Smart Money Moves Part II

Smart Money Moves Part II

At the beginning of this year I wrote a post called ‘Smart Money Moves 2018,’ which was focused on providing tips and advice on how to make better financial decisions for a healthier cash flow throughout 2018.

Making smart financial decisions is extremely important as it can help us reach our financial goals, but these decisions can be very hard to execute and of course stick to. Having good financial etiquette and practices can be the difference between creating wealth and living from salary to salary.

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Why are you running?

Why are you running?

Is it me or do you also feel pressure to be successful or achieve a certain amount of things before you reach a particular age? Sometimes I feel like I am running and I really do not know why.

With social media and the constant comparison bubble that a lot of people live in, it seems that more and more people are running to ‘secure the bag.’ There is nothing wrong with having dreams, goals and aspirations but I think that if we are constantly running instead of striding then the following might happen:

  • We may miss blessings and/or opportunities
  • We may run and stumble in to problems that we did not plan/prepare for
  • We may not understand or even miss important lessons because we did not take time to enjoy the journey

I think that to truly be successful and achieve the goals that you have set for yourself, you need to understand that it will take time and it may not always happen as fast as you want it to. Hard-work, planning and consistency are just some of the main ingredients that are needed. These factors take time to build, develop and nurture. So take time.

If you are running make sure that you are not doing it for the benefit of others. As I wrote last week we are all in individual lanes and should avoid comparison at all costs. Just because your neighbour may be running does not mean that you should join them. Be great, but be great at your own standards.


(this is how a lot of people live their lives, running to compete against others when they should be focusing on themselves)

As a person who has so many ideas and wants to achieve so much I thought I could do a lot of things all at once. But after long reflection (including speaking to a range of people) I realised that I did not want to be a ‘jack of all trades and a master of none.’ I want to be able to position myself as an expert in one (or maybe two) particular fields. I know that this will take a lot of time, effort, dedication, consistency and much more. But I am ready for the journey. I am no longer prepared to run because I was in a hurry. I don’t want to run into hurdles when I could stride (being prepared) in to them.

I know that we can all stride, take time and still be great.

As I believe and repeat to myself everyday: preparation (+self-belief) + opportunity = success

So this year are you running or are you striding?


Comparison or Contentment?

Comparison or Contentment?

Theodore Roosevelt once said that ‘comparison is the thief of joy’ and I really think he hit the nail on the head with this one.

Comparison, according to our dear friend google, is described as ‘a consideration or estimate of the similarities or dissimilarities between two things or people.’ Essentially meaning to compare how similar or how different you are to others.

One of the problems with the information and social media age that we currently live in is that, it is extremely difficult to avoid comparison. Even if we don’t want to know what others are up to we will somehow find out. It’s always in our face.

So we get stuck in this trap of comparing ourselves to others especially when we see them doing things that we wanted to do or could have done but fear and/or a lack of confidence stopped us.

Over-indulgence in comparison can lead us to create imaginary benchmarks in our heads where we measure our own successes and shortcomings against those around us and even worse those in popular culture. Before you know it you are competing with people you don’t even know!

But do you know how crazy it is to compare yourself to people who most likely had a different starting point to you?

See once you begin comparing yourself to others and letting those thoughts manifest in your mind and heart, you begin to feel frustrated and discontent with life causing yourself unnecessary torment. Comparison robs us of precious time. The same time and energy that you could have invested in yourself and your goals.

Although comparison can be positive especially if it brings on a desire to achieve and further develop yourself. Just as a business analyses the external environment to spot opportunities in the market that aid in development and innovation, you may decide to do the same with your own external environment.

So how do we avoid ‘negative’ comparison? Below are my top 5 tips

  1. Focus on yourself – not as simple as it sounds, I know. But it is so important to focus on your own journey and remember that you are running in your own lane and not competing against others
  2. Remind yourself of your achievements and why you are remarkable (because we all are!). Whether you prefer to speak positive affirmations out loud or stick post-it notes around your bedroom, you have to be your own biggest cheerleader!
  3. Develop an attitude of gratitude. Try a gratitude jar – where you write things you are grateful/thankful for on a small piece of paper and store it away in this jar (on a daily basis)
  4. Find inspiration through comparison e.g. if she/he can do it, then so can I!
  5. Learn to be content with your yourself, your progress, your journey and the unknown

Remember that you are your own worst enemy and the only thing stopping you from being the best version of yourself is yourself.

So will you let comparison steal your joy, your strengths and your success or will you reclaim what’s yours?


The Power of Networking

The Power of Networking

For me 2017 was a year of learning and growing and one of the many things that I learnt is how powerful networking can be.

