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The Top 10 Power Habits That Will Change Your Life

The Top 10 Power Habits That Will Change Your Life‘Sow a thought, reap an action; sow an action, reap a habit; sow a habit, reap a character; sow a character, reap a destiny.’ Our habits have the power to shape our future and destiny. Bad habits are destructive and should be eliminated. On the other hand good habits must be promoted and developed.

A habit is a practice, a custom, at pattern or tendency. And when you do something good, be genuine and do it from your heart. Based the question on Quora, What Are 10 Or Fewer Good Habits That Changed Your Life, here are the top ten good habits that changed people’s lives. They can also change your life if you apply them consistently.

1 Constant Reading And Studying

Constant reading and studying is linked to mental and spiritual wellness and fitness. Reading and constant studying is ranked highest of all good habits that changed people’s lives. Many people said ‘Reading a book every day before going to bed’ changed their lives. Some read 15 to 30 minutes a day on a topics of choice in various categories whether it business, inspirational, personal finance, marketing, psychology etc. Fiction and novels were excluded. One said ‘Books are man’s second best friend after dog.’ Instead of spending a lot of time watching TV, reading at least 12 new books every year opens ones world.

 2 Regular Exercise

No matter how you are good mentally, if your body is in bad shape, your mind and spirit will be affected. After reading, the second top habit that changes people’s lives is regular exercise. Asone said, ‘Working out is the epitome of discipline, treating your body as a temple and realizing the truth that no one, not your parents, not your sibling, not that girlfriend, nor the wife will be with you till the end of your life and in every second of it apart from your own body.’ Most people value exercise and work on it with the utmost importance and priority. Try running for 20 minutes, or body building/gym or simply walking or pick a sport of your choice. It was said that, ‘If you want to keep fit and not having that pot belly in your mid-thirties, then grab a pair of shoes and go! No matter how you look at it you will never regret a workout.’ Exercising or work-out for 30 minutes up to 1 hour regularly and feel the difference.

 3 Daily Devotional and Meditation

Daily devotional and meditation deal with spiritual wellbeing. It is ranked very high on the list of good habits that changed lives. It brings a person in tune with his body, soul and spirit, and prepares one to face the future challenges. Most people prefer prayer and meditation early in the morning and some any time of the day. ‘Starting each morning with a devotional is a great way to start the day.’

4 Good Eating Behaviour

Good eating behaviour affects the body. If you want your body to perform well exercise and eat properly. Eating healthier is ranked the fourth top good habits that change lives. This is not just dieting to lose weight but developing a healthy lifestyle. This include cutting fat, healthier nutritional intake, staying away from alcohol (and its consequence), drinking more water, avoiding junk foods, avoid carbonated drinks but taking fruit juice and staying away from any addictive substances.

5 Being True To Yourself And Your Convictions

Learn to say no is difficult, but ‘being true to yourself and your convictions’ is ranked the fifth top habits that changed lives. Being true to yourself and your convictions and not minding if some people call you selfish or opportunist for that. You just can’t make everyone happy.At times you got to take a stand, that could upset some one or other. Do not worry what people think. The fact is, people rarely think about you as much as you think they do. Don’t ever let anybody tell you that you are no good. Always believe in yourself, no matter what they say. Follow your heart but take your head with you. Life is short. Don’t waste your time on mistakes that could have been easily prevented by thinking twice and having an honest conversation with yourself. In short, to be successful, ‘do not follow the herd!’

6 Sleeping Habits

Sleeping refreshes your body. It was ranked the sixth top habit that changed people’s lives. Sleep at least 7 hours a day. Do not cut your sleeping hours. It was said rather go to bed early and wake up early, rather than going to bad late and wake up late. You cannot cheat when you come to sleep. You have to pay one way or another. Some prefer waking up at 5 am. Though it may be very difficult in the first few days, if you stick to a fixed getting-up time, you’ll be amazed at how energetic you feel for the whole day!

7 Volunteering

Volunteering is top on the good habits at number seven. Just do it in an organised way or just do random acts of kindness. It can be one hour you spend talking to that struggling pregnant teenage mother or that one hour bonding with that orphan which might change the course of their lives more than you could ever imagine. Be kind and smile at someone and help them, if it need. Also try helping someone anonymously.

