5 Things Any Student Affected By The 42 Days Lockdown Can Do To Keep Their Mental Health In-check

Photo by Cristian Newman on Unsplash

Dear Student,

Last Sunday on the 6th of June 2021, The President of Uganda while addressing the Nation pronounced new Lockdown measures and one of them was to close all schools and tertiary institutions to curb the spread of COVID19. 

Some students in the Universities were about to start or conclude their exams for the semester, some parents had just paid fees for those that had returned to secondary school. It surely is a tough moment and the times are unprecedented.

Makerere University lost a student to suicide and comments on social media say that she battled with depression. 

I made an appeal on my Twitter account @arthurkmo on the 8th of June, see the picture below on what I said, "Please don't commit suicide"

While reading an article from a certain forum, the writer mentioned some of the students said as they packed their bags to go home, they said and I quote, "Shall we ever finish", "Let us go and get married" etc. Such words already point to anxiety, sadness, and any negative form of emotion. It's normal to feel sad and to see whatever but we need to ensure that we rise above finite disappointment and build on our finite hope.

There could be a student in S. 2 saying by now I should have been in S.4, or that one in S.5 saying I should be in S.6 and almost done. All these are legitimate claims but somehow a natural occurrence is happening that requires everyone to put a hold on certain things, it is sad that closing schools is one of the consequences but I want to remind my reader, that your mind and will to learn hasn't been closed. You can turn this negative energy into positive energy. 

Here is a list of 5 things I do recommend you do at a time like this. 

1. Have hope and rise above the current disappointment: Martin Luther King once said, "We must accept finite disappointment, but we must never lose finite hope" - It is written that hope deferred makes the heart sick, so let us have hope and rise above the current situation, there is a reward for those who never faint not. Hope never disappoints.
2. Connect with your Purpose: What is your purpose? Maybe the 42 days could be a good time to reflect and ask yourself this very critical question. The late Dr. Myles Munroe once said that, "The greatest tragedy on earth is not death but living a life without purpose" After everything Joseph went through with him being sold into slavery and being accused by Potiphar's wife or his fellow prisoners, When his brothers were before him, he said this, ""As for you, you meant evil against me, but God meant it for good in order to bring about this present result, to preserve many people alive - Genesis 50:20 - You don't have to go and get married or sleep around and get infected with HIV or even get a pregnancy you had not planned for, You don't have to become an escort as it has now become an easy way for young ladies and men to make money by offering their bodies for sex - Connect with your purpose
3. Connect with your passion: What do you love doing? Is it blogging, counseling, creating content, writing, coding, encouraging, creating problems to everyday problems - This time could be the birth of the Enterprise that will solve human problems and will be built for posterity - Remember, it is written, whatever you do, do it heartily unto God and not unto men.. so fuel your passion, it is the best thing you can do to eventually fund your dream or wild ideas. 
4. Connect with people: It might be hard to physically meet. But What life has taught us is that it is hard to live in isolation. A person who isolates themselves rages against sound wisdom. Call or text someone, reach out to a mentor, reach out to a peer, reach out to those younger, reach out to that stranger, support those in need. By giving meaning to what you do, you eventually find your purpose. How good and wonderful it is for the brethen to unite.. If you can meet in twos or threes while observing SOPs, please do so. 
5. Connect with God: One of the things life has taught me is that, when we live thinking there is no God, somethings will push us to our knees, so that we can call on him and he answers. May be we have been moving to fast without submitting to his lead and guidance.Whether you belief in God or not, that's a discussion for another day - But Just ask yourself, the oxygen that every one is grappling for in hospitals due to COVID who created, who gave the wisdom for it to be put in cylinders, we might not fully explain certain things, but life has taught has that there is a higher spiritual dimension that holds so many things together. 

Focus on your wins not your losses, focus on doing your best now, you have the opportunity, in this dark hour, know that you got strength, strength within to sail you through the current storm.

Food for thought, The Israelites endured the wilderness for 40 years and some how their clothes did not wear out, they were fed on manna. Yes they complained many times because they wanted meat, you might not be able to have meat now but you have what God has given you to sustain you. God can redeem the lost time and he makes everything beautiful in its timing

#Transform #Impact #Empower 

Life Is About Adjustments

Photo by Greg Rosenke on Unsplash

Today is day two of the 42 Lockdown days. 

