Do you still have that mentality that your financial life functions separately from your real life?

Well if that has been your thought then you need to change it because those two work hand in hand. This article is here to help you put it all back together and to transform your relationship with money.

You need to understand that money is one of the things we need to succeed in life but if you decide to make money your main priority in life then you are getting it all wrong because both will always work together. I am not saying that if someone put a gun to your head and request that you should give everything you have you won’t do. You will surrender for sure because your life is more important than your money or doesn’t it?  This goes a long way to say that you value your life more than money but wait and think a little bit about the person putting the gun on your front head. He or she is taking a big risk by coming to attack you knowing fully well that they can be caught or not. And the question should be, what if they are caught and killed? This will mean that they wasted their lives while trying to earn money. So it’s not all about you but also about other people. ___ Money and life goes together.

Meaning without money, life is useless and without life money is useless. And where I my driving too? I am opening your mind to what is called “financial independence”

Financial Independence has nothing to do with riches. Financial Independence is the experience of having enough.

I know you will say that you cannot save or effectively manage your finances because you have a lot of responsibility. Everyone has responsibly in life and yours is not new.  So, that shouldn’t be an excuse for failure. Once you have changed the nature and function of your interaction with money, your relationship with money will be transformed, you will reach new levels of comfort, competence and consciousness around money.

“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.” — Suze Orman

Being financial independence means working hard and saving a lot of money that can help you and your family for the rest of your lives.  Don’t say I prefer my life to money or I prefer money to my life. It doesn’t make sense at all. This is because both need each other for life to be successful. I know your next question will be but how can I be financially independent? You can always be financial independence if you decide today to follow these simple steps I will be giving you as we progress.  

One thing you must know before I go ahead in giving you the steps is that your relationship with money is reflected in the sense of satisfaction and fulfillment that you can get from your connection with your family, your community and the planet.  The connection and relationship encompass more than just your earning, spending, debts and savings; it also includes the time these functions take in your life.

Steps to become financially independent

1.               Make Peace with your Past  

Our past sometimes is the stumbling block to our success. Especially in our financial world.  Many of us dwell too often on the mistakes of the past or past condition to move our current state. Maybe you had experienced a financial loss before in a certain business and it has made you not want to start over again. But I am telling you today that if you continue to dwell in your past mistakes you will never make it in life. 

  You can’t move forward if you’re still hanging on. -Sue Fitzmaurice- Quotes On Letting Go

The only effective way to carefully manage your money and your life without getting to choose is by letting go of your past and making peace with yourself.

At times, you need to sit and add up all the money you’ve earned in your entire life, how much have you managed to hold onto? How much did you spend?  For most people, this yields an unpleasant surprise. But its okay, for there is no sense beating yourself up over past mistakes. But once you have done, you will be a relief and take the challenge to move forward.                         

We are influenced by many things even before we truly understand what money is so it’s time that we make peace with the past .    

Let go of the past, but keep the lessons it taught you. –Chiara Gizzi – Quotes On Letting Go 

2. Put Your Money to Work (investment)

Investment is one of the greatest achievements in life. Believe you me, if you work all your money and decides to save in the bank, it will be of no use in the future because unforeseen circumstances can decide to make you use up all of that money you have saved without even thinking twice. You have to understand that saving money is one thing, but to truly achieve financial independence, you have to be willing to put that money to work. 

I haven’t said saving money is bad but your goal should be to have your money, generate more money while you sleep.

There are so many businesses out there in which you can invest your money in. You can invest in real estate rental properties, flipping homes, or evening opens up a school. Maybe you haven’t noticed, schools now our days have become a great source of income as our population keeps increasing.

Stop spending your money on things that aren’t relevant. Even the Bible says, there is a time for everything so put that money to work rather than using it to buy expensive clothes or a car just to impress people. Let me tell you something, human beings are never satisfied no matter what you do they must talk so stop thinking about what people will say or think and put your money to work in order words invest

Too many people spend money they earned. To buy things they don’t want. To impress people that they don’t like. –Will Rogers

You can put some amount of money in your savings account each month for emergencies, but once you really start saving a good amount, you need to put that money to work.

3.               Don’t think about giving up

Most people have tried several times to be financially independent but along the way, something happens then boom they give up. You can’t really make it in life if you keep on giving up on certain issues or businesses in life. Nelson Mandela once said, “It always seems impossible until it’s done.” It is possible to reach financial independence. It will take a little bit of time, clarity and a lot of motivation. It’s easy to give up on goals after a few months, but it’s really hard to stick to one goal for an entire decade. But if you do stick to it, you WILL have the life you’ve always dreamt of having.

 Winners never quit, and quitters never win.” ―Vince Lombardi

Learn to go for your passion and don’t stop till you reach your goal. One of the challenges we face in life is going after the wrong dream and thinking you can achieve or succeed. Some people follow this path and succeed but it doesn’t work for everyone. You know why? That’s because you can’t be dreaming of another person’s dreams.

Some people tend to give up at times because of fear. Fear of starting over, fear of what people will say and fear of failure.   Fear itself it’s a problem so you can’t carry another problem and add it into another. You need to overcome your fears for you to be able to achieve your goals. But if you are facing a lot of difficulties overcoming your fears then click on this link to find out ways in which you can overcome them.

4.               Minimize spending

“Many folks think they aren’t good at earning money when what they don’t know is how to use it.” —Frank A. Clark

The biggest thing that will slow down your journey to financial independence is how you spend your money.

 “The secret to unlocking a wealthier you is to spend less, earn more, and maximize returns.”— Mike Rosehart

Most people tend to spend more than they earn. Spending more than your income will only make you to stay at the same position in life. So, you need to cut out unnecessary monthly expenses and learn to say no to things you don’t need at the moment.

“Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are.” —James W. Frick

Focus on big wins, such as saving on housing, transportation, and food. But don’t forget the easy wins either, which include cutting back on recurring costs. You need to minimize lifestyle inflation and funnel those raises into investments. The investments will generate income which will help propel you to financial independence.

I hope you now understand what I meant by “your money or your life” but before you decide to go on this journey of financial independence, you have the knowledge on how to achieve financial intelligent and financial integrity.

·   Financial intelligent

 In order to gain Financial Intelligence you first of all need to know how much money you already have earned, what you have to show for it, how much is coming into your life and how much is going out. Create a comprehensive financial plan of action that you can manage and implement on a daily basis.

·   Financial integrity

You’re living in financial integrity when your daily actions are congruent with your financial plans and the principles that lead to wealth.

 In short, you can only be truly happy when you structure your life so that you live according to principles that result in financial security… because those are your values. Anything else will lead to frustration and problems.

Last word. You do not need to choose between money and your life because you need your life to work money. Was this article helpful? Or do you wish to share your thoughts with us on how you achieved your financial independence? Then we will be grateful and pleased cause others can learn from your own experience. Please kindly leave your comments below.


  1. Mwiinga Lemmy says: Reply

    This is a powerful, educative and great article.

    1. thanks MWIINGA LEMMY

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