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‘Financially capable’
LET THE WISE HEAR ANDINCREASEIN LEARNING(PR0VERBS1:5
Blessedisthe one whofindswisdomandthe one whogetsunderstanding(proverbs3:13)
My friendaword isenoughforthe wise.If youare wise,readandlearn.
By Charity Anyika- inspirational coach (2015)

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All Right Reserved:
No part of this paper may be reproduced, stored in a retrieval system or
transmitted in any form or by any means mechanical, electronica,
photocopying or otherwise without prior written consent of the copyright
owner
Declaimer:
This paper is to support the reader acquire financial knowledge if the process
is applied and action taken and not by any means exhaustive. There are
many more information and in-depth advice needs to be obtained from a
qualified financial adviser. The success depends entirely on the personal
efforts and action.
Dedication:
I dedicate this paper to anyone who is seeking to better their lives pursuing
knowledge in any aspect of life. To God almighty who want me to help
others? To me who set out to help other achieved their life pursuit.

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‘Financially capable’
The Office of National Statistics (ONS) uses six criteria to measure the idea of
being ‘financially capable’. The ability to make informed decisions and take
positive action about our money is key to financial capability.
Only one in 100 people score high on all six categories, while one in five scored
poorly on all of them.
You can break down the figures in any number of ways (age, location, income),
but what’s clear across the board is we’re not great at planning ahead and
staying informed.
Below are some ideas to help you up your skills.
1 Get better at planning ahead
This is really abouthow good you are at putting some money aside, either for a
rainy day or something expensive you haven’t got enough cash for.
For a lot of people it’s more a case of not having enough to save than choosing
not to. But unexpected bills can really hit hard if there isn’t a buffer. Borrow to
cover those costs, or to pay for something big like a holiday, and it can be easy
to slide into a debt spiral.
If you want to avoid getting in that situation, there are some things you can do
now.
2 make a budget.
This will help you work out everything you spend and all the money you have
coming in. From there see if there are purchases you can cut back on, or cut
out completely. You’ll be surprised how easy it is to find a few quid here and
there.

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As long as you are still covering all your bills, try to put aside this new found
money into a separate savings account. Just £3 a day will add up to more than
£1,000 in a year.
3 Making ends meet
This measures how well you live within your means. If you can make your
money last until the end of the month and keep up with the bills that’s a good
sign.
4 Organised money management
If you know your bank balance or the cash you have for everyday spending,
you are probably doing well here.
5 Controlled spending
this is mainly about not spending now when it could leave you in financial
trouble in the future.
6 Choosing products
If you shop around, and check best buys or reviews, that’s a good sign you are
financially capable when choosing products. Comparison tables are also handy
he
5 Common Money Mistakes in becoming financially capable:
It’s hard to make smart money choices all the time, but at the very least, you
can avoid some all-too-common – and expensive – errors.
Whether it’s budgeting by the month, instead of the year, or forgetting to save
for future emergencies, these mistakes can mess with your finances unless you
take steps to correct them. Here are 5 blunders almost everyone makes and
how to stop yourself from falling into the same trap..

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1. Budgeting for the short term.
Research suggests that creating an annual vs. monthly budget works
best, largely because we feel less confident in our annual estimates, so
we tend to add more cushioning for unexpected expenses. In a 2008
study, college students underestimated their monthly expenses by 40
percent but overestimated their annual expenses by 3 percent.
2. Spending for the reward.
Rewards credit cards sound good in theory, but in reality, they
encourage you to spend more than you would otherwise. Economists
dub this phenomenon "purchase acceleration," because you ramp up
your spending when that reward is in sight. Rewards cards also tend to
carry a higher interest rate than non-rewards cards.
3. Failing to negotiate prices.
Even department stores often offer some wiggle room on their posted
prices, and big-box stores usually match competitors' prices. Research
online ahead of a shopping trip so you know what other retailers are
currently offering. Many consumers fail to realize that prices are flexible
and don't bother asking for a better deal.
4. Earning income from only one source.
Few workers hold onto the same job or work for the same company
their entire careers these days. While some job changes are voluntary,
many also come from layoffs. By earning income from a variety of
sources, workers can increase their financial stability.
5. Overspending on gifts.
Instead of splurging on gifts you’re not even sure people really want,

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why not give recipients something handmade (and filled with love), like
baked goods or a coupon to spend time together. You can also consult
websites like Pinterest or Craftster.org to find unique DIY gift ideas.
The Biggest Waste of Your Money
Too many pay for subscriptions that they don't even use
A worryingly high number of people waste cash by failing to cancel services
and subscriptions they no longer need.
Around 3.6 million Brits are paying unnecessary bills, with the average victim
forking out an extra £70 a month in unnecessary and forgotten direct debits,
suggest research carried by price comparison website money supermarket.
1 Gym no-shows
Almost half of gym members don't go, wasting around £350 a year each,
according to research by think money. And 19% of UK adults pay for a gym
subscription, yet more than one in ten of them admit that they hardly ever go.
Most of them say they ‘plan on going soon’, but others simply haven’t got
round to cancelling or feel too guilty to cancel.
"Rather than simply cancelling their contract or direct debit it seems that most
people have convinced themselves that they will go to the gym – starting
tomorrow!" And tomorrow never come.
"It makes sense to review all the direct debits leaving your current account at
least once every few months and check that you really are using the things you
are paying for."
2 Pointless phone contracts
The money supermarket research showed that 17% of people pay for a phone
contract they don’t need. For some, that’s because they’ve allowed a contract
to drift on even after they’ve taken out a new one.
However, plenty of people were wasting cash in a less obvious way by
continuing to pay full price for a phone contract after they became eligible for

