When you look at your savings and accumulated debts you tend to look at them as forces controlling you. You look at it as totally impossible and difficult. You realize that you don’t pay yourself, you live paycheck to paycheck and always in debt and you are entirely confused about the whole thing. You can’t even give your life a direction financially and its affecting other areas of your life even causing you stress.
Instead of blaming yourself or others for the financial mistakes you have made, you can sit down and review where all the errors occurred and start reprogramming yourself for wealth creation. Look at where the lapses are, your expenses, debt, how you accumulated them and what to do to cut down this debt and expenses. How you need to cut down excesses and where you need to do that. How to pay off your debt in bits so it does not affect you financially. How to stop and block the excesses and delay gratification to achieve your financial goals. Being financially aware of where you are is the starting point and also the path to the next phase.
Your habits are either from your environment, family and friends. Think back to the past about the way your parents manage their finance and settling bills and they reacted to money issues and how they managed monetary. You will notice worry, anger, aggressiveness, fighting and others. How did it affect you? What did you learn? How hard did your parents work for their money and did they ever have the time? Is their money working for them? Were they always in debt and How did they manage their debt issues? With these reasonable questions, you will know where your inherited money habit and ideologies are from.
We must let go of the past and reproduce our future by reprogramming the habits and thinking pattern. Change the way you think about money. Change your beliefs of scarcity to abundance, from money grows on trees to how to how to create money. From working extremely hard for money to smart work and making money work for you while you are relaxed.


Once you realize you are managing your finance based on inherited habits you need to change the habits and adopt new ones. If you don’t change the habits you will struggle financially and your woes will continue. You will experience yourself retrogressing financially and stagnancy.
Change your beliefs and set money goals, create budget, knowing what is coming in and going out and how to save more money and free yourself from the bondage of paycheck to paycheck and start paying yourself and be free and live without worry.
Fear makes us live within our hereditary habits and be contented with it and where we are financially and live paycheck to paycheck. It keeps us between our limited beliefs and makes you accept your status-quo and beliefs nothing works. We are often faced with fears when opportunities to move to another level shows up. It surfaces with questions that enslaves and limits us and stops us from going after the opportunities which stagnates us. We see all the bad sides of the opportunities than the good we can enjoy and how it will change our lives. Fear keeps you from having good financial plan and goals giving us reasons they are worthless and limits you from making more money. Fear leaves you broke and struggling financially but you must be bold enough to take steps that liberate you from your limitation and become financially free.
You are responsible for your financial breakthrough. To start making more money, DECISION MAKING and COMMITMENT are very key to the next phase of your financial growth Think of abundance, more will come to you and you open the door to endless possibilities and attracting positive things to yourself. You must think of how to start side hustle and know more about it. Have good knowledge of investing and what to invest into and how to make money work for you.
Once you decide to start make more money, your mind opens to abundance and opportunities will surface. And chance to acquire new skills and grow and improve yourself to make more money surfaces too and you need to take quick actions. Spend more time on improving and growing your skills and block all loopholes and know everything you need to know about it and how to innovate and be creative and monetize it and make more money.


Where you are currently, is a function of the company you keep and where you will also be tomorrow. If you want to be successful, productive and efficient to a level, the company you keep has a part to play. make friends with people who possess the attributes that leads you to your desired destination. If you currently have friends who do not conform to your goals, get rid of them, or, at the very least, greatly reduce the amount of time you spend with them. It’s time you keep the right company that helps you grow in most areas of your life and support your goals. Networking with the right set of people can influence your promotion at work, get a new job, support and give you ideas for your side hustle.
Your improvement is built on the right friends you keep and they influence your choice and decision making most times.
Spending and keeping company with them helps you a lot in most part of your life and help you achieve your desired goal earlier than planned.
Make friends with the rich and hang- out with them. When you hang out with the rich you begin to believe that its possible to grow rich by changing your thoughts and erasing limiting beliefs and your words begin to change.
Appreciate the little you have, you will have more. Be thankful of what you have and the right people in your life, it attracts more blessings. Be thankful for sound health, safety, being alive and that which you expect. Being thankful open the doors of opportunity and abundance.




RAWLINGS BLOG is about finance, business, short-stories, technology, biography,motivation and personal development. email:Rawlingsunday@yahoo.com FB: Rawlings okpaloafe twitter:Rawlingsunday watsapp:+2347011832778
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  1. Great Post ! Useful Information .. Thank you for sharing

  2. tachiwi says:

    You are definitely inspiring me on my journey to financial freedom . Great article as usual

  3. Tj del mundo says:

    Thank you for sharing. This tips are what I need to manage my finance.

