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Why Being Goal Oriented Is Still Important – part 2

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On the 5th of February 2016, I posted an article titled Why Being Goal Oriented Is Still Important”. It’s one thing to set a goal and another to work it. Goal setting is like making a marriage proposal and committing yourself to walk through the journey of love in both the good and bad times, choosing to love no matter what, adjusting and changing yourself to accommodate the other person in your life. It takes work, time and commitment to realize what you put your heart into.
“Setting goals is the first step in turning the invisible into the visible” – Anthony Robbins
As I had written in that article, my wife and I had the goal to build our home however we knew that for us to have a home, we needed a plot of land. We were able to get the land in our first year of marriage. It really took us making some deep sacrifices, we chose to live a modest lifestyle, nothing flashy but still happy within our means.

“If you don't have any goals in life, it is high time you start thinking of some …

Brace Yourself For Worse Economic Conditions but Remain Strong So That We Can All Sail Through And Triumph.

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A good day to you all. I have been reading a lot lately and also hearing so much about our economy in the news. We all know that Parliament of Uganda has passed the Tax on Social Media, Mobile Money Tax and many others. We have come from a recent economic meltdown where a bag of cement was going for almost 40,000 UGX or $10.6  , the cheapest you would get was probably 35,000 UGX or $9.28 , it has reduced but it's affecting the development of infrastructure, i know of people who have put construction on hold just because of these high costs, imagine if you wanted to move to your place, what would you do? some just go in however bad the situation is, others wait. They say our taxation hasn't hit a high ceiling but even when you are buying a loaf of bread or fueling your car, you will realize that the normal fuel of 20,000 UGX or $5.30can no-longer do you good like it used to, now you need 10,000 UGX or $2.65 more. We also know that there are groups that are fighting this tax tooth…

Helping The Youth Understand Personal Finance

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Satisfaction Comes From Helping othersFor a whole month now, I have been interacting with the youth in S.6 Vacation at Bugolobi Church. We have had an interesting talk on personal finance, the series ended yesterday and we dealt so much about habits and mindset change. The testimonies that came in yesterday were so amazing. These young guys are determined to do whatever it takes to improve in this area starting now.
Everything else is taught in school except financial literacy. I never had the opportunity of being taught about money, the only thing I would hear from my dad is that, "Money isn't picked from trees". When we use the Jewish model of teaching the young people, we are preparing them for now and the future. In his book, SMART MONEY, SMART KIDS, Dave Ramsey talks about a middle aged lady who walked up to him after he had just finished a seminar talk on Financial Peace. In this book he writes,  " I’m sure as that first person—a middle-aged woman—walked up to th…

Don't Stop Planning

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It has been said before that if you don't plan for your money, someone else will. To get through life without a plan is just a big time tragedy.Sometimes people will tell you, just live by faith or let life take it's course. There are so many things taking out money faster than it came in. If you don't put a front foot and have clear goals, make some sacrifices towards financial peace, then you will remain in the same pit of living from pay cheque to pay cheque or hand out to hand out.
The jobs we have keep us in limbo, we believe we are secure yet it isn't entirely true, you can be fired any time or fall sick and they can only go as far in taking care of you.
Many times you will not feel like leaving the job because it's the only source and hope you have. As you work put some money aside, have a long term plan, mind your business of becoming financially free as you work for someone or an organization. People seek better jobs but also that is still tying yourself and …

Start Now

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On Friday the 16th of March. I had a good time speaking with S.6 Vacationers about personal finance. They asked me to go share with them a few insights about this thing. I am humbled that young people are starting to think about this thing and I wish parents and schools were given such talks at the dinner table, in the cars or even in school parades, we can develop many young people who have good financial I.Q and the rewards could be enormous in the long run. Never Thought About Learning Personal Finance I remember while in my S.6 vacation, I never ever thought about learning anything to do with money and I was so humbled that this group of young people wanted to understand some principles that they can apply in their lives now. I asked them what they wanted to learn, and the thoughts ranged from learning how to save, invest, use their skills to make money etc. Time: Start Early, Start Now There is no better time to start learning something than "EARLY". Many of us at the time …

Don’t Blame Others - Think of What You Can Do To Fix It

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Are you fixing it or you are complaining?
Philippians 2:14 Do all things without complaining and disputing, 15 that you may become blameless and harmless, children of God without fault in the midst of a crooked and perverse generation, among whom you shine as lights in the world.
There are many ways we can help this world; I believe it starts with us seeing ourselves as problem solvers. Are you seeing yourself as light to the darkness, arrogance, hopelessness etc.
We live in a world where everyone is pointing a finger at the other. They say you should have done this or you should have been doing this. Often the complainants have no solution to the underlying problems. Instead of being problem propagators, why not think? As problem solvers.
Often people will blame their money problems on the government, on high taxes, on how the rich are unfair and don’t want to share their piece of the pie, on how they did not get the best education. All this holds some bit of truth but I believe that whe…

Never Broke Again – Could That Be Your Story!

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“Don’t be committed to the physical environment,” Nichols said. “Be committed to what’s in your mind. I fed my son possibility even when we didn’t see a lot.”


Philippians 3:13 NLT "No, dear brothers and sisters, I have not achieved it, but I focus on this one thing: Forgetting the past and looking forward to what lies ahead,"
Ever been in a place where you are at the edge. There are people who have lost everything and been written off, there are people who have been to the darkest pit and had no one to help them but themselves. Has that been your story or have you seen someone who has gone through it and still see them come out. Indeed, the light at the end of the tunnel is there for everyone to receive but some people choose to allow the worst of circumstances get to them, some give up and say, “I will never amount to anything”. My dear reader I want to share with you the story of Lisa Nichols. This story sent chills through my spine. I know I have seen some situations that a…

Invest In Your Mind

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Proverbs 24:5-6"The wise are mightier than the strong and those who have knowledge grow stronger and stronger. So don't go to war without wise advice, victory depends on having many advisers" While studying and analyzing a few things about life. I have strongly come to the conclusion that is is disastrous to be arrogant and ignorant.
In my analysis, I looked at when homes are broken into, the things that get stolen are TVs, Laptops, fridges etc but never things like books, magazines or news papers. I believe people are driven by what they see that can give them temporary happiness but they aren't driven by what can give them eternal value. A lot of truth lies in written pages, a lot of wisdom is shared by the minds we interact with when we read or listen to their messages. How about you take time to financially educate yourself in the areas that are really perturbing you. Let me quote what Robert Kiyosaki said in his book, Rich Dad Poor Dad, he said, "If you want t…

You Are Not Less Than What You Ought To Be – Part 3

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“The only thing worse than being blind is having sight but no vision” – Helen Keller
In his book, Vision less life, Meaning less life” Dr Sunday Adelaja talks about a lady who broke the barriers of adversity. Her name is Hellen Keller.
Helen Adams Keller was born on June 27, 1880 in Tuscumbia, Alabama. Keller was born with her senses of sight and hearing, and started speaking when she was just 6 months old. In 1882, however, Keller contracted an illness - called “brain fever” that produced a high body temperature. Within a few days after the fever broke, Keller’s mother noticed that her daughter didn’t show any reaction when the dinner bell was rung, or when a hand was waved in front of her face. In simple terms she became deaf and blind. In 1887, Keller’s teacher, Anne Sullivan, helped her make tremendous progress with her ability to communicate, and Keller went on to college, graduating in 1904.
This is a unique story. It is unique in many ways because her parents and teachers did wh…