miss malika2018Twenty years from now you’ll be more disappointed by the things that you didn’t do than by the things you did do.” – Mark Twain

I started working actively on official employment from 2015. This is basically what i have learnt from my time as an  intern back in 2010 to date. My lessons will also incorporate advice i read from books and personalities i admire.   These lessons may change as i grow in my career and in person so i will keep on updating this post.

I would like you to know that i am not an expert in this field, in fact, i have been struggling with saving and right now i am working on a journey to financial freedom.  This journey requires a lot of discipline and planning and i am working it out. So don’t be afraid to share your thoughts because that may go a long way towards  impacting me and another reader.

Be resilient. There is a saying that when the going gets tough, the tough gets going. To be resilient is to be able to recover quickly from difficulties or to have mental toughness. When you are confronted by difficult circumstances at work, how do you react? Do you coil back and quit or do you stay put and  work it out.  In every career, there will be ups and downs. The people who make it are the ones who are resilient.

Value your reputation. Your reputation can make or break you. It will enable you grow in your career or make you stagnate. People get new job offers from previous clients. When you start your own company or business, you are more likely to reach out to the people you served or worked with, so your reputation will play a big role towards you making it in your profession or business.

Don’t live your life for other people at work. A lot of people get into debt or trouble because they are trying to impress or be at par with their colleagues. Your financial background is not the same as that of your colleague. Your colleague may not be having a  problem spending money on designer clothes because he or she has no financial obligations or comes from a wealthy background or has other resources apart from their salary. Your situation may be different so you don’t want to live up to their expectations. You may be taking care of your parents, paying school fees for your siblings and  are the sole bread winner of your family. Your spending habits will not be the same as that of your colleague , so do not feel the pressure to fit in.

Develop a culture of saving.  I wish i started saving as soon  as i started working. Whenever you receive your salary, always put aside money that you need to save before you start spending.

Know where your money goes to. This is not just about rent, electricity and water bills.  This includes accounting for every penny;the groundnuts or mutura you buy on the road to the movies you purchase, to the second hand clothes you purchase without actually budgeting for, to bundles you purchase. Make a list and always write down everything you spent your money on. This will help you know where to cut costs and help you save more and spend wisely. I realized i spend a lot of money on movies , second hand clothes that i don’t always  wear and foodstuff i don’t consume. Knowing this has enabled me to actually budget and avoid spending unnecessarily.

Be open to learn. Learn about what your colleague does; get to know what interests you in your career. Learning will help you know more about your strengths and weaknesses.

Adopt a healthy lifestyle. This is especially for us millennials. We want to party everyday, smoking shisha was regarded cool; we want to stay up late, eat a lot of junk and engage in unhealthy sexual behavior. I have no moral authority to tell you what to do with you life but if you want to leave long to achieve your dreams, you will need to eat healthy, drink lots of water, exercise, drop the alcohol and so forth. It is sad that we loose so many young people to lifestyle diseases. Diseases that could be avoided. Just take care of yourself while you are young and spare yourself the trouble.

Be street smart. You will not be taught about this in school. Being street smart simply means that you know whats going on around you. When you are street smart, you know your way around and how to handle yourself in tough situations.

Do not be afraid to start form the bottom. Starting from the bottom is not a bad thing, its a stepping stone to another level. You will gain experience that will help you navigate to your next level.

Speak out for yourself. No one will know what you think , feel or want if you do not speak out.

Do not stop bettering/advancing yourself. Take short courses, go for training’s offered by your company , get that degree or Masters, acquire a new skill.

Don’t invest in ventures you do not understand. This will help you avoid getting conned or losing money.

Have a plan.  Where do you want to be in one year? In five years? Where do you want to travel to?  How much will it cost?  How long will you need to save to get what you want? Whats your short term investment plan? Whats your long term investment plan? How do you plan to achieve this? Failure to plan is planning to fail. Will you be travelling home for Christmas? Are you saving for it or planning for it?

Always have a budget before you spend. Do not spent your salary without having a budget. Budgeting helps you plan for your finances appropriately.

Always have an up to date curriculum vitae. Also have it stored in a place where you could easily retrieve it when you need it. I prefer to save my documents on google drive.

Have a good relationship with your colleagues. This is because these are the people you spent most of your time with. You want to spend time with people who you have a good relationship with. A bad relationship with your boss or colleagues is one of the reasons why many people hate their jobs. At least have someone you can lean on at work.

Be patient. Wealth comes steadily. You will not be rich in one week. Creating wealth takes time. Your habits will contribute towards you creating or losing wealth.

A good phone, expensive dress, luxurious car is not  a symbol of wealth.

Learn about money markets, stock exchange, bid bonds and know what will work for you on your journey of wealth creation and financial freedom.

Always know about the hidden costs when borrowing loans. How much interest are you charged. How much more will you be paying for interest and for how long?

Go slow on those loan applications sites you upload on your phone. You might want to know that when you default paying your loan, you will be listed by CRB, which means, should you want to acquire a loan in future, you will have have to pay fine plus pay much much more for defaulting. Also note that, some  potential employers will require you to get clearance from CRB.

What lessons have you learned on money and career? Please share your thoughts.

Sending lots of love♥♥♥♥

The only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle.” – Steve Jobs