  4. Lisa says:

    There is so much freedom in knowing where your finances are at and setting goals to save and be debt free. We are having a huge celebration with our friends this weekend, as of Wednesday, we are mortgage and debt free! We worked hard, saved, paid out more than the minimum payments but still took time for fun and giving to others. Great post, keep writing and helping others achieve their financial goals!

  5. Thanks for sharing this. Knowing your financial status is key before working on the rest! At least this is my guide to planning and working on my financial status.

  6. Sunday swart says:

    Habit is the most one to additive one.
    Change your habit and get good money view.

  7. anissa4334 says:

    All tips are definitely important! I recently joined the Choose FI Facebook group and I listen to the phenomenal podcast. Great money tips and actionable steps like your post. I especially agree with surrounding yourself with the right people!

  8. Andreea says:

    Very good advice and what I agree the most is changing your habits from the past and always be thankful for what you have!

  9. You’ve shared a very informative and resourceful content. I took the time and effort to go over my financial status last year and I was able to identify where I am unnecessarily spending my money and make necessary changes. I also realise that I need to start creating my own wealth by generating extra income and not rely on income from my profession. Thanks for sharing.

  10. Jessica Hugo says:

    This tips are definitely 👌! Great post Rawlings.

  11. Shruti Arora says:

    Good habits are the key to success and it’s true for your money too. Great Post!

  12. Inspiring post. All the points you have mentioned are relevant and should be kept in mind while planning the future goals.

  13. Criddlemethis says:

    Great advice, I’ll see if they help me save some money!

  14. Laura says:

    Such great content! I really wish my parents and schools had made it a priority to teach us about money! The extent was “here’s how to write a check, make sure you have a savings AND a checking account, and get a job so you can make money”… not much useful info there… so THANK you!

  15. littleverons says:

    Wow this is very informative thank you I definitely need to have a positive mindset with money and I’ll be taking your points on board.. we can easily into the money trap.

  16. Jessica says:

    I believe that setting financial goals is very important! Thank you for your advice, you have some great points!

  17. Great post! I think the final point is most important! We have to show gratitude with what we have in order to be blessed with more! Great tips!

  18. Sm00chezzz says:

    Loved this piece. Very informative
    . Thanks

  19. Thank You for the excellent advice.

  20. Agreed with all these points. Many people are slaves in the corporate world and are in chain with debt because they are afraid to look beyond.

  21. Andre Vinluan says:

    Nice! Thanks for these useful tips. Will definitely try to practice it.

  22. Some good points! I’m all for saving & being frugal 🙂
    Thanks for sharing!

  23. Good advice! I think most people are looking for this. Thanks for sharing

  24. This is perfect, especially for the holidays! Thanks for sharing!

  25. Loreli says:

    Thank you for sharing this. Great article and advice.

  26. I love this post. It was so refreshing and informative. Very valid points that if I am being frank, never crossed my mind. It also doesn’t hurt that this is right in time for the holidays.

  27. Sabrina says:

    #8 is the #1 I need to work on – good post!

  28. saltyhairtherapy says:

    Helpful tips, Can’t emphasize the importance of having the right people around. thanks for sharing.

  29. Renee says:

    I love the “start thinking of making money” this is a tip you don’t often hear but the right mindset can do wonders!

  30. Michellew917 says:

    Great advice!

  31. melisssamaay says:

    Love this ! Such useful information !

  32. Shruti Arora says:

    The best thing will be to have goals, this will force you to start using your money with design instead of default.

  33. lacyngo says:

    These are great tips. We are working on implementing several of these.

  34. ieuanfishburn says:

    All I think about are ways to support myself doing something I love. Great advice

  35. Depression No More! says:

    These are healthy ideas regarding our finances. Thank you. I always say not to be afraid, handle it, tackle it and then work it so that it works for you.

    • You are absolutely right. You must overcome your fears because you enslaves you and leave you in an angle till you break free from it and take that bold step to become financially secure.

  36. I am currently in this process now, trying to grow my skills and better myself. Good job!!

  37. Rianna Beth, Bohemian Wanderlust says:

    Really great post with some helpful advice. I like that it was broken down into categories to understand more easily.

  38. Angel Lou says:

    Trying to be minimalist to avoid spending lol well I don’t have enough money so haha

  39. Ella says:

    This is a really useful article. I’m currently finding I’m having to cut-back on spendings so these tips are just what I need right now. Looking at my financial status is definitely a good thing to do. I’ve been known to bury my head in the sand and refuse to look at my bank balance (in denial eh?) but since looking at it, I’ve found I’ve been able to make wiser decisions on when and how to spend money 🙂

  40. very good about ways to change the money habit and i’d like to say i really liked it. Thank you for sharing it. ! lovely and really helpful to achieve any financial burdens if they discpline their financial management. Awesome info. by the way.

  41. Nate says:

    I agree Rawlings! Also who we choose to be our friends, determines our personal growth inn the long run.

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