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renewal. That means they were paying extra even though they had already
covered the cost of their handset. Others simply paid for more texts and
minutes than they really needed.
3 Useless utilities
You may be paying for services that you no longer use? The money
supermarket research showed that one in five people admit still paying
unnecessary bills for utilities they never use.
4 Unnecessary insurance
The same research showed that 16% of people are paying for insurance they
don’t need. Before you scoff and say that you aren’t, it’s worth checking
whether you’re paying for insurance that you already have.
After all, many packaged current accounts include perks such as free
breakdown or mobile insurance, so it’s worth double-checking that you aren’t
spending money on insurance you don’t need.
So what can you do?
Don’tassumethat you’resafeand that everyonewho forgets a direct debit has
more money than sense. The research proves that this is a relatively common
phenomenon – direct debits make paying bills easier, but they also make them
easier to forget.

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Here are some tips for staying on top of your direct debits, and avoiding un-
necessary payments.
1 If you spot a relatively small amount leaving your account each month then
don’t delay chasing it up and cancelling it – these payments might be small but
they soon add up to an amount that will make you kick yourself.
2 When you sign up for a free trial that rolls into an ongoing contract, make a
note in your calendar or set an alarm on your phone to remind you to cancel it
before you automatically subscribe.
3 Think seriously about your monthly commitments. Is it worth paying for that
gym membership or magazine subscription if you don’t use it? Consider
scrapping any expenses you’re not that committed to.
4 Find out your rights. Don’t just cancel a subscription without checking
whether or not you’re allowed to escape the contract early; you don’t want to
pay penalties on top of the wasted money.
5 Spend some time each week or month looking at your currentaccount. If you
don’t recognise the incomings and outgoings then find out more.
Is Your Money Safe?
What happens when you begin to find outside sources to invest your money in
safely? There are hundreds of opportunities including Forex, real estate and
stocks and other lucrative paths for financial stability.
Today's investors are amp to read each word, statistic and forecast of an
investment before making a leap. This is obvious if you are an informed

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investor, but the ability to choose safe investments is sometimes non-existent.
You can find ways to invest your money safely, but the safety you seek is in the
mind-set of the investor.
Consider these principles as you begin...
1 What kind of investor am I?
2 How can I use this investment to better my life?
3 Should I trust this company with my money?
4 What do I expect in return?
5 Are there guarantees?
Create the proper expectation for your choices. Investors who assume the
whole responsibility of an investment tend to find themselves overwhelmed by
a lack of control. You have to keep your mind-set on an absolute principle of
what you want to accomplish as an investor. The safety of your money is in the
security you have in your decisions to invest.
Before you can choose an investment, you have to research options.
Research Investment Options
Safe investments are available in different forms, but each is designed
differently based on an investor's level of risk tolerance. Until now, investors
depended on the information a broker provided to make the right moves.
Investors have access to online trading markets with in-depth information.
Research an investment's platform by answering these questions:
1 Is the platform easy to access?

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2 What are the minimum deposits and account maintenance fees?
3 How can the platform help investors reach their goals?
4 Is this vehicle a tax shelter to avoid costly fees for profits?
Questions help demystify an opportunity to invest your money. Smart, savvy
investors take time to compare investment platforms before jumping into the
first one offered. An intelligent designation of funds is smart, safe and secure -
an involved investor tends to acknowledgefaults of each program, butproceed
with caution.
Can You Trust Your Judgments?
Do you have to risk losing money if you do not earn a profit? A risk level
relevant to one's expectations can ease the stresses of monitoring an
investment portfolio. You can learn how to invest your money safely by
analysing your risk tolerance early as you research an opportunity.
Risks are a part of making money in one's investments. We are all faced with
the dilemma of how to invest your money safely, but risks outweigh any
discussion an informed investor makes and assumes as they seek
opportunities.
Gain Confidence in Your Investments
With a little insight and confidence, companies can and will help you find ways
to keep your money safe. Investment platforms with statistical data and
outlooks on company developments ensures investors are comfortable with
their decisions and open to new methods of growing their wealth.

