KICK DEBT OUT OF YOUR LIFE

You will be amazed at how much money you can save on a monthly basis and be able to kick debt out of your life. 

The best way to start saving money is to get out of debt as quickly as possible and have the discipline to stay out of debt. People who have a lot of consumer debt and other loans do not have the cash flow to save in the first place. Debt-ridden individuals end up paying interest to the credit companies instead of earning interest on savings.

Debt can linger on and on for years, making it nearly impossible for people to save. Thankfully, there are many ways one can master to get out of debt but you just have to be willing to do so.

It’s not easy, especially if you’re used to being in debt, but if you have decided to get out of debt and you are really determined to do so, I have put down some steps for you to follow; 

• First I recommend listing your debts one by one. You may choose to order them from the highest interest rate down to the lowest interest rate, or the lowest balance down to the highest balance. The first method may save you the most money, but the second method is nice because it helps you to feel your progress. Whatever you decide, just make sure you attack one debt at a time.

• Second be sure to check out some ways to save money. Saving some money will help you pay off your debt and how will you do this? Start by gaining momentum on your saving, then find ways on how to reduce the interest you have on your debts, then make sure you pay up on the particular set date for you reimbursement. Don’t miss out even when the said amount is not enough explain to your loan agent so you come to an understanding but make sure you pay up. Once you have paid of your debt, you will be able to save more than before.

You’ll be shocked by just how much you can save when you have no debt. I encourage you to envision that now. What will it be like to be free of any debt whatsoever? What could you save towards for? How much further will each and every paycheck go? Grab onto this vision and let it be a motivation for your efforts.

Invest in your future by paying off your debt. It’s a guaranteed return on investment. You’ll know what to expect and, as you pay off each debt, you’ll have more money to throw towards your other financial goals.

Now don’t go back into debt! Spend less on every check, make sure you save more and find other streams of income to feed your push for things you think you can’t stop spending on. I will talk about more of income streams in my next posts will share the link when I do. For example, let’s say you love going out with friends on weekend have some fun, or you want to buy a new pair of shoes every month, find something that will compensate that amount you spend on these luxuries. Don’t quote me wrong, I am not saying don’t go out on weekends or don’t buy new things, it’s okay to spoil yourself but make sure you are still within your earnings don’t go back in debt after you have gone through the debt clutches, they can’t leave you safe one more time. Avoid debt for the rest of your life.

I would love to hear from you on how you have overcome that big debt you have. 

Don’t forget to share, like and subscribe. Follow by email if you can, so you can always get notifications in your inbox every time I publish something new.

Have a lovely debt free life.

5 SKILLS EVERY WOMAN SHOULD MASTER

• UNBLOCK YOUR AWARENESS

This is the key to genuineness every woman craves for.

Learning to hit the roof top in your own preference can be really fulfilling. Learning to understand your own being. Taking the time to notice your engagements and enjoyments, trying out new things, activities and experiences and honoring yourself enough to make time for yourself.

We normally get busy with family, and other duties that we forget our inner delights. Unblocking our awareness means that life is changing and those new discoveries await. So we need to be aware of what’s going on around us and how it can be beneficial to our inner being.

• GETTING OUT OF YOUR COMFORT ZONE 

Our growth and success are often relative to how many dangers we’re willing to take and how often we’re willing to let ourselves be uncomfortable. We fool our souls when we play safe. Getting out of our comfort zone doesn’t mean to take extreme measures like running a marathon, or taking the stage and dancing to ‘Ndombolo’. It simply means trying out things you thought were impossible or difficult to handle but starting out in baby steps and eventually reach your destination in great victory.

• SAY ‘NO’ WITHOUT EXPLAINING 

As the saying goes ‘when a woman says NO, she actually means YES. Sometimes you may really mean saying NO but the tone in which you say that NO is not the firm NO which means in the deeper you, you are saying YES. Many women don’t believe they can have what they want, so they learn to settle and their lives become filled with ‘Maybe’s and what if’s’. Some of the women realize that saying NO with clarity and without explaining is really about honoring other people as well as yourself. This gives you a peaceful inner feeling. 

Quoting the New President of Zimbabwe His Excellency CDE Emerson Dambudzo Mnangagwa, in his first speech he says; “It is impossible to please everyone, my mandate is to the people not to my advocates. The best leader must learn to say ‘NO’.’’ 

