CONCLUSION:THESE 5 THINGS MAY PREVENT YOU GETTING YOUR DREAM JOB AS A WOMAN

Hello,
In the previous post, we started 'These five things may prevent you from getting your dream job'. Here is the conclusion of that post with a short personal experience.

 

WEALTH PRESERVATION AND WEALTH TRANSFER (SERIES FINALE)

Hello,

Wealth preservation and transfer will be the final post on the taking control of your finances as a woman series. I have confirmation that our resource person will do us the honour of writing on wealth preservation and transfer and I am eager to have her point of view but in the meanwhile, here is mine.

Wealth preservation includes all the decisions taken and actions geared towards ensuring acquired or created wealth is not lost. This can be done by reducing investment charges and other charges which deplete your funds, also by investing in extremely low risk instruments and ventures.

Quick reminder, we have examined Basic survival needs of a woman, Saving as a tool in financial planning, Cutting down cost, differentiated between savings and investment while emphasizing that they are not one and the same, wealth creation where we advised you to increase your source of income, in an earlier post series we have suggested you start with education and mentioned that it did not have to cost you (you may wish to see how HERE), wealth management and also talked on what to do when you have fallen off track with financial prudence.

Wealth transfer can mean the passing on of wealth from one to another

WOMEN AND RETIREMENT: HOW DO I RETIRE SEAMLESSLY?

Hello,

60 is the retirement age of Nigeria's workforce. There have been arguments for the adoption of a new retirement age. Some make a case for the adoption of 65years and some others 55years, whatever happens, one thing is certain we will not work at our jobs forever.

It is very important to clear the misconception that a lot of people hold. They believe all that matters is proper planning for the moment when retire and get a lump sum called gratuity, only then they try to start the business of their dreams. The problem with this is that they may spend their gratuity learning the business of their chosen fields through common beginner mistakes.

WHEN SHOULD I TAKE A LOAN?

Hello,

In Economics, we learn about the sources of finance. Loans are one of the sources of financing. We also hear that debt is good for business but many of us wonder is debt really good?

HOW DO I CUT DOWN MY COST (TAKING CONTROL OF YOUR FINANCES AS A WOMAN) CONTINUED

Hello,

So sorry this did not come top of the morning, had internet connection problems (could the rain have been responsible for it? I don't know) but here goes:

This is a continuation of the previous blog post; if you have not seen it, please go here and start there.

HOW DO I CUT DOWN MY COST (TAKING CONTROL OF YOUR FINANCES AS A WOMAN)

Hello,

There are many ways you can cut down your cost; you need to know what you spend money on, how you spend money and what you need to spend money on.

Let me rephrase, you need to keep track of your previous expenditure, understand your spending habit and create a budget (have a criteria for items making it to your budget – urgent and important) and look for alternatives (hitching a ride or walking).

FINANCIAL PLANNING: SAVING as a tool in taking control of your finances as a woman

Hello,

Let me start with a few wise words which my lecturer in the university taught. It may have its base in education but I consider it wise. Here goes:

Do not buy what you can rent, do not rent what you can borrow, do not borrow what you can beg for.

It basically means take the least expensive option always.

Common also, people mistake savings and investment to be interchangeable. They are not synonyms, investment is money set aside for creation of wealth and savings is well, just savings (kept aside for emergencies and future occurrences).

TAKING CONTROL OF YOUR FINANCES AS A WOMAN: YOUR SALARY IS NOT SUFFICIENT?

Hello,

In the second post, you must have read that no 9 – 5 job can be called wealth creation. At best, you are helping another create wealth which is good in a sense but not what you set out to achieve. This is not to say that it is wrong to have a job, many people begin from working jobs and using salary to create wealth.

I honestly have not come across a person who is so content with their pay cheque at month’s end; this goes a long way to show that wealth is a thing of the mind. While struggling to create wealth, one has to be ‘content but hungry’. Content enough to know that it is not money that makes a person happy. The pursuit of money is almost never ending but you need to be hungry enough to want to ‘get up’ and create wealth (Trust me, the process is not a blink).

If you feel your salary is not sufficient to meet your needs, guess what? Half or more than half Nigeria’s population feel same. The only difference between most is their ability to manage scarce resources.

A WOMAN'S BASIC SURVIVAL NEEDS

Ever heard of Abraham Maslow? If you took a course in human resources management, you did and you heard about his hierarchy of needs. Researchers or Scientists may argue about the ranking or sufficiency of his 5 needs theory but we cannot argue about the truism of his physiological (basic) need.