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Are you confident in your decisions? Do you feel that your wealth is in good
hands? Keep your money safe by developing confidence in your investments
and allowing them to take course as YOU see fit. You always have an option to
withdraw your funds from an account as long as it does not conflict with the
company's policies.
It's all a chance. With the larger risks, you have an opportunity to gain
excellent profits but you have to know what you want in the end.
10 Warren Buffett's Money Tips to Master
(Please do google Warren Buffett most successful investors of all time to learn
more about him)
We should all be as successful and prosperous as Warren Buffett. At around
$66 billion (£42bn) his net worth seems to get larger and larger as time passes
— which is no surprise considering his keen foresight and savvy money
strategies have made him one of the most successful investors of all time.
But take all of the financial situations everyone faces on a daily and monthly
basis — budgeting for a new house or car, student loan debt — and it’s hard
for most of us to sock away six, let alone seven, figures in the bank. You can,
however, still strive to be like the Oracle of Omaha by listening to some of his
most sage wisdom.
Whether its retirement planning tips, investment advice or better financial
awareness you’reafter, these 10 Warren Buffett money tips are skills you need
to master.
1. Start saving money now.
Or, in a few enigmatic words from Buffett, “Someone’s sitting in the shade
today because someone planted a tree a long time ago.”
It’s a struggle to get anywhere without starting somewhere — and it’s never
too late to begin developing a savings plan, even if it’s opening a standard
savings account. Buffett had to start somewhere in his financial journey, too.
Look at it as “paying yourself first,” and make it a priority to save money now.

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2. See the value in frugal spending.
“Price is what you pay; value is what you get.” Buffet said Ben Graham taught
him this, and the notoriously frugal Buffet is living proof of this.
Just like excessive credit usage, overspending on disposable items you don’t
need can leave you broke. And many everyday items, like grocery and
household purchases, aren’t worth their marked-up price tags.
Don’t assume you’ve got to be obsessive each time you buy something.
Instead, always look for coupons, promo codes, sales and deals. Also, try to
choose generic vs. brand-name items in the store. Compare their ingredients,
and you’ll likely find that the generic brand is the same product but cheaper.
3. Big picture goals take time to reach.
In one of his more absurd analogies, Buffett said, “No matter how great the
talent or efforts, some things just take time. You can’t produce a baby in one
month by getting nine women pregnant.”
You can build a stable nest egg by setting reachable, long-term goals and
understanding that wealth takes time to establish. Determine how much you’ll
need to live on during retirement, and work toward reaching that number in
the next couple of decades.
4. Learn from past financial mistakes.
Hindsight is always 20/20 — or in Buffett speaks, “the rear view mirror is
always clearer than the windshield.”

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There’s more to learn from past bad money mistakes than from new ones.
Take the time to ask yourself: Do I have a tendency to overspend and go into
debt? Have I relied too much on credit? Do I not use enough credit?
5. Limit how much you borrow.
“I’ve seen more people fail because of liquor and leverage — leverage being
borrowed money,” said Buffett. “You really don’t need leverage in this world
much. If you’re smart, you’re going to make a lot of money without
borrowing.”
Smart money management and disciplined spending mean you don’t need to
rely so much on credit cards and loans. Don’t rule out credit completely,
though. Sensibly borrowing money and repaying your balance back in full each
month keeps your credit score high and increases your chances of getting
approved for low-interest loans.
6. It’s OK to take some financial risks.
No risk, no reward … but what exactly is risk? “Risk comes from not knowing
what you’re doing,” said Buffett, according to Forbes.
People unacquainted with investing might look at the financial market as too
big of a risk to take. That’s a myth. Buffett would acknowledge that if you’d like
to start expanding your portfolio beyond savings or retirement accounts, begin
learning the ABCs of investing. Once you’ve got some knowledge, you can take
the steps to invest wisely.

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7. Pay off your debt.
Buffett is one of the few people who can make sense of a complex subject, like
debt, through one of his folksy axioms.
“The most important thing to do when you find yourself in a hole is to stop
digging,” he once told his Berkshire Hathaway shareholders 25 years ago in a
chairman’s letter.
If you’ve been carrying debt in our 20s and 30s, make the commitment to
erase it before you enter your 40s, 50s. Try negotiating with your creditors and
start tucking away money you can use toward your loan payments.
8. Don’t try to keep up with the Joneses.
When the neighbours just bought a nice new car or vacation home or a friend
is thriving financially and professionally, a “keeping up with the Joneses”
mentality might set in near middle age. It’s like a financial inferiority complex
that can cause damage to your money and your mind-set.
But Buffett said to forget about those people: “Live your life by an inner
scorecard.” Stop comparing yourself to others and your goals will be easier to
accomplish.
9. Money won’t buy happiness.
According to Buffett, money is one of the least important things in life.

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“Some material things make my life more enjoyable; many, however, would
not,” he said. “I like having an expensive private plane, but owning half-dozen
homes would be a burden. Too often, a vast collection of possessions ends up
possessing its owner. The asset I most value, aside from health, is interesting,
diverse, and long-standing friends.” You shouldn’t spend your whole life
worrying about money.
10. Don’t listen to Warren Buffett.
Just as it’s important to stop comparing your financial achievements to others,
Buffett will be the first to caution that you shouldn’t be swayed or wooed by
the advice from any of the 10 million “experts” who think they know your
money better than you do — and that goes for Buffett, too.
“Anything can happen anytime in the markets,” he once wrote. “And no
advisor, economist, or TV commentator — and definitely not Charlie nor I —
can tell you when chaos will occur. Market forecasters will fill your ear but will
never fill your wallet.”
5 Retirement Lessons from Warren Buffett