You can still say yes when you want, and that’s okay! But there is a wonderful sense of power in taking back your health and your life when you say no. Believe me, it feels so good after the first few times that you might want to start saying no to everything! 

Try it out. Say NO with clarity and don’t explain why you said NO. Let me know what happens. lukomaasociates@gmail.com

• LISTENING WITHOUT VERDICT 

I am convinced that most people don’t know the meaning of listening. Many will argue with me saying listening is listening and that’s it. When you are listening to someone talking, you wait for your turn to speak that only means you are judging rather placing a verdict on what the other person is saying so you respond in judgment. We spend most of the time judging or playing verdicts instead of listening. Learning how to truly listen without judgment whether to someone else or to yourself changes lives, it awakens the intuition, it heals and empowers the speaker, and it enriches the present moment. So let’s learn to listen without judging.

• LETTING GO OF THE NEED TO ‘FIX’ 

Stop wanting to fix everything or everyone, some things are not meant to fix. Sometimes we just need to understand that when trying to fix another person, you are robbing them of their own empowerment. In such situations, it’s often you fixing yourself rather than them. Allowing others to find their own wisdom to make their own mistakes teaches them to learn from them and even accept the present moment as well as the ambiguity that comes with their decisions. You just have to let go. Let everyone decide for themselves.

There you have it. Those are the 5 skills every woman should master so as to live a fulfilling life.

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Share your comments below; I will be happy to respond to all your comments.

IMPORTANCE OF MAKING A PLAN FOR YOUR FINANCIAL GOALS

First we need to ask ourselves; do I really need to invest my savings? Is it better to invest than to save? What are the benefits of saving vs. investing? If you have the answers to these questions well and good, now let’s put up a plan for whether to continue saving or invest.

If you have long term goals I suggest you invest, if you have short term goals saving would be the best choice. Let’s look at the table below;

Set your savings goals As you can see from the table above, you probably have quite a few financial goals. They’ll all have different timescales, which means you might want to do some savings and some investing. That’s why it’s important to make a plan.

If you want to know how to get rich, history has shown investing in good businesses is a good place to start. Yet, unless you are good at saving money, investing in good businesses is not likely something you can do. It's important that you do not despise the day of small beginnings. No matter how small your savings account is now, with wise stewardship and disciplined cost cutting, you can someday be incredibly wealthy. Start today and thank me later but you have to do something. You need to act now. IF YOU FOUND THIS ARTICLE USEFUL SHARE, TWEET, LIKE AND DON’T FORGET TO SUBSCRIBE.

LOANS GRANTED IN 7 DAYS

Are you looking for a loan, do you want to improve your business, do you want to pay school fees for your child, are you looking at upgrading your diploma? Name it and you will have it.

These are some of the reasons why we get loans, there are many but these are just a few amongst most. Now I want to help you stop these loans coming in. Get a loan when its really necessary not unnecessarily. If you need advise on your finances we are here to help you. Just send an email to lukomaasociates@gmail.com and we will show you how to save and make use of your savings to earn you more money.

Money in the Bank is good but you need to save after you have invested. There are many ways of saving your had earned cash and I have put down a few of these Tips to help you save and later invest that saved money so it can work for you.

1. Use cash not cards. 2. Automatic deductions to your savings account from your monthly salary or daily earnings. 3. Monthly statements to enable you truck the money you use on a daily, monthly and eventually yearly expenses. Keeping a balance sheets keeps truck of your savings. "If you can't measure it, you can't manage it" 4. Avoid Advertising- reduce watching adverts, they lead to unnecessary buying of things on impulse. 5. Now Vs Later - It takes practice to cultivate delayed gratification, make sure you buy things that you really really need. 6. Turn the Price into hours - Say, that $100 T shirt you saw in the store a few blocks away, ask yourself how many hours you will need to work to earn $100 and then think if its worth it. 7. Focus on how you can increase your income rather than reduce your expenses. Imagine increasing your income by $300 per month this will help you pay your bills and increase your savings. Thank you! Those are some of the tips of saving money and get rid of the loans. Remember DON'T BUY ANYTHING ON IMPULSE. See you on our next article on "HOW TO INVEST YOUR SAVINGS AND LET IT WORK FOR YOU." If you liked the article leave your comments below; Subscribe, Like and Share with your friends and family.