If you remember the first days of Lockdown, many of us were anticipating that COVID19 would end after a month or two but that did not happen and until now we are still dealing with this pandemic.

One of the most important things that happened to many of us as we listened to the president address us is that we kept on adjusting. We told ourselves we can wait a little more even if the situation was very inconveniencing. Our attitude and minds played a lot in our mental fortitude to sail through that COVID storm. 

As they started to ease down on some of the restrictions, that still required adjustment, those who worked from home, had to again master working away from home and now we are back again to 30% working from the office and others from home, that still requires adjustment, it’s like shifting from one place to another.

There are people who could be distraught and in great despair. You probably started a business after Lockdown and you were now making great strides and boom!!! Somehow things have slowed down after the directive. You could have taken a loan to rejuvenate your business and now what was bringing you money is cut down. You could have paid fees and now the kids are back. 

It’s a tough pill to swallow but you have to remain steadfast and firm. Your mental campus will be key to how you navigate this season. 

“We must accept finite disappointment, but we must never lose finite hope” – Martin Luther King 

Choose to drive your energy to some of the great gains you have made, look at the lessons learned, the small wins gained. Just Martin Luther said, let us never lose finite hope. Your hope and optimism right now is your anchor; it is what will keep you going. Focus on what you can and not what you can’t. 

Thich Nhat Hanh said and I quote, “Hope is important because it can make the present moment less difficult to bear. If we believe that tomorrow will be better, we can bear a hardship today.”

Use these 42 days to grow and do the rights things knowing tomorrow will be better even if the future seems blick. If you are too challenged, say a Prayer and Let God take over.

#Adjust it starts with your mind, you have the power and will to do it.

#Transform #Impact #Empower

Financial Discipline

FINANCIAL DISCIPLINE

"There is no growth without discipline."

So many things about our lives, work, and experiences require discipline. Just over the weekend, I had an interesting time with a wise old man. As he shared so many things about life, he said that where he is now in life has required making a lot of hard choices. He said he and his wife went through some rough patches but they have stayed together for the past 28 years.

There is so much we learned in his short speech, 28 years seems long but it is also short but what underlined their storyline is how they have worked together and maintained a discipline to bring them this far. My wife and I kept talking through the night about the wisdom we picked and were motivated to emulate some of the great disciplines.

Old & Poor

He talked about an old man who once told him, that it is bad to be "Old and Poor" - this old man was a teacher who taught many of the young people who have become prominent somebodies in this country - but the message to the wise man we were listening too was that we should work hard for our future, we should do whatever it takes to maintain a great financial discipline and put investments aside for the years when we won't be as active.

He encouraged us to invest in land, to do business - he said they failed countless times in many businesses, but that did not deter them because they had to do what it takes to prepare for the future. We marveled at some of the investments they had, and I told my wife that is old money, what we need from such guys is their wisdom, not their money.

Questions To Answer

As the month of October takes shape - ask yourself these three questions.

Where am I from?

Where am I now?

Where am I going?

Those questions need to be answered in the most brutal and honest way. We cannot keep saying that our future will take care of itself, we can't keep saying that, I earn too little to put some money aside for investment, we can't keep having the mindset of I can't do this, "I can't invest", "I can't save", "I can't start a business", etc. Right now in his late 50's going to 60's, the income he is getting is already more than good enough to cater for his life ahead, in 5 years, this man will be retired, but he won't be begging, he won't need to rely on his children, in fact, his children will perhaps be the ones to rely on the generational wealth, he has already put aside.

Financially Disciplined

It doesn't take rocket science to start being financially disciplined. Being financially disciplined is not just about eating rice and beans, it's about having a clear plan for your money- knowing where it is coming from, where it will go, and what it will do.

Some of the biggest problems the world is facing are the issue of financial discipline. We live in a spend-thrift culture, almost everything is got on the go, no plan, nothing at all. Buying out of impulse is the order of the day - the culture of consumerism is the ghost that visits us every day and takes away the little or much that we have- if only what is consumed could be positive consumption, then we would see many investments come up but alas, someone reading this will say ah! that's old talk, I have FOMO, YOLO, etc. The youth will say, I still have time - yours truly used to say he has time, I know many others like me used to say, "I have time" - remember this wise saying, "The race is not for the swift but time and chance happens to them all" - times happens to us all, how we use it and convert it into tangible results is entirely upon us. The woman or man in kikuubo(the common market for everyday people) works so hard, they don't speak or write good English like you do but they make wise investments with their money and time.