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When you think of great investors, the name at the top of the list is Warren
Buffett. The Oracle of Omaha's insights and ideas can guide you in your own
efforts to build wealth.
As you consider your retirement future, here are five takeaways from the
Oracle of Omaha.
1. Invest for the long term.
Many of us are short-sighted. We panic at every market crash or try to
chase a quick buck. However, Buffett teaches us to invest for the long
term. When Buffett buys a company, he thinks of the long-term value.
He doesn't look for something that offers splashy returns in the short
term. He looks for something with staying power.
When investing for retirement, you need to think the same way. You
won't be able to buy up whole companies, but you can invest for the
long term by buying stocks and shares of companies, and then staying in
for the long haul. Your future self will thank you.
2. Have a purpose.
Buffett has talked about the importance of having a purpose. You need
to have an idea of what you want to do that gives meaning to your life.
Studies show that retirees often lose their health shortly after quitting,
when they don't have something to look forward to each day.
Think about what you want to do with your life during retirement, and
make it a new stage, rather than an end.
3. Learn from the mistakes of others.

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There is no reason to repeat the mistakes of others. Instead, learn from
them. Many people sold at the bottom of the market in early 2009.
Those folks locked in their losses.
If they had been willing to wait a few years, they would have seen
tremendous gains instead. Don't panic just because everyone else is
panicking, and pay attention to the mistakes that bring others down.
When you learn from the mistakes of others, you are less likely to fall
victim to them.
4. Don't invest in the exotic.
Buffett has talked about how he keeps enough cash on hand to meet his
upcoming needs, but other than that, he keeps his money working for
him.
But that doesn't mean that he's investing in exotic assets. Buffett stays
away from the complicated credit default swaps that he famously
referred to as instruments of mass financial destruction.
5. Don't worry too much about leaving wealth to your children.
While Buffett has said publicly that he wants his children and
grandchildren to live fulfilling lives, he isn't taking care of everything for
them. Indeed, a large portion of his wealth is going to charity, not his
posterity, when he dies.
You can learn a similar lesson. Don't be so worried about providing
everything for your children that you neglect your own retirement.
And don't be so concerned about leaving them a pile of money that you
don't enjoy your retirement when it comes.

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How to Become Fearless in order to attain your financial capability (The
ethos of hopeful people)
Whether it's fear of rejection, failure or any other type of fear, we all had our
own troubles with fear, but in order to achieve something in this world, and in
order to protect our self-esteem; we must learn how to overcome fear and not
to be trapped because of it.
How to overcome fear?
You can only cut the iron using the iron itself, so in order to overcome fear you
need to use fear itself.
What does that mean? Let me explain in detail.
A Greater Fear!
Fear is pain you're trying to avoid, for example, if you fear public speaking,
then it means that there's something in that experience you consider painful
and you're trying to avoid.
It could be the fact that people might judge you negatively or whatsoever. If
you fear rejection it means that you consider rejection too painful to go
through, and so on.
Now to overcome fear you must create a greater fear! You must be more
afraid of what will happen if you didn't do that thing rather than what will
happen if you did, as simple as that. In other words you must create a greater
pain than the pain of fear, for example if you fear rejection then you should
consider the fact that you'll die alone, never develop your personality and
never seize opportunities, and fear that more than the fear of the rejection its
self.

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In this case even though you still have that fear of rejection, you won't let it
stop you because you have other fears in the other hand, and trust me if you
become fully aware of what it will cost you if you didn't do that thing that
you're afraid of, fear won't hold you back anymore.
Fear is pain, pain is motivator
Fear is a great motivator if used well. Think of it this way... each fear will
motive you to go on a certain path. You just need to pick the right fear to put
yourself on the right path.
A Mind-set plays a greater role
Also this is the mind-set of many successful people, they're afraid of what will
happen if they don't act. If they don't work hard and if they don't try, instead
of not doing something to better their lives because that "something" is
fearful, they take actions because the fact that their life will be the same and
even worse is more fearful for them.
Another great mind-set
What if you fear the fear itself? What if you don't like fear and consider it a
painful experience? That's a whole different game, isn't it?
"I hate being afraid of doing something" -Will Smith
This mind-set is all about challenging your fears and attacking them, you want
to do something and you find yourself afraid of doing it? You just do it (thanks
Nike) because you hate that feeling of being afraid and you hate the feeling of
being defeated by your own fears, and actually this is the same concept we
discussed above. You have a bigger fear than the fear itself, and in this case it's
fear of fear.
How to put all this into actions
Personally I hate the thoughts that will come later on if I didn't do this thing
and making me feel like a coward because I didn't do it, and that's enough
motivation for me to attack my fears.
So when I find myself afraid of talking to a stranger, all I do is that I become
aware of the consequences of NOT doing this, and actually one of them is the