Networking is described as the process of “interacting with others to exchange information and develop professional or social contacts.”

Sounds simple doesn’t it? But the truth is that many of us do not know how to network. In my opinion, to effectively network, one needs to have a purpose in mind. Ask yourself the following questions:

Continue reading “The Power of Networking”

Can you step outside of your comfort zone?

Can you step outside of your comfort zone?

What is a comfort zone?

“A behavioural and/or psychological state where activities and behaviours fit a routine and pattern that minimises stress and risk.”

Within this state people generally feel at ease and in control of their environment, it is essentially a place of security and comfortability.

Continue reading “Can you step outside of your comfort zone?”

23 things I have learnt in my 23 years

23 things I have learnt in my 23 years

I wanted to share with you all 23 things that I have learnt during my 23 years of life through past and current experiences. Enjoy.

  1. Every individual has a God given purpose and it is up to us to discover our purpose and use all of our resources to fulfil it

2. Embrace your strengths and turn your weaknesses in to lessons

3. It is important to be who you are unapologetically and do not allow others to make you feel that you need to be less of who you are (especially because it suits them)

4. We should never stop learning – as Napoleon Hill said “the person who stops studying merely because he has finished school is forever hopelessly doomed to mediocrity”

5. Work smart and work hard

6. Failure is nothing more than the lessons that we use to propel ourselves to the next level of growth

7. Fear is false evidence appearing real

8. Use the ammunition of “fear” and “failure” to achieve your dreams

9. Preparation + opportunity = success

10. Have ambitious (not mediocre) goals and smash them

11. Make time for yourself and know that it is ok be selfish with your time when it comes to achieving your goals

12. Have specialised, rather than generalised, knowledge in your field

13. We do not need fair-weather friends

14. Expand your network and surround yourself with likeminded people

15. Give because you can not because you want something in return

16. Be of service to others and provide value

17. Have an understanding of the economical and political climate of the country that you reside in so you can navigate yourself effectively

18. Healthy and prosperous finances are only possible with smart money moves

19. Make better decisions when it comes to your health and fitness – you’ll live longer 🙂

20. Only you can decide to be happy, nobody else controls your happiness

21. There is power in declaring things out loud and truly believing that they will come to pass

22. Prayer is everything

23. “Be the change you wish to see in the world” – Mahatma Gandhi

I hope that sharing this has made you reflect on some of the most important things that you have learnt throughout your life. Remember that every lesson learnt provides an opportunity to be a better person – as Dan Lok said “hell on earth is meeting the man or woman you could have been.” – find the link to his tedx talk here





It starts in the mind…

It starts in the mind…

At the start of every New Year a lot of people start the year by setting New Year resolutions/goals.

But research has suggested that around 80% of resolutions fail by the second week of February. Most shockingly a study conducted by Strava (the social network for athletes) identified the second friday in January as “quitters day” suggesting that this was the day where motivation began to diminish.

Psychologists believe that one of the biggest contributors to this is the “internal battle between doing what you want to do and what you should do.” In other words it starts in the mind. Our minds are one of the most powerful tools we have as individuals and I believe how we control it can determine the course of our lives.

Why is our mind such a powerful asset?

Because ultimately how we think dictates our behaviours. I believe that the reason why 80% of resolutions fail is because people have not trained their minds and their thought processes. And because of this they allow a lack of confidence, otherwise known as self-doubt, to prevail in their mind.

If I constantly tell myself I am not capable of doing something, I most likely will not be capable because I no longer have the motivation or right attitude to do it. As Napoleon Hill said, “Our only limitations are those we set up in our own minds.”

It starts in the mind.

Once we really understand how powerful our mind and consequently our thoughts are, then we will have the foundation and in due course the capability to reach whatever goal or resolution we have set ourselves. But it isn’t just enough to have confidence, you have to really apply yourself to whatever you want to achieve. And I mean really apply yourself.

When I first started my fitness journey I absolutely hated running and I would tell myself I couldn’t do it before I had even tried, but once I changed my thoughts, the change in my behaviour followed and before I knew it, I loved running.

Only we as individuals have the power to change our thoughts, feelings and attitudes. But how can we do this? I think the answer is in self-awareness. When we truly understand ourselves we can then work to proactively manage our thoughts, emotions and behaviours.

So lets hit the ground running. Whether it takes you 6 weeks or 6 months, lets be the 20% of people that do achieve their yearly goals/resolutions.

2018 is the year of confidence and self belief. Its time to stop being your own worst enemy. Lets be more than just average because as we all know it starts in the mind.