8 Drink Water Regular.

Who would think that drinking water can be in the top ten good habits for success? Yes it is! Drinking water regularly is the eighth top good habit that changed people’s lives.  Many people drink water at the start of the day, other carry bottles of drinking water and other add lemon juice for detoxification. Most people indicated that drinking a lot of water reduces stress levels and keep the body healthy.

9 Writing.

Writing is mentioned as the ninth to good habit that changes lives. Some people write every day for 1 to 2 hours preferably in the morning. Some write for a blog and other write in a journal for a few minutes daily.  The idea is to put ones thoughts on paper.

10 Constant Introspection

Plan your life based on your dreams, goals and aspirations, but more importantly constantly evaluate the progress. This is the tenth top good habit that changes lives. Constant introspection involves ‘laying on the bed every night and then run the film of my entire day, or past week, month or year. It brings happiness, proud feeling, or at times brings guilt. Hence, reflecting regularly on what success means to you.

In Conclusion

The next top good habits include; 11) Being happy. Smiling more. Laugh every day. Be more appreciative. 12) Meeting new people regularly. Spend some time with different people each week or each month, 13) Good financial habits. Create a budget, save money, reduce debt and invest wisely. 14) Be fearless. Do not be afraid of people, doing mistakes or difficult situations. 15) Traveling to new and exciting places. 16) Marriage and family values. Give your spouse, children and family the attention they deserve. 17) Asking more questions. In this way you understand better. 18) Be a better listener, and you will get better. 19) Do not quit. End what you have started. Finish each job cleanly. And lastly, 20) Do not be critical of others.

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© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com/blog.

Posted in Leadership, Personal Development Tagged with: , , ,

What Are The Ways Of God?

What Are The Ways Of God?Guest post by Jonathan Buyala

God is a person and He has a character. Which means that if you know His character you can predict His response to something. His character is well documented an explained in the bible. Some people face situations and they wonder what God is thinking about that situation. For example, someone will get infected with a disease and then they are not sure whether God caused it, maybe He has a reason for it in their body, maybe He wants it to remain in their body a little longer. But this is not true. Character will define a person.

Forty years long was I grieved with this generation, and said, It is a people that do err in their heart, and they have not known my ways: Unto whom I sware in my wrath that they should not enter into my rest.- Psalms 95:10-11 KJV

Character sets boundaries in a person’s behavior, including God. If you know a person’s character, you know how they behave. Even if you have never met the person, just someone describing that person’s character will tell you what to expect of that person and what not to expect. The same thing applies to God. If you study the word of God, you will know His character, what He can do and what He won’t do. Therefore someone who is sick and know the character of God will know, that God had nothing to do with it. Anything that has the evil one’s signature to it is not of God, and God had no hand to play in it. This includes disease, sickness, all infirmities, poverty, famine, pestilence, earthquakes, etc.

Psalms 95:10-11 shows how God patiently for 40 years waited for some people to understand His ways. Promotion to another level will always require that you know God more. God had to teach the children of Israel how He works before He would let them into the Promised Land, but they did not get it for 40 years. The question is, what did they not get?

The principles of faith and trust. Their minds had been programmed to expect the worst. Now that God had appeared, they had found someone to blame for everything. One time they asked Him to prove His presence among them (Exodus 17:7). They just could not believe Him. After two or three miracles, they should have figured it out, that there is no situation where God is not available to help us, and to save us. Another time He told them not to collect more manna than was needed for the day, and not to have left overs. They still thought, “What if we have no manna tomorrow, let us keep some.” The next day, that manna got spoiled. He then told them not to go out on the seventh day to collect manna, and that they should collect double the previous day, some brave guys decided to go out on the seventh day to collect, but they found none. It is like dealing with a stubborn mind, which refuses to listen to anyone. After the behavior of the ten spies, God gave up on these guys. He decided a new generation would better understand, so the one had to die in the wilderness.

If you want promotion in the thinks of God, you have got to believe Him more, trust Him more, and understand His ways. You do not need to hear from Him to know He did not cause your accident. It should become obvious. Study the word more, know God more, and God will find you qualified for promotion. Amen.

If this word has inspired you, share it with someone!

Copyright © 2014 Christ Dawn.  All Rights Reserved.

About the Author: Jonathan Buyala

Jonathan Buyala is a former cricketer who traded in the game for the call of God on his life. He believes the word of God is the only way to transform a person, community or nation. He is the founder of Ministry Christ Dawn. You can find them at www.christdawn.org, or follow them on Facebook 

Posted in Personal Development Tagged with: , , ,

Is Real Estate The Next Big Thing In Zimbabwe?