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fact that I don't like to be limited by fear (fear of fear), and as a result I create a
bigger fear than the actual fear of approaching this stranger, and by doing this
over and over again your mind will get used to this way of thinking and you
won't have to think about it no more.
You will get conditioned and that will become your normal way to deal with
fears.
So to sum it up... create a bigger fear (be aware of the consequences of not
doing what you're afraid of doing). Doing this alone can help you with your
fears, but you can go a step further and develop the fear of fear (hating the
fact that you can't do something only because you're afraid).
Keeping Your Cool - How to Leave Your Comfort Zone
Hopeful people in life find a way to leave their comfort zone.
Why haven't other people in life changed their life from negative to positive? It
has to do with the beliefs they have.
Besides their beliefs hopeful people create the necessary tools or resources to
change their negative beliefs into beliefs of action. They do this by taking
action of the feedback they receive. They're acceptable to feedback.
Hopeful people know they have to change their beliefs in order to make a
lasting change in their lives anxiety free. They know that staying in their
comfort zone is risky and brings no change in life.
They're resourceful in identifying their negative beliefs holding them back like,
"staying in the zone is safe, not risky and pain free". However they know
staying in that zone means no change and unhappiness.
What are the negative beliefs hopeful people avoid?
Being a Control Freak
Hopeful people are not control freaks. They realize that controlling everything
in life brings anxiety because no one can ever reach perfection.

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They realize that being a control freak comes with its mental consequences
and avoid controlling everything is unhealthy. They identify in their mind that
change is great, risk brings growth and are more open to new opportunities
when they free themselves from control. Hopeful people because of these
newer beliefs take action towards change. They also realize that their comfort
zone is holding them back from growing into the person they want to be.
Hopeful people get bored easily because they find mundane experiences un-
pleasurable. They're convinced that they need constant change in their life and
believe and they will do it by stepping out of their shell.
They are not bothered by uncertainty because they are taking some sort of
action towards their goal. They are well aware it will bring them a result.
Take for example this, I have seen people in addictions or full blown
depression hit rock bottom but motivate themselves into change because
they're convinced their comfort zone will not set them free. This belief allows
them to take some sort of action and move on.
Another big motivator for these types of people is seeking significance. In
other words, they seek feeling useful in anything or feeling significant with
someone.
By feeling useful they leave their comfort zone because they know it does not
exist if they stay in one stop.
Feeling Incompetent When You Lose Control
Another negative belief hopeful people avoid is the belief that new
opportunities or experiences will only make them feel incompetent.
On the contrary they embrace the new and learn to manage the panic or
anxiety it brings with it. They know for a moment they will feel useless because
they're new to the experience but through experience they learn to become
efficient and significant if they keep trying.

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Hopeful people also avoid having others solve their problems for them. They
embrace their autonomy by making their own decisions because it teaches
them to take responsibility for their own actions.
They know staying in the comfort zone is giving away their freedom of choice
and they know it will only persecute them in the long run. They know their
comfortzone is childish and they grow up into full decision making adults. They
realize that staying in their comfort zone is just another form of escaping
reality.
You Are Not Perfect Anymore
What prevents people from staying in their zone has to do with them holding
on to an image of who they once were. They are holding on to the belief "I was
once perfect" this is their comfort zone. They guard it. They protect it and
won't let anyone take it away.
However, hopeful people come into the conclusion that the past is the past
and they are not the star athletes anymore, the perfect student, the perfect
brother or sister, husband or wife. They learn that their families must accept
who they are now. They admit to themselves they are imperfect, addicts,
depress, flawed etc...
What to Do:
Hopeful people seek personal change and admit they're flaw. Hopeful people
do not hold on to a past image of them and remain there.
They know that leaving their comfort zone means admitting defeat and
embark self into a new journey of change with hopeful thinking.
Hopeful people accept who they truly are. They are not dishonest with
themselves. By being honest with themselves they learn to let go of being a
control freak.
They slowly learn to let go little by little and by this they start enjoying life
anxiety free. They work with who they are now and focus on who they want to
become.
The A-Z of actions for hopeful People:

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‘The journey of a thousand miles begins with one step."
Your extraordinary life experiences will always be in equal proportion to your
executed efforts. BIG DREAMS begin with small things done daily and
consistently over time.
Below are 26 ideas to inspire intentions, to compel creativity and to activate
aspirations!
Find someone to keep you accountable. Someone who is vested in their
dreams and values service so you both will uncover solutions and experience
everyday excellence!
In the words of Mark Twain, "The secret of getting ahead is getting started."
1. Acknowledge
Recognize that you are responsible for your life and be willing to change it.
2. Believe
All great accomplishments begin when you visualize the possibility of your
better.
3. Choose
Altering your outcomes requires new information to make a different decision.
4. Drive
Overnight successes are rarely overnight. Consistent persistence will always
win.
5. Excite
Excitement for you goals, dreams and vision is contagious! Stay excited, others
will eventually come around.
6. Faith
Believing againstall odds when you can't see the end and no one supports you.

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7. Gratitude
If you are not happy here, then you probably won't be happy there. It's the
journey not the destination.
8. Help
Be humble enough to know that you do not know everything and cannot do it
alone. Ask for assistance.
9. Imagine
Do something different to have something different. Spark your creativity by
incorporating new information.
10. Journaling
Keep your thoughts where you can find them. You never know what great idea
written today will be your goldmine tomorrow!
11. Knowledgeable
Be so well informed, learned, and cultivated that people are drawn to you for
their own enlightenment.
12. Laughter
If you aren't enjoying yourself find something else to do. Life is too short!
13. Mistakes
You must be willing to fail in order to succeed. So get prepared to make lots of
mistakes on your way to success.
14. Nurture
Protect your inner peace by taking time to listen and nourish your mind, body
and soul. Replenish as necessary.
15. Opportunity
People will always be your greatest assets. Treat everyone as if they are
bearing gifts and you'll never go hungry!

