Financial Independence: Making Up Your Mind

Financial Independence

Making up one’s mind seems to be one of the biggest challenges we face when it comes to decisions making. We may desire to cultivate a certain habit but fail to gather enough will power to follow through on a consistent basis until we get the desired results. We often make a few attempts and then fall back to our old habits. The challenge is in getting to that place where our minds is fully made up. it may involve making up our minds until our minds is fully made up. We tend to foot drag and tolerate what we ought not to tolerate, giving ourselves excuses while we are frozen on one spot. The we give excuses.

For most people, the excuse they give for being perpetually broke is that of not enough money. Deep down, we know that more money does not solve our money problems. Rather it compounds it by generating more expenditure. As an employee whose income goes up every year – either through annual performance appraisals, negotiations, periodic reviews due to inflation etc. The salary goes up year on year but the worker is never satisfied. The ends stubbornly refuse to meet while the end of month vigil for salary payment goes on everywhere they are employees no matter the size of the pay packet.

What triggers change in people is a topic that has fascinated me for a while. I went in search of the mystery until I finally stumbled on it. There is a certain place we get to where change happens. There is a certain threshold we hit and decide we’ve had just about enough.

Enough is the place where change happens – when enough is enough. We cannot take it anymore. Change must happen now! Some called it the tipping point, or when the cup runs over, also when you cross the red line. For most, anger plays a big role. We tolerate and tolerate until we get to a point we explode and vow never again! We may tolerate a job we hate until one day we just could not take it anymore, we stand up and walk away.

We can get used to being broke and always not having enough, always scraping the bottom of the barrel until you hit the thresh hold and say ‘This is it. Not again! I will do whatever it takes. I cannot continue living like this’

Until you get to that point, your attempts will be halfhearted – save today, spend it a month later, do list shopping today, give in to impulse tomorrow, buy assets today, resume your love affair with liabilities tomorrow.

What would it take you to say ‘Enough is enough. I cannot continue like this. I will do whatever it takes to change’?

What would take you to your tipping point?

Usiere Uko is a writer and author of Practical Steps to Financial Freedom and Independence.

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Usiere Uko is a personal finance coach, writer speaker and author of Practical Steps to Financial Freedom and Independence.
He also writes for Punch AM Business, Leadership & Lifestyle and Today’s Lifeline magazines.
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