Is Real Estate The Next Big Thing In Zimbabwe?Guest post by Francis Chinjekure

If the glimmers of improvement in once depressed real estate markets suggest something larger, then a long-term rebound may be getting underway mainly supported by the expected growth in real estate markets for the next 10-15 years. Though it’s quite early to make bold predictions about the rebound, positive developments have been noted in the sector fully supporting the notion. However, the growth largely depends on the successful commencement of the lined up projects, a stable macroeconomic and political environment together with the will of investors to continuously invest in the sector.

The real estate market has its main facades as Leisure, Industrial, Office, Retail and the Residential market. It is many people’s belief – especially in the current situation – that real estate is just a servicing sector to other sectors of the economy. People tend to overlook the potential of real estate as the main pillar of the economy. However, recent developments in the market are showing that real estate is a real investment platform that can be utilised to propagate broader economic development.

A snap survey of the market shows that the rental market has stabilised since dollarization with relatively low yields. The increase in arrears has remained a scourge and the prolonged legal process to deal with the defaulting tenants has done no good to the sector. Industrial redesigning for warehouse and light industrial production has shown some positive development while heavy industry remains idle or with very low capacity utilisation. Home prices have stabilized by a certain degree. Sales are setting records again, despite cooling efforts from the government, and people are worrying about a bubble. Home prices have doubled in the past four years. Real estate has the potential to become the driving pillar of the economy above all other sectors in the next decade.

So what’s stirring the real estate market to produce such hints of a budding recovery? This is one of the questions that one might intuitively answer by just taking a look at some of the headlines that have been on the news even without technical analysis. The market has been sending a lot of sentiments that reflect a budding recovery and great potential for growth.

There are a lot of projects that the government and the private sector have lined up to initiate in the near future. Major projects that are on the cards are the proposed expansion of the Central Business District (CBD) that will see some residential areas being incorporated into the CBD, the Mall of Zimbabwe that is due to be built in Borrowdale, the Russia-Zimbabwe deal could see new plant construction and employment creation, the construction of the multipurpose and multi-storey complex adjacent to the Joina City Mall in Harare and the recent calls by the Minister of Tourism and Hospitality to transform Victoria Falls in to Zimbabwe’s Disneyland.

Low income housing projects have also been on the increase in the bid to cover up the more than 1 million housing demand backlog the market has been facing. Here it seems investors are moving effectively to cover up the gap of which if the instance continues it provides potential growth to the market. CABS, for example, has successfully completed construction of 1 186 low income housing units setting the ball rolling for other players to tap into the gap. The case of affordability has been the major setback in such projects since the market was illiquid and potential buyers could not afford such houses. However, the recent announcement by CABS to extend their mortgage tenure to 20 years can provide solution to that problem enhancing more potential for the market to kickback.

A group of private investors and business community leaders have been having significant success transforming downtown areas of the city into a new hub for retailers, web-based and information technology start-ups. Several downtown properties that were in a dilapidated state for considerable time are being renovated and now house start-ups, computer services firms, clothing retailing and fast food businesses. Small wholesale shops are also being opened together with cosmetic shops.

Still in the CBD of Harare some properties are going through transformation and occupancy rates are slightly on the increase. The most noted development is the increase of Meikles Stores and other wholesalers in the south eastern sections of the CBD. Pick n’ Pay is also giving some old buildings a new lease of life contributing to the growth of the sector. Chinese developments such as the Long Cheng Plaza are also a positive development and attributes confidence on the market.

These signs of activity now visible in the real estate market do suggest there are some real potential here – and probably some serious opportunities.

About the Author: Francis Chinjekure

Francis Chinjekure is a Real Estate Research Officer at Real Estate Investor Zimbabwe and also the Director of Young Entrepreneurs Society Zimbabwe which is an association of Young aspiring entrepreneurs, College students, Young businesspeople and Mentors/Established businesspeople.  He holds a Bachelor of Technology Honors degree In Financial Engineering from the Harare Institute of Technology. To find out more, connect with him by email on fchinjex@gmail.com, phone +263 773 755 273, YES Zimbabwe blogLinkedIn or Facebook.

© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Business and Finance, Home Tagged with: , , ,

Empowering The Entrepreneur

Entrepreneur

Guest post by Francis Chinjekure

Entrepreneurship support can help boost the manufacturing sector.