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16. Preparation
Systematic planning will have you ready for a variety of outcomes.
17. Quiet
Regularly schedule time to listen to your own intuition so you can know your
purpose
18. Relentless
Solutions are achieved and answers are found by those who refuse to give up
pursuit.
19. Serve
Be a solution for others and you will soon find your results.
20. Teamwork
Have faith in those you're leading, and they will have faith in you.
21. Uncomfortable
To have what you've never had, do what you've never done... that's not
comfortable.
22. Values
Let your behaviours speak volumes about your beliefs.
23. Words
Use them wisely. The more you uplift others, the more you too will rise.
24. Xecution (had to use a work around)
Your life of excellence will always be equivalent to your executed efforts.
25. Yes
Align with your purpose and accept opportunities as already achieved.
26. Zealous

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Become your own #1 fan and the world will soon cheer with you!
When you apply these activities from A to Z, your actions will assuredly
accomplish and achieve the AMAZING! Dare to DREAM!
The Life You Deserve To Live
"The givens of life are gifts because they are the ingredients of character,
depth and compassion," states David Richo in The Five Things We Cannot
Change. (Please google David Richo to learn more).
There is celebrated wisdom in that simple message and when overlooked it
results in life's ensuing dramas.
Being irrational creatures, we fail to see past our tragedies to realise life gives
us encouragement even though it may not appear in the form we expect.
Yet your time here is not meant to be a cycle of pain and suffering. It is within
your power how you choose to respond to life's unfolding events. Contained
within that choice are your greatest lessons if you withhold judgement on how
life should develop.
To concede defeat, you award power to those unpleasant events by
perpetuating the victim role, which is an easy trap to fall into. And so, with
restrained patience we remain vigilant in how we respond to life's ups and
downs.
Happiness is a choice, not an unattainable goal.
You move toward happiness the moment you declare your intention to do so.
Equally, we may be content, yet happiness may elude us. When happiness
entails our material and emotional needs being met, we allow it to permeate
our lives with unbound richness.

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With our basic needs fulfilled, we want nothing more than the comfort of
being present within our own body. Even unwanted thoughts fuelled with fear
or anxiety is powerless over us since they are transitory states.
Your obligation is to abide by something deeper if you wish to live the life you
deserve. Stand for something which conveys control and a reason to attend to
the day.
We receive what we ask of life.
What we claim equates to our self-worth. Our self-worth is in direct proportion
to the sum of our life's experiences. You cannot demand more if you are
undeserving at some level.
If you have issues with receiving, this is likely to show in how much life affords
you. However, if your beliefs coincide with what you deserve, that becomes
your reference point.
Unresolved childhood wounds are often related to unworthiness issues that
perpetuate through maturity. Perhaps your main caregiver convinced you of
your unworthiness and you have held onto this all this time.
In his book, The Mind Body Code, author Dr Mario Martinez affirms this point
stating, "You were never robbed of your power or your worthiness; you
inadvertently disowned them."
For that reason, avoid responding to subjective thoughts to what is lacking. Do
not concede to disempowering thoughts based on an internal script. With
enough energy, these learned beliefs sooner or later transform into negative
states.
Your reality is formed by aligning with your deepest values, not by reciting
worn-out childhood inner dialogues. This is not who you are, any more than
choosing to associate with your childhood toys. Reality is reflected in your
thoughts, desires and beliefs on what you deserve and are willing to accept.
"Because if the decisions you make about where you invest your blood, sweat,
and tears are not consistent with the person you aspire to be, you'll never

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become that person," states Clayton M. Christensen in his book, How Will You
Measure Your Life?
Be bold through your willingness to commit to your dreams. Don't be pushed
by life's failures since they often redirect you to a better-suited destination if
you allow the journey to unfold.
Be moved by your passion and your heart's desires.
There is discussion these days on the merit of visualising a purposeful future.
Whilst much of the advice comes from well-intentioned life coaches, the
guidance invites you to call on your imagination to bring reality to life.
You have to believe it before you see it maintains the biblical saying. To
embrace the life we deserve, we step into our greatness notcower from it. You
have nothing to fear other than fear itself, which holds you captive by playing
small.
Marianne Williamson reminds us, "Our deepest fear is not that we are
inadequate. Our deepest fear is that we are powerful beyond measure." Just
like a double-edged sword, if we shy away from our magnificence, it has the
potential to impair our growth if we fail to use those gifts.
I enjoy Steven Press field’s view, "A child has no trouble believing the
unbelievable, nor does the genius or the madman. It's only you and I, with our
big brains and our tiny hearts, who doubt and overthink and hesitate."
Be present and alive in each moment instead of floundering in the past or
focusing on an imaginary future. Many people prevent a promising future from
arriving due to negative thoughts and a belief they are undeserving of
goodness.
To create the life you deserve, take inspired action and move out of your
comfort zone. "Life happens at the end of your comfort zone," declares Neale
Donald Walsch.
In honouring this intent, author David J. Schwartz acknowledges this belief in
The Magic of Thinking Big, "Believe it can be done. When you believe
something can be done, really believe, your mind will find the ways to do it.
Believing a solution paves the way to a solution."