Another discipline you will need to learn is financial education, you won't wake up and say I will have 100m in my bank account in a month's time unless you are part of a corrupt cartel that would be - there are financial principles you will need to employ, shortcuts will kill you.

I have mentioned this quote many times and it resonates with the message today, "Personal finance is 80% behavior and 20% head knowledge" - Dave Ramsey

Do not solve a behavioral problem with a mathematical solution, you might be given a pay rise, but the status quo remains the same, the guys who ask for you to house a round of drinks will surely be waiting- It is written that as your money increases, those who spend it also increase. The wise have wealth and luxury, but fools spend whatever they get.

#Transform #Impact #Empower

Patience As a Key Value

Photo by Wolfgang Hasselmann on Unsplash

I recently heard a chat with two young people in their early and mid-20’s and in our conversation somehow we ended up talking about money. While talking about Patience in regards to investing, I used the analogy of African time within the context of Traffic Jam.

One of our biggest causes of traffic jams is indiscipline. 

Many road users (Matatu (taxi), other car owners, and the motorcycles commonly known as Boda Boda) are all part of the traffic jam menace. Such indiscipline isn’t very far, it is something we grow up with, in high school, when we used to stand on the line to pick food, we had bullies who would cut the lines and jump to the front just because they wanted to be ahead of others yet they were very late. Being late normally causes people to try and use short cuts and that is the norm many of us have grown up in. Back to traffic jam, we normally say Matatu (taxi) drivers and many road users use the same tactic of driving ahead, overtaking on the shoulders just because they want to be ahead, that mentality might seem a savior but in the long run, it can cost you a life, money and other resources.

I liken late investors to the kind of road users who wake up late and want to overtake, they are the type who will go for the get rich quick schemes or investments that seem to be too good to be true. When things go high wire, we end up hearing stories of how they crushed ahead, how they knocked another car or how their investments were a quack and someone run away with their hard-earned or money got on a loan.

On the other hand, I liken early investors to the type of people who wake up early and want to beat the jam, such people are always thinking invest early, wake up early to beat the jam so that you can maximize the early morning time to do other productive things that bring in more money instead of using shortcuts. It is written that Jacob served(worked) seven years to get Racheal, but they seemed like only a few days to him because of his love for her (Genesis 29:20) - When you are focused on your goal and you are patience, getting what you have set to achieve will only seem like a few days, but you have to be PATIENT.

If you are the type who is already late, it is important to exercise patience, to avoid using shortcuts, to avoid overtaking cars, because two things can happen, you either knock others or you get knocked, it is not that you will always be lucky – if you are late, stick to the line and re-strategize, it is inconveniencing and slow but you will eventually reach your destination When late, you need to rethink your decisions for the next day or next investment, doing the right thing at the right time enables you to seize many opportunities. One of the reasons the Chinese are very good savers is because they are taught this early, from childhood, they are taught to envision hard times ahead and to put money aside for a rainy day. The Chinese have this culture because many of them grew up facing uncertain times, and their only weapon was early preparation – such values were passed on to their children.

Warren Buffet once said, "The stock market is a device for transferring money from the impatient to the patient" - I also read somewhere on the internet that patience is not just about how long we wait but how we behave while waiting - remember the anecdote of people who overtake while in a traffic jam, they aren't any different from those who look for getting rich quick schemes, you find you have sold land and invested in a quack deal.

We can beat the jam by rising up early, we can beat this money game by starting to invest early, we can avoid getting Get rich quick schemes by investing in the right knowledge and building our financial intelligence. Financial intelligence is built overtime, it is not something you learn overnight – it’s a continuous learning curve

#Transform #Impact #Empower 

 

What Are Your Financial Emergency Tools

Photo by Tory Bishop on Unsplash

Life has taught us so many things and we continue to discover so much more every day. The beauty about life is that there is no quick-fix solution to everyday problems but there are universal principles that can be applied.

Whoever owns and drives a car, in their boot their are tools that are needed for any emergency that occurs. Often for a properly set car, the boot will have a car jack, wheel spanner, spare tyre, toolbox, etc. The manufacturer of the car doesn't put those things in there for decoration, they all have a purpose and when in need, they come in handy.