In recent years, all over the world, the promotion of entrepreneurship as an insurrection to solving numerous economic and social challenges facing developing countries has been receiving significant attention by, governments, policy makers and the academic fraternity. Notwithstanding the attention that has been given, little has been done in trying to empower aspiring entrepreneurs and those in practice other than scuttlebutt street talk that has harped on the topic. With the said magnitude of awareness there is now need to take a huge leap forward through providing support to aspiring entrepreneurs

Entrepreneurship leads to investment and job creation

Entrepreneurship is the ingenious act of spotting an economic gap and marshalling the available resources in an efficient manner to move into that gap. It leads to investment and job creation. In spite of it being the most imminent way of solving both the social and economic woes bedevilling developing countries like Zimbabwe, little has been done for its promotion.

A lot has been said in encouraging entrepreneurship by the government, civic society, academic institutions and the corporate world. Why then does it seem like little change has been felt since such calls have been made for such a long time? Lest we change our approach to solving the problem, the status quo won’t be averted. Zimbabwe needs entrepreneurial education from a tender age supported by entrepreneurial promotion at a ripe age. By this I mean, pupils have to be taught entrepreneurship in schools and they then find the support they need to start-up as they are maturing.

An array of challenges is affecting aspiring entrepreneurs in their savvy and zeal to establish successful enterprises that can change quite a good number of livelihoods in the country. Main constraints include negative interference in markets, such as over-regulation and bureaucracy by government arms, especially in the process of registering a new start-up. This kind of interference is also being exerted by larger enterprises in the form of monopolies, collusion and unfair trade practises. In such cases, the government has to intervene to maintain fair competition for the protection of start-ups and promotion of entrepreneurship.

Challenges Entrepreneurs Face

Due to the said challenges, too many entrepreneurs are currently working in the informal sector of the economy. Few businesses are registered. Many of their businesses suffer from fluctuating production and have difficulties accessing capital and wider markets, poor infrastructure and other amenities and lack of structured land tenure system. All of these challenges are characteristic of the informal sector. Coupled with all of these, are government policies on increased taxes and ill-timed market liberalization which has meant that some entrepreneurs have been forced out of business or leading to static business growth.

The introduction of innovation and new products and services by entrepreneurs thrives in an environment where governments create the enabling atmosphere. This can be achieved through the use of institutional and policy objectives to establish the best conditions possible enabling individuals to bet on the future with the goal to creating value. Empowering people to take entrepreneurial initiatives and helping them to build formidable businesses has been one of the most effective ways of reducing poverty and putting  peoples  life into their own hands.

Entrepreneurship can only flourish in Zimbabwe if the government can help in removing the barriers to business start-up. The government can also encourage start-ups through the use of an incentive-based structure of taxation and regulation that rewards initiative and calculated risk-taking. Simple rules of registration allow businesses to start up quickly and get on with the task of providing goods and services to the market thereby contributing to the Gross Domestic Product (GDP) of the country. The level of regulation affects whether entrepreneurs make the positive choice of entering the formal economy instead of the informal. A positive choice will ensure more revenue to the government in terms of tax inflow and the plight of the people will also be uplifted as more wealth is created and more jobs are also created.

Promoting a Culture of Entrepreneurship

A stronger culture needs to be promoted among those who are not entrepreneurs especially the youth are an important target group in this cause. They can be encouraged to think about business ownership as a career option and to combine it with technical skills. Promoting such a culture among youth can be effected through the education and training system. The government can then take part in making the environment conducive for small business that can go a long way in poverty reduction through the development of vibrant and productive small enterprises.

About the Author: Francis Chinjekure

Francis Chinjekure is a Real Estate Research Officer at Real Estate Investor Zimbabwe and also the Director of Young Entrepreneurs Society Zimbabwe which is an association of Young aspiring entrepreneurs, College students, Young business people and Mentors/Established business people.  He holds a Bachelor of Technology Honors degree In Financial Engineering from the Harare Institute of Technology. To find out more, connect with him by email on fchinjex@gmail.com, phone +263 773 755 273, YES Zimbabwe blog, LinkedIn, Twitter or Facebook.

© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Business and Finance, Career, Leadership, Personal Development Tagged with: , , ,

Our Early Christmas Presents for You

Our Early Christmas Presents for You

We thank you so much for being part of It’s My Footprint blog. Your unwavering support over the years is appreciated. Since our launch in June 2012 we have received 218 853 visitors and 460 377 page visits to date with only 98 posts. This is an overwhelming motivation for our team.

Everyday many people wake up to seek the meaning of life. Some have travelled out there far and wide, deep and high looking for meaning. The meaning to your life is linked to your God given purpose. It is discovered right from within. You were designed and created for a reason; to perform specific functions and roles according to your design. No matter what people say to you, remember that you are special.

This is our message to you. I hope the last two months of the year will be exciting, drawing you closer to your purpose.

Here is the link to my three publications, Our Early Christmas Presents to You;

  • The Discipleship Series,
  • Tough Tips on Marriage and,
  • The Awesome Marriage Guide Magazine

Check them, download and share with your loved ones. The printed copies are available for sale.

Now, recently we uploaded on the site some awesome personal financial tools, that you must be part of your wealth creation plan. Check them and give us some feedback. Here is the link;

These publications are simple tools that will help you find and redirect your life, in your quest to pursue your purpose.

Share this email with someone.

On behalf of It’s My Footprint team we say thank you!

Blessings,

Taka

Posted in Business and Finance, Family and Relationships, Home, Leadership, Personal Development Tagged with: , , ,

To Those Who Are Facing Heavy Challenges

IMFP97

How hopeless is your situation? Do you feel that you at stuck in life, going round and round in circles? There is hope for you.

To Those Who Have Been Disappointed

Accept that you were frustrated or hurt by what transpired. There may be need to seek help in form of counselling, prayer or just someone to let things off your chest. Put up a plan to move out of the frustrated state. Do not team up with other frustrated people who continually mourn about how badly they were treated. But instead surround yourself with positive people, people who say that ‘no matter what happened you can make it.’ Remember that many people have been frustrated in life, some did not make it but others made it. Most of those who made it used the negative situation as a motivation for their success. Put up another plan for your live. Remember disappointments and frustrations are test and trails, the essential ingredients to build the right stamina for success.

To Those Facing The Challenge Of Unemployment

Take yourself as someone waiting for a job. You may not have a job but you have time, lots of it. Do not waste it because you may never have such abundance of time. Use the time to explore and discover your major talents and develop them. Develop your hobby instead of looking at what you do not have. In some cases the hobbies and talents people discovered in times of unemployment proved to be their calling. Some never looked for a job again. Concentration on your passion, talents and hobbies relieves you from the temptation to get sad and depressed. Study and develop new skills. Keep up to date with the trends in your career and industry. Develop a good network, not just to get a job, but for strategic reasons, and fun. Remember you do not just want to get a job but you want to stay on it and become one of the best. Do not be short sighted. So keep the bigger picture in mind.

To The ‘Stay At Home’ Mom Or Dad

Some of you are called to raise your family. This is one of the most noble callings. First embrace your calling and seek to be an expert. For your information stay at home parents have invaded a number of things and some of them ended developing businesses around this first calling. Have a clear plan of where you want to take the family and home. Get training in the respective skills you need like home economics (this includes budgeting, cooking, home décor, etc,) that is, how to run a home in an economic way, raising children, gardening, building management, marriage, etc. Remember there is also the extended family. It is not about cleaning and feeding people but it is about making an impact and being a blessing to your family and beyond.

To Those Who Failed At School or College Or At Work.

Many people did not make the pass grades at school. Some had to leave college or work due to poor performance.

I read the book ‘Millionaire Mind’ by Dr Thomas J Stanley who also wrote ‘The Millionaire Next Door’ few years ago. His books and papers are based on surveys of over 1,200 millionaires studied over 20 year period. Now, according to his studies most millionaires, that is, economic successful people, come from average students and many of them failed or were not accepted at colleges on first attempt. One of the stories I read is about Dane, a deca-millionaire. He graduated with a degree in marketing. He was fire from his first job two year later due to under performance. Well, by the time he was interviewed by Dr Stanley he had been fire from 7 jobs due to not meeting targets or under performance, and from 2 jobs because the companies were closing. On his 10th job the position was in marketing consulting. This job involved planning, analysing customers and making deals. Within few weeks he turned out to be the best performer.  And he ended up owning the company. In all these 9 jobs he was fired they involved talking to customers, but Dane was not a talking type. He was an analytical person who is excellent at preparing a deal. He was a ‘deal maker’ and that’s how he finally became a deca-millionaire. A little turn in his career changed everything.