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I opened this piece with a quote by the prominent psychotherapistDavid Richo
Ph.D. who asserts that life's gifts are the ingredients of character, depth and
compassion.
To affirm these endowments we must face our challenges with binding
conviction and a resolute heart.
For in striving, we attain inner freedom and as the saying goes "No matter
what the size, colour, or shape is, the point is still to lean toward the
discomfort of life and see it clearly rather than to protect ourselves from it."
Essentials for Making £1 Million from Scratch
Making a million pounds is a big dream that many individuals have. The
financial freedom that comes with being a millionaire is enough of a lure for
any person, in any profession to take on this type of challenge.
But how do you make a million pounds with no base to grow off of? The good
news is, below are some tips that anyone can use to help them make £1
million from scratch.
1. Find a mentor who has done it.
A mentor can be your greatest ally in your journey towards making £1 million.
If you have someone looking out for you who has done it before you can gain
valuable insight that can truly make the difference in your success.
2. Know that you don’t need to be perfect.
You don’t haveto be perfect and you don’t haveto do a perfect job every time,
but you must be dedicated. Study hard, learns from your mistakes and never
give up you’re going to fail, and that is OK, but it’s all about how you react to
that failure that will help you in the long run.
3. Remember that small gains add up.
You are not going to make £1 million in one deal, and you aren’t going to make
£1 million overnight. Most people have made their million pound goals in small
successes, with £1,000 gains at a time. You don’t need to make £100,000 in a

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single win to be on your way to being a millionaire. It doesn’t matter what you
start with.
4. Don’t expect success right away.
You are not going to reach your goal in a matter of days, weeks or even
months. Don’t focus on how fast you can reach your goal; focus on learning
and increasing your knowledge base first. This will help you make a stronger
foundation for future success. Remember, profits come as a result of
education.
5. Assume you have to work harder than everyone else.
So many of us want what others have, but we don’t get it. This causes so many
people to make excuses for why other people have the financial success that
we desire. Stop making excuses and just accept the fact that you are going to
have to work harder than others to get what you want. It doesn’t matter that
you are starting fromscratch or that someoneelse has family money or walked
into some financial success, in order for you to reach your goals, you are going
to have to accept that you will need to work harder than everyone else.
6. Have the right motivations in place.
Don’t just work towards your goals for superficial reasons. Yes having money
and notoriety is nice, but these are all superficial reasons for reaching your
goals. Challenge yourself to be the best you can be and think of the rewards as
a secondary benefit.
These tips aren’t the only thing you need either. In order to make a million
pounds from scratch you need to put in the necessary hard work and
dedication too. If you do, you may just find yourself making your first million
faster than you ever thought possible.
Everybody Wants to Be a Millionaire
"Be ye transformed by the renewing of your mind (Romans 12:2)" is a bible
verse we are all too familiar with. We are always renewing our minds, but are
we changing the way we think and feel about money?

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We've become addicted to easy ways to accomplish our dreams. We stay in
touch with our family and friends, and send birthday greetings and well wishes
using social media. Somehow making the phone call and having the actual
conversation has become burdensome. If we will not do the work to nurture
key relationships, then we will not do the work required to change our beliefs
and actions to the level required to make it to "millionaire" status.
So we look for the easy way to become a millionaire. We choose to play the
lottery. This lottery consciousness has taken us by a storm. 20% of people
regularly invest in a game, with the hope of winning, that has the worst odds –
1 in 60 million. But everyone wants to be a millionaire. And this seems to be
the quick way.
But Proverbs 10:4 says "Lazy hands make a man poor, but diligent hands bring
wealth."
Money is energy and all energy is creating with our relationship with our
thoughts, feelings, images and action. How you feel about money plus how you
circulate money will determine your financial wealth.
Developing a millionaire mind-setor consciousness is required if you are to "Be
a Millionaire"; and it is easier than you think. Because 85% of all millionaires
and 75% of all billionaires are self-made, the odds of becoming a millionaire
are better than the odds of winning the lottery.
Let's start with the easy steps.
Gratitude - Where you place your attention is what you create. Every day write
down 3 - 5 things for which you are grateful. This keeps your mind focused on
positive things. The Happiness Advantage has proven that the brain works
better at the positive and not the negative. When you are happy, your
productively increases by 31% and 40% more likely to receive a promotion.
Stop Hosting Pity Parties - In the midst of challenges in your life, look for the
win-win. Stop associating with "pitiful" people; people who are always
complaining, always sad and never had good things to talk about.

