Change begins with you

Our financial issues stem from our lack of discipline and poor behavior. Some of us are in a difficult situation due to our inability to control our impulses when we receive money. We tend to spend on unnecessary items, leading to liabilities. Knowing about personal finance does not necessarily lead to success.

When I was young, even before I knew anything about finance I had been saving when my mum gave me money or another person tip me, I would save this money somewhere, and most times, I didn't even know what to do with the money. I'm just saving because I know that any time I see something I love to buy, I will be able to afford it.

I had zero knowledge about finance, and my parents did not advise me about saving either I just knew that it was good to save so that I could buy things I liked, it got to a point when My mum started noticing me when she needed money for anything, she would ask me to borrow her money and she would return it and sometimes even add extra money to encourage me to save more.

Finance is just like a bad diet. When we are eating something bad, we know the things we are eating are bad for our health, but we can't stop because we are addicted to the sweet taste of most bad diet.

Just like in every other aspect of life, we might not be sure that we are wrong but we might always have a bad feeling about it and we just choose to continue only because we are enjoying it and there is a pleasure that comes with it.

If you are addicted to spending your money, your guts might tell you that if you cannot save up you might not have anything to retire with, but because you are already addicted to spending and how it makes you feel when you are spending, you did not stop.

As my mother always used to say, we often make up our minds about what we want to do long before we make any decisions. When it comes to financial education, many people know what they need to do to improve their financial status, but they choose not to follow through with it. Some individuals have access to full courses and support, yet they still choose to live their lives the way they want, ignoring the knowledge they possess. Despite knowing what is right, they do not take action because they simply want to fulfill their desires.

In one of my previous posts, I mentioned that When we are determined, we become an unstoppable force, and there is no limit to what we can achieve. The same goes when we are not interested in a particular thing. We don't always create efforts, we give so many excuses. it is not always about knowledge every change begins with us.

Your finance is up to you and everything else it's just a bonus.

Knowledge is compelling, and it gives us a hedge in making decisions and makes us see things differently. Still, the truth is when it comes to personal finance to change our situation, it's always down to us whether we are determined or not, whether we are ready to make the sacrifice and let go of the short-term pleasure because 80% of the reason why our finance is going down real bad depends on us if you are not ready to change even if you have the best teacher in the world won't make difference.