The fact that you failed in one or two things does not mean you cannot do anything! Why worry about 1 or 2 things you cannot do well when there are 149 things you are excellent at. Find what went wrong and repeat. If you cannot make it again, trust yourself and your inner voice. At times change things around until you find your way.

There Are Four Types of Work Situations

There are four types of jobs/work situation; the work we enjoy and the work we do not enjoy. The work we are naturally talented at and the work we are not so talented at.

If you do work that you; enjoy and are good at it this is the ideal perfect situation. We can call it situation A. If you enjoy your work but not talented at it, we can call it situation B. If you are talented at your work but do not enjoy it, we can call it situation C. If you are not talented at you work and you do not enjoy it, we can call it situation D.

IMFP97 - To Those Who Facing Heavy Challenges

Find out where you are, in situation A, B, C or D. Finding out what you enjoy and discovering your talent is the most critical ingredient for your success. Start drifting towards your most the ideal situation.

Do not give up hope, because you were made for a purpose. Just discover it. Sometimes it takes more time than others. But if you seek you will find.

Finally

Remember that old Kenyan man who went to primary school when he was over 60 years old. Well, he made history, but more over his story was so inspiring that a British organisation had to make a movie, The First Grader, based on this story. And the movie got awards in 2010.

So, you see, your situation has opportunities in it. Look for them.

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Please share your thoughts, ideas and comments below!

© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com/blog.

Posted in Business and Finance, Career, Family and Relationships, Home, Personal Development Tagged with: , , ,

The Top High Schools In Zimbabwe – 2013

The Top High Schools In Zimbabwe - 2013

Despite having the highest literacy rate in Africa, Zimbabwe is still battling with huge challenges in its’ public education system. This is mainly due to a lack of funds thus causing problems such as deteriorating buildings, lack of supplies and a shortage of resources in general.

The latest economic downturn in the past decade compromised the public education system. This resulted in many schoolchildren temporarily dropping out of school, and teachers leaving the country for greener pastures.

These negative effects have been counterbalanced by the recent massive funding in public education by the United Nations Children’s Fund (UNICEF), the International donor community and the Government of Zimbabwe. This was made possible through the Educational Transition Fund (ETF) and The Basic Education Assistance Module (BEAM).

The worst seems to be over as Zimbabwe’s education is on the way to recovery. Bold steps are being taken to improve the basic education.

The ranking below is in terms of 2013 academic achievements posted on Wikipedia (http://en.wikipedia.org). Ordinary Levels pass means getting grades (A-C) and Advanced Levels (grades A-E).

Here is the rank Position, Name of School, Candidature and % Pass Rat.

Advanced Level Schools Ranking 

IMFP95 - The Top High Schools in Zimbabwe 2013 a

IMFP95 - The Top High Schools in Zimbabwe 2013 b

Ordinary Level School Ranking

IMFP95 - The Top High Schools in Zimbabwe 2013 c

IMFP95 - The Top High Schools in Zimbabwe 2013 dWe trust that this list will guide you in making a better decision for your loved ones.

For further information contact the following websites:

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© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com/blog.

Posted in Career, Personal Development Tagged with: , , , ,

How Most People Get Into Deep Debt

How Most People Get Into Deep DebtDebt is the slavery of the free! – Publilius Syrus

Debt is defined as ‘A sum of money that is owed or due’ [Oxford Dictionaries]. It is created by the difference between income and expense.  There are two types of debt; good debt and bad debt.

Good debt is an investment that will grow in value or generate long-term income. They include; mortgage, student or study loan, business loan etc.

Bad debt is debt incurred to purchase things that quickly lose their value and do not generate long-term income. These consumables include; clothing account, car loan, furniture, appliances, luxury items, flashy lifestyle, store credit cards, credit cards, holiday loan, restaurant meals etc.

Whether it is good debt or bad debt, debt must be managed. People get into extreme debt as a result of many reasons. Some of them are avoidable and others unavoidable. Here is a list of some of the explanations.

Avoidable Debt

Avoidable is preventable and unnecessary. It is created by choice and mostly because of lack of discipline, pride, lack of financial wisdom, poor judgement and poor decision making. This type of debt can be prevented by getting the knowledge and ability to make better decisions.

