Financial Issues – How You Can Become Debt Free, Part 1.

  

We now live in a world where you are constantly assailed with a lot of advertisement, (mostly subtle), where you are surrounded by a plethora of consumer goods and items that appeal to the ego, where you are encouraged to hold plastic credit cards that offer the illusion of instant cash access, where you are required (at times by regulation) to carry debit cards even on saving accounts.
The ultimate effect of all the above on the unwary is a gradual descent into debt, often a lot of debt that way outstrips income. And the capitalist financial doctrine is very unforgiving to a debtor – personal, corporate or national!
By careful choice I have been able to avoid the pitfall of dibilitating debt, despite the fact that I have been a successful business entrepreneur since January 1990 (privileged to grow a business from scratch, employing scores of professionals to boot, without ever failing to meet commitments and more importantly without debt!)
So, I can confirm from personal experience that living a fulfilling, debt free life is possible. And so can you!!!
Also, I need you to know that since 1997 I have carried, and continue to carry credit cards denominated in British pounds sterling and American dollars; and of course, Naira debit cards. Despite these ‘traps’, I can still confirm that a fulfilling life, free of debilitating debt is possible!
If you permit, in this series, I would like to share with you tips that continue to work for me.
But before then, let me share with you an experience I had with my mother (now of blessed memory) in 1982. I was an undergraduate then, the first in fact in my family (nuclear and extended), so I had this attitude of entitlement. For those who remember that period, it was a season where Caudroy trousers was the must get for guys. (If not, don’t worry you missed nothing major!)
Long story short – I needed one and asked my Mum for it. She promised to get me one. And because I knew her never to go back on her word, it was settled in my mind. Or was it? Days became weeks that became months and no pair of Caudroy pants! Can’t she see that I stuck out as a sore thumb among my friends? I tried every trick in my arsenal – constant reminders, grumpy, rude mannerisms, subtle and obvious emotional blackmail, ‘hunger strike’ when she wasn’t looking etc. Still, no dice! 
Was I frustrated! And boy, did I show it… She plainly ignored me. And I couldn’t protest to my Dad! Why do you reckon I didn’t approach the Head Master in the first place for my pair of Coudroys?
After a while Caudroy trousers faded in fashion and Denim jeans came on board. Of course my friends moved on to these new items of choice. Then my Mum bought me two (not one) pairs of Caudroy trousers!!! I mean, who does that?

My reaction? You guessed right!
I was least pleased, and contrary to my home training refused to say ‘thank you’! And I made my feelings known! I mean, what for? Who wears these things anymore? You wouldn’t catch me dead going to FAZE 2 (a popular lounge proximate to the University of Lagos, Akoka where boys had fun) in these trousers – not any more! 
And then she dropped the bombshell – IF AFTER THIS LESSON YOU STILL FOLLOW THE CROWD TO ACQUIRE ALL MANNER OF STUFF THAT ARE HERE NOW AND GONE SOON, YOU WILL FIND IT HARD TO SAVE AND REALLY BE FINANCIALLY FREE!
Viola! I got the lesson, prostrated my apologies and thanks as trained and began to enjoy my largesse! Funny thing though, I thoroughly rocked those trousers, and even my Jeans wearing friends made a detour to their Coudroys once in a while! (Don’t ask me what I did in them – wouldn’t even tell you!)
Let us end it here for now. In part 2, I shall take you on a journey of how to live through this season of ‘free’ credit and remain debt free. Part 3 will deal with how to get yourself out of a debt hole you may have fallen into.
It is my wish that you succeed and prosper this year more than before. If you think I may be of any help, please get in touch with me. We will share our experience and help you with tips.  
My contact details are below:
salvationhouse@gmail.com or +2348098445165. You can also like our FaceBook pages – SalvationHouse and Adewale Adeniji_Nation, Heritage, Self – to get regular tips on life issues and success. 
Now go and achieve!!! I love for you to succeed! 
Copyright emphasized. 

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SHM REFLECTIONS_Time.

TIME is man’s most precious resource because it is LIMITED. We can produce more wealth, but we cannot produce more time. Each person has just 24 hours per day, for each lifetime. 

When we give someone our time, we actually give a portion of our life that we can never recoup . Your time is your life! It therefore follows that we must spend this resource wisely. To spend time unwisely is therefore to short-change oneself. We want to recommend two primary, profitable ways to spend time.

 

First, the best present that you can give to your family is your time. Re-arrange that busy schedule, to spend quality time with them. Trust me, once you lose that family connection, nothing can adequately bridge the void; not even all the wealth in your world.

 

Second, spend quality time developing and horning your skills and proficiencies. Remember the 10,000 hours principle. It takes a man at least that amount of time to become proficient in any endeavor. Invest your time in getting ahead of any competition by tarring in the place of idea generation and activation! Do you even have a time set aside for conceptualization? If not, carve one out today; and stick to it.
Do not (repeat, do not) let anyone steal your time – for productivity and family life. These two circles will ultimately determine your quality of life! Spend your time wisely my friends.
Now, go out and impact your world! 
You shall excel IJMN! We love you!

@SalvationHouse Tweet

@SalvationHouse Tweet: Spirituality is not an excuse for mediocrity. Get needed skills, add value; set yourself up for promotion! You shall excel IJMN. #prosper 

SHM BUSINESS TIPS_31/07/2014.

• Getting better at what you do brings you the best results.
• Remember the law of time perspective. You have to spend long hours becoming the best you can be on your job, business or craft.
• Avoid the trap of repeating the same mistakes.
• Remember the Pareto principle, and maximize your most productive hours.
• Knowledgeable preparation is everything.
• Your success is a product of you. Very important you like yourself and what you do each day.
• Excuses are best avoided by creating circumstances that reduce the possibility of failure.
• You are not a machine, so remover to observe your down time. Rest is an important component of success. Recharge your batteries regularly, otherwise success will be flat.
• Remember, you are a city set upon the hills; so prepare adequately to radiate the glory of The Lord in your business dealings.
• No matter what, remember WINNERS NEVER CHEAT, EVEN IN TOUGH TIMES!

You shall excel IJMN. We love you!

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SHM BUSINESS TIPS.

Weak values create poverty, misery and limits a man’s potentials in life. What type of value system do you have, what manner of values do you permit to govern your personal and business dealings?

Know this dear friend, there are no short cuts to success. There is always a price to pay to be celebrated. #JesusChrist paid His at Calvary.

You too have to pay yours through a life of honest dealings and diligent study in preparation for that break that inevitably comes the way of everybody at one time or the other.

Never forget that preparation + opportunity = success! You shall excel IJMN. We love you! #SHM

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