Needs vs Wants…keep track

Hey guys’ve again…:)

One of the things I have been conscious of in the last few months has been working through my budget or expenses and identifying what I consider a want or a need.

There are multiple guides online as to what should be considered a need, but at the end of the day, peoples circumstances and mindset dictate what is a need to them depending on their circumstance.

For me, most of my needs fall into the physiological and safety categories identified in Marslow’s theory(see diagram below).So for illustration purposes, my typical budget will look like this, rent, baby’s nursery fees, bills, credit card and debt repayment.All these listed fall under a must-do/needs category for me.Every other thing is a want as it makes my life more exciting or interesting but I don’t actually need it to survive.E.g of such things include ASOS clothing or shoe shopping and using streaming services like Netflix or Apple TV.

Your ability to discern or decipher which is which is what will help you achieve your spending goals, allow you to live within your budget/means but unfortunately this tends to become the tricky part.

I have been loving Dame Ramsey’s approach, as well as some YouTubers approach to minimalistic living and wise spending in general.Its something I have found to be interesting and incredible and actually very sustainable if you are disciplined.

As biased as this may sound,I would like to suggest that I favour that approach very much and would encourage readers to visit some of their content and start practising or living that way as I have tested it and it has been worthwhile.I have occasionally slipped, i must admit but in generality has been super helpful to me.

On needs and wants, a very honest and detailed review of your budget will be necessary to be able to decipher this so you know where to invest your money more and cut out debt or leakages.

Like I said for me, my wants are streaming services and are things I can generally cut back on to save some money and eventually get to the debt-free life I am aiming for.

As always,i hope this was a good read and all the best with reviewing your needs and wants.

Image is from Canva (not mine)

Believe in yourself

Hi readers,

Hope you are keeping well despite Covid-19?

I woke up this morning with this on my mind;BELIEVE IN YOURSELF.

I was wondering where it came from and I thought,is this message for me? As far as I am concerned,I feel like I need to tone down in many areas so i don’t become the overconfident and annoying person and I have found that I am gradually muting myself.

I am becoming so aware of this to the extent that i am starting to fight it and make sure that I remain exactly who I am whether it makes people uncomfortable or not.

My thoughts were confirmed a few hours later when I stumbled accross a video on Hustle and Heels’ Instagram page(HERE) of Bozoma St John speaking.She said in that video that she could not understand why people didnt see how dope she was around the age of 12/13 and I FELT THAT because I have had that literally all my life.I have felt misunderstood or misconceived many times in life .Here’s a link of what she said for some context…click LINK

As soon as I heard what she said,the message I had in the morning hit me again and this time,further weight was added to it which gave clarity to the message and I knew straight away that it was my message. Lollll😂

I say this because lately I have been dealing with a not-so-mild direction,autonomy or leadership issue with my own digital content with my blog,my YouTube, IG and other stuff in my personal life and I have been doubting whether the direction and paths I am taking are being influenced by my opinions,personal desires etc.

I have moving with extreme caution as result because I don;t want to make any unnecessary errors in this season and I seem to not trust my leadership especially now that I have to do things differently due to lockdown.

The message that was confirmed for me was;Trust what you are about,trust your own content,trust your gut when it comes to what you feel led to release into the world without waiting for someone to endorse it or give me the go-ahead.

I was reminded that the right people will connect with my message and hesitation will prevent my message from reaching the right people at the right time.

I was also reminded not to delay,to act and to trust that there is a purpose for my content online and I should just believe in myself a tad more.

I am writing this thinking whether there are any other areas of my life that this message applies to and the answer is yes which means I have some growing to do(HOW I LOVE GROWTH)

For anyone reading this who feels like they could do with a bit more confidence or believing that they are worth soemthing,or that they can contribute something,or evven that they are annointed to contribute,I urge you to have more faith in yourself,to trust that you are more than capable and that you are offering as much quality as anyone else or another person you are looking to endorse or approve what you come up with.

I just want to encourage you to keep going and give your best while you can and the right impact will be made in the right time.

So in the mean time big up yourself and above all trust that you are led by God and so you cannot get it wrong!!!

Speak soon.x