  • Keeping up appearance. Many have fallen into the debt trap trying to “Keep Up” with an image. This is prevalent amongst recent graduates and younger families.
  • Poor investment decisions. When you borrow money to invest, be prepared to lose it, therefore seek good solid advice before engaging in any business activity.
  • Poor financial management by failing to plan and control personal finance well. Inability to resist impulse purchases and lack of knowledge on how to buy goods and services effectively. Disciple is needed.
  • Gambling, alcoholism, drugs and other addictive habits cause financial ruin.
  • Little savings and lack of or absence of reserve funds for emergency. You need to build a reserve to use when disasters like accidents, death or sickness strikes.
  • Unmonitored credit card and over draft usage. Note that financial institutions are not friends. They are businesses. Their aim is not to protect you, but to protect themselves at your expense.
  • Short-term loans or payday loans. They will say to you ‘You can take it. Just pay me when you get paid.’ First check your budget to see if you can afford it, if not, let it pass. Many people buy unnecessary things just because they were told ‘pay when you get paid.’

Unavoidable Debt

This type of debt is caused by crisis beyond our control. However when disaster strikes, it calls for us to make the best financial decisions so that lose is minimised.

  • Medical Expenses and ill health. Sickness, especially chronic illness, can attack anyone at any time. When not covered by a medical aid, it can drain all the finances and leave people in debt struggling to make ends meet.
  • Underemployment and lose of employment causes a sudden cute of income. This can be mitigated by a corresponding reduction in expenditure. In general aim to create 3 months cash reserve.
  • Divorce or separation also causes sudden loss of income and huge legal fees. During family conflicts difference of opinions normally spill into financial discipline.
  • Reduced Income. Distressed companies can cut salaries to stay afloat during hard economic times.
  • Inflation and interest rate increase. Mortgages and loans are at the mercy of fluctuating interest rates. This causes increase in repayment rates amounts. On the other hand inflation causes increase in prices of goods and services.


How is your debt situation? If not good seek help. For some trick to get out of debt see my articles Stop Debt 1 and Stop Debt 2.

Additional personal finance tools can be downloaded from our Resources page.

If you enjoyed this article, share it with your most favourite friends!

Please share your thoughts, ideas and comments below!

© Copyright 2014 by It’s My Footprint, www.itsmyfootprint.com/blog.

Posted in Business and Finance, Home Tagged with: , , ,

Find Your Purpose in the Word

Living on Purpose

A number of times I have been asked what the Bible says about ‘finding your purpose’. In short, if your purpose line up with God’s purpose for you, you become unstoppable. If your will get synchronised with God’s will than you become indestructible, because you now carry a supernatural mandate!

Here is what the Bible says about your purpose;

Without counsel purposes are disappointed: but in the multitude of counsellors they are established. – Prov 15:22 [KJV]

Many plans are in a man’s mind, but it is the Lord’s purpose for him that will stand. – Prov 19:21 [AMP]

And God purposed that through (by the service, the intervention of) Him [the Son] all things should be completely reconciled back to Himself, whether on earth or in heaven, as through Him, [the Father] made peace by means of the blood of His cross. – Col 1:20 [AMP]

Purposes {and} plans are established by counsel; and [only] with good advice make {or} carry on war. – Prov 20:18 [AMP]

Now to Him Who, by (in consequence of) the [action of His] power that is at work within us, is able to [carry out His purpose and] do superabundantly, far over {and} above all that we [dare] ask or think [infinitely beyond our highest prayers, desires, thoughts, hopes, or dreams]– Eph 3:20 [AMP]

But for this very purpose have I let you live, that I might show you My power, and that My name may be declared throughout all the earth. – Ex 9:16 [AMP]

The LORD of hosts has sworn, saying, Surely as I have thought, so shall it come to pass; and as I have purposed, so shall it stand: – Isaiah 14:24 [AKJV]

O LORD, You are my God; I will exalt You, I will praise Your name, for You have done wonderful things, even purposes planned of old [and fulfilled] in faithfulness and truth. – Isaiah 25:1 [AMP]

For I know the thoughts {and} plans that I have for you, says the Lord, thoughts {and} plans for welfare {and} peace and not for evil, to give you hope in your final outcome. – Jer 29:11 [AMP]

Let this same attitude {and} purpose {and} [humble] mind be in you which was in Christ Jesus: [Let Him be your example in humility:] – Phil 2:5 [AMP]