TAKING CONTROL OF YOUR FINANCES AS A WOMAN: WEALTH CREATION

Hello,

Wealth creation is the deliberate multiplication of your resources. In most cases wealth creation benefits beyond the creator of wealth, the community and the economy are beneficiaries of wealth creation also.

HOW TO MAKE FAMILY CHEER LEADING SQUAD ONE

Hello,

A successful woman remembers that she would prefer the presence of both her parents and her partner's attention at all times and know it is the same way (or to a different degree) her kids, wards and partner will prefer to have her time, input and attention in their lives. It is often better to have your family (Nuclear and extended to some degree) satisfied and prevent them from turning into clogs in your wheel of progress.

Do I really have a vice?

Hello,

Make no mistake about this, it has taken me weeks to get this together and years to get together this strategies from being curious about what made successful people thick. These are proven strategies I have been sharing for the last seven posts and we have yet two more to go in the series. If I were you, I would go back and see previous posts.

Why do I bother to share? Women (and everyone who reads the blog posts) need to be empowered in these economic times and find out what may have prevented the success which we all crave. 

List your top 5 vices.

I really do mean what I said, List your top 5 vices

Now lets get to it, do not get defensive or spiritual on me like this story of a person who went for a job interview and was asked what his weakness was and answered 'following the lord'. How is that a weakness? I think the candidate would have been more truthful saying 'lack of discipline in christian activities'. 

When we make our vice seem positive or excusable, we do not acknowledge it for the damage the vice/weakness does so please drop the self righteousness and critically examine yourself because success is what we are concerned with. If you need some examples of what vices are, here goes:

1. A shopaholic who cannot resist a 'good deal' or Always compelled to buy aso ebi every week

2. Lack of discipline with food

3. A talkative who does not have a limit to what they say and may pass on information to their competitors (also a proud, boastful attitude)

4. Drama queen or king

5. Mrs Emotional, overly sensitive... the list goes on, basically anything you find hard to put in check.

Let me pull a shocker and make this blog post short.

TAKE CONTROL OF YOUR VICE. With success, discipline is not optional.

Let me throw in a bonus, women also need to learn how to save ( blog posts about this coming up subsequently).
Remember we have two more posts on the how to succeed as a woman series. Do me a favor, leave me your comments, like, share on your social media platforms and subscribe to my blog posts. Thank you.

PEARL

HOW DO I NOT FEEL LIKE A FAILURE? NO JOB! NO PARTNER!

Hello,

If you have made it thus far, Congratulations, it shows you are benefiting from this series, remember this is part six of a ten part series so stick with me. If you have not read the past five posts, please do so.

You may say I have no job, how do I cope or start succeeding? Or I have a little education (or a lot of it), I have removed all stereotypes from my mind, I have even tried planning e.t.c. but I have also been searching for a job without success.



The unemployment rate in Nigeria is very high and most people who find work are not suitably placed, their capacity for performance is being underutilised. It is tough but remember tough times hardly outlive tough people. Remember Part 4 where you were advised to play with work/ work with play?. While you are applying to jobs, you may as well.
Remember Part 1 where we said get a little education (If you did not read it, you cannot understand it), it also comes in handy here. It is important to be busy while applying to Jobs.

Scan your environment, if no one will employ you, you have to employ yourself (Entrepreneurship). A mentor advised me never to look at myself as too big or educated to do any job or business including travelling to villages to buy from farmers and package for sale. While I did not do that exactly, I went to learn how to bake and would sell to my neighbours who had shops thus making money in hundreds (Did I mention I have an international M.Sc Finance?) while still blogging and play-earning with the radio. If you cannot get a job and still insist on working in a 9am-5pm, volunteer for free at an organisation and improve both your curriculum vitae and chances of getting employment.

It is also easy to feel like a failure when you do not have a partner in our society especially when you are approaching your mid 30's. Society seems to rubbish whatever achievement we have and think we got them by some preposterous and loose means. this is where Part 2 comes in handy for us.

Firstly, remember no other person holds the key to your happiness but yourself and you deserve a pat on the back for not accepting any 'Tobi' as your partner just yet.
Disabuse your mind of the stereotypes and do not get desperate, just be findable.

More important, read Part 2 : you are not a failure because you have not found a suitable pair, there is still more to life. most people find when they stop bothering themselves about it and focus on working on themselves to be better versions, they get positive result.

Lastly, We should not derive a value for ourselves from the number of relationships that did not work out for us. The reason I bother with these is because it is important to let the extra weight of worry go so you can focus on achieving.
FAILURE IS THE LAST BUSSTOP OF LIFE, THERE IS NO REASON TO FEEL LIKE YOU HAVE REACHED IT BEFORE YOUR LIFE IS OVER - PEARL

PEARL.