There is no denying the fact that our finance is important and how we manage it speaks a lot about who we are and also about how far we can go.
Finance is really important and it speaks volume as to determine what you can achieve and not achieve. Not every money that comes into our hands has to be spent. Not every money is a bread, but a seed and when I mean a seed, I mean something to invest, to bring about a greater increase for you. If what you are to use as a seed is consumed as a bread, then such a person would be at the mercy of others because as an economist, resources are limited and our desires and wants are unlimited.
This post seeks to address how we can have a better understanding of how our finance works, so we can make good use of what comes into our hands. If we manage our cash flows well (what comes in and goes out), then we can plan our lives well and manage situations better.
STEPS TO FINANCIAL FREEDOM
SET FINANCIAL GOALS:
In the last post, I talked about the first point on how to set a working financial goal.
How do we set reasonable and working financial goals? We need to be S.S.M.A.R.T about it.
S - Specific:
Be specific. Specificity is needed in attaining financial independence or freedom. Be clear as to how much you want to set aside. Don’t just give a vague figure or round things up and say, ”By the end of this year, I want to have attained One Million Naira” (Nigerian local currency). As good and stretching as that sounds, you need to show how you will attain that figure. How much do you intend to set aside from your income? How many streams of income do you have? What are the things you have decided to do away with so you can achieve this set goal?
There was this joke shared at one time about a man with two cows. He said he gave God one and he owns the other. He didn’t tag his own cow nor tag God’s cow. He wasn’t specific as to which one is which. One day, one of the two cows stepped out and got hit by a cow. He looked up to the heavens and said, ”God that was your cow that got hit”.
Be specific as to what you want to achieve. It helps to push you more, anytime you are dragging. Give a specific amount to save and don’t forget it was earlier established that it must stretch you. Whatever your target is, be specific as to how to achieve it by how much you are keeping aside. Writing it down gives a constant reminder too, yo juggle our brain and keep us on our toes. Don’t forget, it requires commitment.
...to be continued...
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