Whenever you travel, travellers have key things they must carry while travelling, things like a first Aid box, extra clothes, extra cash, these days power banks for smartphones is very handy. While travelling by water, a life jacket is a must kit to have, there are extras for an emergency, for big ships, there are lifeboats that are tacked somewhere for an emergency.

We learn that you have to envisage that the road will not always be smooth even if you have always had a good drive or sail, those emergency tools are a must-have and it can't be taken for granted even if a serious incident hasn't happened.

When it comes to personal finance, we are often told to have emergency funds. An emergency fund is purposely for emergencies, it isn't for saving or even making money out of it. Sudden times like the COVID pandemic can come unannounced, it could take longer than expected, but the funds could helpline such period, even sudden sickness, accidents, etc

Purpose To build an emergency fund that can take you through 3 to 6 months expenses as recommended by many financial experts, You can start by putting away 10% of your earnings towards emergency, be wise like the car manufacturers, you can drive and get a puncture, the spare tyre comes in handy until the original tyre is fixed, we need to be wise and do the same too even with our personal finances - Have an emergency fund.

It feels very uncomfortable to do such rudimentary things, but the road ahead doesn't spare anyone, you are better off prepared than ill-prepared. This is the rule of life, “Do the easy and comfortable and life will be difficult, do the difficult and uncomfortable and life will be easier”

#Transform #Impact #Empower

The Mindset To Start All Over Again When It Seems Uncertain

Photo by kevin turcios on Unsplash

Dear Readers,

"It is never too late to be who you might have been" 

- George Eliot

A happy new month to you all.

As we start the month of July, some of the greatest things in mind are How can we tackle Ignorance when it comes to Financial Literacy? How can we start small ventures with what we have? How can we sail through the COVID19 storm by beginning all over? I will be documenting some great articles to give us insight on a few things. I will share some videos as well. If you also have an insight, please feel free to share, comment, etc. Let us rally ourselves to become better with our finances, seek financial peace, build empires from scratch, and win in this area. We can not let ignorance rob us of financial well being.

I remember telling myself there are things I need to own by a certain age but it took a little longer, I remember thinking that after leaving University, I would easily get a job but that did not happen, I had to do other things as I prepped for them jobs, as I grow older, I get to realize what is even more important is how I use the resources I have to do other ventures. Things have never come that easy for me, you could be like me too and there are stories we can learn from you. But every day was a new day to press on, try something new and all those are valuable lessons for life.

I remember losing some good money to fake land purchase and it set me back but because I had the principles that I had harnessed over time, I started all over again.

One of my properties was also sold off without my permission and I had to give it up but start all over.

I lost an opportunity to get property worth some good amount of money and the money was diverted to other things, that fired me up to know that hey! my future is in my hands and I will have to work hard for my own stuff.

I remember being told by a relative, that you can not develop without a loan but I purposed to beat those odds, I purposed to try out doing something without a loan, as a matter of fact, my bank turned down my loan request and that pushed me to tighten my belt for 3 years without touching a particular saving I put aside. I told myself, "I can do it and did everything possible to walk that journey", it was painful, not easy at all, lots of sacrifices had to be made.

Can you change your mindset to start all over, can you build the mental fortitude to leave what is in the past and press on to what is new? Every failure has been a school of hard knocks for me because

I have picked the lessons and used them to get better.

When it comes to Children, Have you done anything in regards to planning school fees? It is tough when a child can't eat, can't have good shelter, can't get medical care, good education or even basic clothing these are deep-seated questions we need to tackle even when income comes in an irregular way. Hard times can fall on us suddenly and the wisdom God gives us when he tells us to study the life of Ants is that they are always preparing, always gathering for winter.

I have read some amazing articles, books and also watched videos that make my heart race, and in the words of Solomon, I would rather be rebuked by a wise man than praised by a fool.

When I read things like it is not the amount of money that counts but the plan, it makes me think twice how to use money.

I remember saying to my mentor, 'If I had more money, I would have a better plan.' He quickly responded, 'I would suggest that if you had a better plan, you would have more money.' You see, it's not the amount that counts; it's the plan that counts. - Jim Rohn

What's your plan? so let us make do and start all over, let us read on and most especially use the knowledge we will get. Allow yourself to be a beginner

God bless you all.

Happy New Month

#Transform #Impact #Empower