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Don't Talk About Your Problems - You can never rise above the level of your
conversation. Practicethe 80/20 rule. 80% of the people don't care and 20% of
the people are glad it is you.
Know What You Want - One of the biggest obstacles to making money is our
lack of understanding. But to make money, you must be financially literate.
Visualization will help you see yourself in your wealth, so create a mental video
that you watch several times a day and create an audio recording using your
voice that contains statements about your successes.
Create a Roadmap
1 Build a bridge between visualization to reality by setting goals
2 Set daily, weekly, monthly and yearly goals
3 Daily complete 5 things toward your vision
4 With each goal, list action steps that you will create.
With these steps you are well on your way. "Whoever can be trusted with very
little can be trusted with much." Remember life is too short, dream Big
Two Reasons why You Are Not Wealthy Yet and What to Do About
We live in an age where creating wealth is becoming increasingly easier and
yet people remain caught up in poverty.
Maybe, you wonder why you are not wealthy yet and you keep looking for all
the tips, tricks and strategies available to help you get rich but have you
stopped to think that it may be your thinking getting in the way?
If there is anyone in your environment that seems to be doing okay and you
are not, then surely, you see that there are changes you must make to the way
you approach wealth attraction.
Here are 2 reasons that may be getting in your way.
1. You Are Not Investing In Your Education
For some reason, you seem to think that schooling ended when you left school
and so you do what you must to keep a hold of a career you no longer

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completely enjoy but you do not do the REAL work of gaining an education
that will enable you to be rich.
There is so much information available now, so that is certainly not the issue
but you choose to undervalue yourself and refuse to invest in ongoing
development in the areas that you want to build your life around.
Be curious. Choose to find out more about your strengths. Choose to apply
that information into your everyday life and you will find that you expand
beyond your current career into a business that enables you to flourish and
creates an abundance of wealth for you and your family.
2. You Have Not Made A Solid Decision To Be Wealthy
You think you have but really, you have not. Take a look at your life and see
that everything you currently have, you took personalresponsibility to achieve.
Your career was a matter of a strong will and determination to succeed, the
house you live in is a result of the same, the car you drive is also a result of the
same tenacity.
The problem for you is that you believe that you are only capable of what you
have currently so that is what you get.
You worked hard to get to this level but then you assumed that it was now
okay to settle down and enjoy it because anything more would be greedy. You
still feel dissatisfied but you find it hard to really believe you can have any
more so you are not fully committed to making it happen.
And so, you stay in place. Today, choose to set yourself a new goal and refuse
to back down until you achieve it. It is all within your power. You have already
achieved a lot; do not stop now just because you have flawed thinking about
what you are allowed to have.
The power dwells within you. Use it!
Step Forward In Faith
If you want to move forward in life you have to take the first step. If you just
stand there then you're going nowhere.

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Sure it's hard to step forward. You're moving out of your comfort zone.
You're nervous, you're unsure, and you might have that strange feeling in the
pit of your stomach that makes you feel, well, not so well.
It might be much more comfortable for you to pull up a chair, sit down, and
decide that it's not so bad right here after all, because, well, it's just too scary
out there
But then there is that dreamcalls to you as you're justfalling asleep. Ittells you
"Move to the next step. You can do it."
And you sit bolt upright in bed and wonder- what should you do? Should you
stay where you are, it's comfortable and it's familiar to you and it's a place
whereyou know you can meet any challenge successfully because you've done
it so many times before?
Or should you listen to that little voice that calls to you? It is your "inner you"
and it knows you well. It tells you to move forward.
One step and then another. Push your fear aside because what waits for you is
far greater than anything you'll encounter by just standing still.
Take that chance today. Move forward because you can do it!
And besides, you'll never know unless you try.
Regrets of the Dying
The number one regret of people nearing death was this…
“I wish I'd had the courage to live a life true to myself, not the life others
expected of me”.
This is the most common regret of all. When people realise that their life is
almost over and look back clearly on it, it is easy to see how many dreams have
gone unfulfilled.
Most people had not honoured even half of their dreams and had to die
knowing that it was due to choices they had made, or not made.

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It is very important to try and honour at least some of your dreams along the
way. From the moment that you lose your health, it is too late.
Health brings a freedom very few realise, until they no longer have it.
When you are tempted to give up on your passion, either by frustration or
peer pressure, ask yourself, haveyou ever heard anyone say "I regret pursuing
my passion", or "I wish I haven't pursued my dream"?
Also think about all the times you heard someone say, "I regret not seeking my
passion."
The best and safest time to pursue your passion is when you have the least to
lose. Whatever you pursue, pursue it with all your heart and soul.
That's the only way to succeed at what you pursue.
Even if you don't succeed in the sense that you get material gain from it, the
spiritual gain you get will more than make up for it.
Anyone can find their purpose in life. You do not have to be someone special
to live a life with meaning. Finding your purpose is all about being happy with
yourself. It is about experiencing every single moment in life to the fullest.
In conclusion
My dear brothers and sisters, we are all God’s children with talents and
capabilities to make choices in life whether to be financially capable and live
our lives to the max. Some of you may probably say that money is evil?-no it is
what you do with the money?. I challenge you as a child of God that our
heavenly father is a rich father who wants His children to be rich and has given
us all the resources to do so. It is up to you to get up and put all these
resources within you into money yielding action.
Xxxxx Wish you all the best. Xxxxx
Please note that this paper is written with the inspiration and adaptation
from my mentor Daniel Dwase the Author of the silent millionaire.