is not bad because it is human nature. Yet we fail to see the real driving force behind this desire. Our intense eagerness to always have it all or to have it more than the other person isn't necessarily because we need extra stuff, but because we want to show that we are in a different class than others. It is that desire that drives men to steal what doesn't belong to them, or usurp power that they are not meant to have, or push their wives into becoming baby-making machines so that the world would see that they are "real men" even when they don't have the capacity to take care of them, or makes the unmarried desire to pry away from the married their spouse, etc, etc. 

You get the picture.

Greed isn't just about money. Many want power and positions they don't deserve. Many want podiums they aren't qualified to mount. Many seek so much material stuff that they don't even have enough space or room to store. Many want to be like people they were never designed to be. Many want to show the other person "who they are" or what they assume they are capable of doing or being. Many would rather frustrate the life of another just because they believe they are better than that person.

Greed is the source of wars, manipulations, victimizations, murders, envies, hatred, despots, lies, betrayals, frauds, thefts, hijackings, kidnappings, brutalities, fights, gangs, cults, dupes, the chase of degrees and certificates that we in truth don't need in this lifetime, unwholesome acquisitions, etc, etc. Greed is a bottomless pit that will always threaten to swallow us up except we get to our senses and realize that it really isn't worth all the fuss.

The solution for greed is contentment per time. Yes, it's a heavy word for our ears, I know, and may even look like an impossible platform to attain; but it is a very real and possible and most ideal place we all should be per time. The man or woman that is truly content will never be under any pressure because, in truth, we can NEVER have everything. New things will always appear on the scene and new opportunities will always manifest from time to time, but not every new thing or opportunity can be ours...there are others out there too.

While greed is fueled by selfishness, contentment is fueled by selflessness and the understanding that with time my capacity will naturally (and not forcefully) increase and that when that time comes I will be in a more qualified position or state of mind to handle the next big thing.

We all need to sincerely check ourselves and be sure of where we stand because this place called CLUB GREED is where too much evil lies and resides.

We should pause for a moment and ponder on this...

I'M NOT CHEAP!!!!!!

I got this title off my dear friend, Nneka Ugwu, who made a very short, precise and succinct point on her Facebook page days ago. And it kept on resonating in my spirit with some thoughts I've had for quite a while. It kept tugging at certain questions on my mind...

Why do I opt for suicide instead of finding a way out, even if it means pushing myself beyond my limits? Why do I feel intimidated by colleagues at work who may possess certain educational certificates more than I do? Why am I afraid of what others may or could say about me simply because I don't (yet) have what they do...a house, car, "good" job or business, a good husband or wife, and so on? Why do I constantly allow people to push me around based on my lack of certain "achievements"? Why do I allow myself to be caged or locked up in a box? Why do I allow myself to either be a negative talking point or a constant laughing stock?

The answer is really pretty easy actually...I don't see value in myself and so allow others to treat me like I really have no value!

Yet, in truth, I am very valuable! And I am surrounded by greatness because of what I possess! That I do not presently notice it or realize it does not make it any different. Listen, everyone of us carry something valuable. We all carry something unique. In fact, it is because we are individually different that we are all valuable. No one can be like you and if the other person carries something of value, my friend....so do you!

The fact that you may seem inconsequential to others does not mean that you're not valuable. In fact, your own ability to notice your own value far outweighs whatever anyone else may think. It's simply a thought they carry about you, not what they  know about you.

Your value isn't measured by what people say about you but by what level of your mind you've been able to mine out. Yes, your mind carries so much good stuff that it'll amaze you what you can accomplish with it. Your mind has a capacity that cannot be measured by anyone yet can be positively expressed by you from time to time. No one can measure the quality of your mind but they certainly cannot deny the expressions of quality it exudes when you take out quality time yourself to work it and mine it for yourself.

The quality of your mind is actually the quality of your life! And I'm not just talking of going to school only; that is very important, yes. But beyond school, your ability to exercise your mind to the point where it begins to offload certain virtues for you is the greatest good you can ever do for yourself. If it were only about going to school, I can personally name a few Masters holders or professors that I know whose line of thinking will literally push you into horror mode!

The life we live here on earth is all about being able to give and receive value. And that value resides inside our minds. The day people begin to perceive and see the value you carry, whatever initial thoughts of disrespect they were harbouring before can be turned around. Besides, people will always pay for good value, and if you're the one carrying it you're sure you'll get paid for your brilliant mind!

You are not cheap...so stop feeling unduly sorry for yourself and instead make a commitment to get out of your present predicament. And you can do so too. But you must first of all realize your own uniqueness and try to mine out the value you carry.

I have said my own. The question for you now is this.....Are you cheap?

You really should take out some time to pause and ponder on this for a while.

PROVE THEM WRONG!!!

Everybody has an opinion....

About what they think is proper or improper; about who the best footballer on the planet is; about who the best actors or actresses in the world are; about what they consider is the best car in the world; or the best way to dress; or the best TV show on cable network; or the best colour or colour combinations; or the best features a husband or wife must have; or what a perfect gentleman or lady should look like; or what the perfect job or business must contain to make them worthwhile. The list, in truth, is awesomely endless.