For I have come down from heaven not to do My own will {and} purpose but to do the will {and} purpose of Him Who sent Me. – John 6:38 [AMP]

For this is My Father’s will {and} His purpose, that everyone who sees the Son and believes in {and} cleaves to {and} trusts in {and} relies on Him should have eternal life, and I will raise him up [from the dead] at the last day. – John 6:40 [AMP]

And we know that all things work together for good to them that love God, to them who are the called according to his purpose. – Rom 8:28 [AKJV]

You have proved my heart; you have visited me in the night; you have tried me, and shall find nothing; I am purposed that my mouth shall not transgress. – Ps 17:3 [AKJV]

I will cry to God Most High, Who performs on my behalf {and} rewards me [Who brings to pass His purposes for me and surely completes them]! – Ps 57:2 [AMP]

To everything there is a season, and a time to every purpose under the heaven: – Eccl 3:1 [AKJV]

He has made everything beautiful in its time. He also has planted eternity in men’s hearts {and} minds [a divinely implanted sense of a purpose working through the ages which nothing under the sun but God alone can satisfy], yet so that men cannot find out what God has done from the beginning to the end. – Eccl 3:11 [AMP]

I said in my heart, God shall judge the righteous and the wicked: for there is a time there for every purpose and for every work. – Eccl 3:17 [AKJV]

Let your eyes look right on [with fixed purpose], and let your gaze be straight before you. – Prov 4:25 [AKJV]

The thoughts {and} purposes of the [consistently] righteous are honest {and} reliable, but the counsels {and} designs of the wicked are treacherous. – Prov 12:5 [AMP]

Look carefully then how you walk! Live purposefully {and} worthily {and} accurately, not as the unwise {and} witless, but as wise (sensible, intelligent people), – Eph 5:15 [AMP]

Declaring the end {and} the result from the beginning, and from ancient times the things that are not yet done, saying, My counsel shall stand, and I will do all My pleasure {and} purpose, – Isaiah 46:10 [AMP]

For who has known {or} understood the mind (the counsels and purposes) of the Lord so as to guide {and} instruct Him {and} give Him knowledge? But we have the mind of Christ (the Messiah) {and} do hold the thoughts (feelings and purposes) of His heart. – 1 Cor 2:16 [AMP]

And the world passes away {and} disappears, and with it the forbidden cravings (the passionate desires, the lust) of it; but he who does the will of God and carries out His purposes in his life abides (remains) forever. – 1 John 2:17 [AMP]

Who, when he came, and had seen the grace of God, was glad, and exhorted them all, that with purpose of heart they would hold to the Lord. – Acts 11:23 [AKJV]

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In Your Dark Moments

Hope

It is a fact that in life we all go through tough times, times when all seems not to make sense; when the walls around us seems to be falling down. There are times when we have questions; questions no one is able to answer. But the good thing is that, in ALL these situations, there is someone who knows; and that we have the most powerful God on our side. And as we look to Him the situations start to fade and the questions become irrelevant. Our hope and faith is renewed and we are able to face the future. ‘If God is for us, who can be against us?

In those deep dark moments of despair, the power of God is made known. Though we walk through the valley of the shadow of death, we will fear no evil. Because our Father is the biggest thing in the valley! ‘Shadows of death’ don’t kill! They are just shadows. We bring the armour of light against the feelings of confusion, depression, hopelessness, desperation, lack and fear.

Keep taking small steps of change day by day. And as you do this, never underestimate the power of starting small. Rome was not built in a day. Life is not a sprint were everything is about speed. Life is a marathon! Speed is not the issue but it is about strategy, endurance, discipline and joy.

You have to rise above the ordinary mind-set and win the psychological warfare that says you are inferior. Remember that every exit is actually an entrance into something. It all depends on how you see and how quickly you adapt. Embrace your new environment and put up steps to take advantage of it. Ask God to enable you to see the new opportunities around you.

So enjoy your present and use it as a foundation for your great future. The devil thinks that he is burying you, but God is using him to set your future, because from this valley God is taking you to the top. You are on the right track!

With 226 days left in the year, 2014 is still your year, to rise up and take what belongs to you. Pick up the pieces and go. Pick up your weapon and slay the giant. It’s not over until it’s over! Just look to Jesus!

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Posted in Business and Finance, Career, Family and Relationships, Home, Leadership, Personal Development Tagged with: , , ,

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