And there's nothing you can do about people's opinion. 

But what do you do when people carry opinions about you that you know aren't at all correct, right or even true? Especially when they tend to affect your relationship with others, be they individuals, a group or even an organisation? 

In my own opinion (now I am laughing), you need to prove them wrong!!!!

By proving them wrong, I am not asking you to spill your blood so that they will see that you aren't what they profess you may be. You may need to spill some blood but that is only if there is a necessity for that. You must understand that everyone's position on any matter is simply a matter of perception, and their perceptions is what drives their reality. And for as long as their perceptions remain, so will their reality and so will their view concerning you. If it must change, you have to do something to change their perceptions.  You need to provide certain proofs that you're not what they say you are, that you're more than they think you're worth. 

Sometimes, even after you've delivered enough proofs to change such perceptions, some people will still deliberately refuse to change their views. But it really doesn't matter much because I've come to realise that the best way to answer critics is to simply improve yourself and deliver very well on an expectation.

If I say am good at something and someone else disagrees, what do I do? I simply deliver on what I say am good at. If I say I can cook and you disagree, all I need to do is deliver a very good meal cooked inside my own kitchen by me. If I say I can dance and you disagree, all I need to do is show you my moves. If I say I can administer an office or lead a people and you disagree, all I need to do is show my prowess administering the small office or leading the small group of people I may have the privilege of being in charge of. And for me, the proof of the pudding must be in the eating as I must do all of them very well to the point where there will no longer be any arguments.

So, learn and improve yourself.

This line of thought reminds me of my teenage years back in college. Being a football enthusiast and also one who believed in the little skills I had been blessed with, I so much wanted to play for the college football team. I dreamed of donning the team's jersey and never failed to always talk about it to everyone who cared to listen. I was sure I could be one of the stars of the junior team and eventually go on to also be a star of the senior team as well. However, one fateful day, a member of the football team whom I even thought was a friend, seriously castigated me and declared publicly that I could never make that team when all I could even offer was akin to nursery school football!

I was laughed at, teased and insulted and I lost hope. I stopped going for training and always hid away from the boys because I didn't want all that embarrassment they always gave me. And that was despite the fact that I knew I could play football.

It took another friend of mine to jolt me back into reality. He simply told me that it was their opinion and not the reality; but that it would be my reality if I let their opinion rule. He told me to just up my game and improve in the areas that I was deficient in. I had to take my time to rebuild my game. Weeks later I was back in training and still being teased. Months later I was actually in that team and even benched the very person who made those insulting comments about me! And guess what, he never got his place in the team back because a better player (me..that is) had shown up! 

If you won't believe my own story, then believe that of Juan Mata of Chelsea FC! He temporarily lost his place in the squad but kept his head, learned what he should, discovered what he needed to do or improve in his game and his coach recalled him to the squad. In fact, even his national team coach also recalled him back into the side for the World Cup qualifiers.

People will always say what they want about you, but the rest is up to you.

Do kindly pause and ponder a bit on this....

DARE THE GIANTS!!!!!

This life is very intriguing, you know. It's a life filled with adventures, forgettable and unforgettable experiences, and with fulfilled and unfulfilled dreams.

Nobody can ever swear with certainty that they have a perfect life; no, not on this planet. An excellent life, maybe, but not perfect. And you know why? Because there are giants to overcome at different steps of the way of our lives and that's just how life is.

Whether we like it or not, we will always have different giants to face. Health challenges from time to time, challenges on the job, businesses to manage, people of different characters and dispensations to lead, bills to pay, enemies to face, obstacles against our many aspirations, etc. But we should not really be afraid about them because in truth giants still die!

So why do these giants despite their own vunerability always come against us? Here are the reasons:

1.   To oppress us

2.   To harass us

3.   To distress us

4.   To distract us.

And they, for sure, are certainly doing a very good job at it, especially when we give room to them. Every giant, though, is surmountable and can be brought down permanently to its knees. But for that to happen we all need to know and understand a few things...

If your giants must go down, you have to face them head-on

Every giant has its weak spot. Look for it and tackle it, just as that giant is looking for your weak spot to distress you. You cannot successfully confront your own giant without the help of proper knowledge that puts you in very good stead to take it down.

Guess what? Every giant is mostly there to announce you. There's no way after you defeat a giant that you won't come out famous in one way or another.

And the killing of one giant leads to the liberation of many other people. Once you succeed, others see your victory and then realise it is also possible for them. It brings great belief in them that they also can face and bring down the giants facing them.

We must learn to face those troubles that constantly stand before us and give us unnecessary headaches and pains otherwise we may never have relief from them. And no matter how big they are, they are very much beatable.

So, learn and practice daring your giants for you really have what it takes to bring them down. For in truth some giants really are not as strong as they seem on the outside but you never know until you face them.