Financial awareness. How. You are now in the future tomorrow of yesterday. Part II

Hallo thank you for either opening this blog for the first time or coming back to read Part II. For the former I would advise you to read Part I and then maybe take a break before reading this part, but its not absolutely necessary because it focus mainly on the reasons ‘why’ and maybe you the answer to that question already. For the latter welcome back!

Well being financially aware means we are conscious of our own present financial situation and future prospects and take active steps to create, grow and preserve our financial stability. The traditional age-old method of doing this basically involved putting a fraction of our spendable income aside after expenses (otherwise known as necessities) have been paid. The most common place to set these funds aside (apart from under our mattresses) is in a banking institution by opening a savings or deposit account. For generations this basic form of investment was both sufficient & efficient in itself due to the interest paid on the amount saved that if left alone grew and compounded in value over a period of time. However in recent years this conservative method of investing is being questioned and undermined by an unprecedented globally unstable time period that has been even more aggravated by this current Covid-19 pandemic. Basically at present, a person will lose money if he leaves it in a bank (while ironically a person can earn money by intelligent borrowing) due to the historically low and negative interest rates. (The mattress could become a viable alternative again)

Admittedly a large number of young people are fully aware of the current economic situation. They realise the need and urgency to be financially awake and the need to take proactive steps to invest in their financial future now.

This simple post is to caution these young people and encourage those who may still be sleeping.

Broker agencies have also decided to take advantage of the growing interest in the Stock Markets (as a viable alternative form of investing, both long and short term) by making that normally exclusive world even more easily accessible to the average man on the street by, applifying, ( I know I just made that word up) the technology to peoples smartphones. However this development has only served to aggravate an existing problem.  “App investing” is contributing to an even greater number of people that end up losing money instead of making money (or worse yet, losing borrowed money they never really had in the first place).

The truth is, there are no shortcuts or quick fixes to winning the Stock Market game. The same goes for other forms of alternative  investing such as Real Estate and the buying and selling of precious metals.

However despite a constant lack of cash amongst some of us, we seem to have less trouble giving that away than having to sit down, sacrificing our precious time reading and learning about intelligent investing strategies. In addition to this, the extreme mental exertion involved in trying to learn this stuff can apparently cause brain damage (or so I have been told :/ ). So it’s apparently a lot easier (and safer healthwise then) to smartphone your hard earned (or borrowed) money away, based on colourful app graphics, charts, flashing animated BUY BUY BUY or SELL SELL SELL warning lights, or just an ignorant hunch or what we supposedly heard Warren Buffet say while zapping through YouTube videos that are curiously always showing up in our smartphone notifications (why bother studying the charts and figures if Warren is doing it anyway?).

……because actually we really do not have a lot of time available right now. We really need to go to the gym (our health is important and the yearly subscription was already automatically taken off our (negative) bank balance), yoga practice (you know that meditation thing to deal with the stress due to that negative bank statement, that is due to be paid off next week …. again)) , football training, the actual football match, daily visits to the pub (primarily for the positive psychological social aspects that has nothing to do with any supposed alcohol addiction), the restaurant dinner dates (another social thing especially among the female gender), the cocktail bar, the night club, our online gaming activities, our soap series, shopping trips, city trips.

How on earth are we expected to find additional time to learn about this other really really boring financial stuff!??

The blunt truth is;

if we are not prepared to learn,
we are simply not going to earn.

To fill this growing need for knowledge, suddenly an explosion of super (financial guru) heros have suddenly appeared (out of thin air (or another galaxy)…that apparently have always been there ). This current worldwide situation has created a whole new global market that is becoming a multi million dollar industry in itself, providing a source of financial education and advice.

But unfortunately even if you do regress to learn, that in itself is still not a guarantee for financial success. Sorry :/

Being willing to listen and learn is good, but blindly believing and accepting everything we are being told is bad ….. really bad (including what I am saying in this blog)

Why can’t we just accept what these obviously very successful YouTubers, Instagram Inflencers, live Zoom webinars, and our well chosen email subscriptions tell us? Why can’t we just sign up into that next new six figure investing platform (that not only teaches you how to get those six figures (directly paid into your negative balance bank account) but also has all the tools available, set up and running for you to start making money immediately, now, today, with the ‘Earn while you Learn’ program.

The reason why we should not impulsively sign into everything offered is because their primary goal is to get your hard earned (or borrowed cash)  A.S.A.P.,  now, before you realise how expensive it really is and that it may just not be for you, right now or not at all.

(I repeat this is the new multi million dollar way of making money for all those supposedly already very successful entrepreneurs that are providing these services because they want to ‘give back’ to the average man on the street to give them a chance to, elevate their social and financial standing, joining the normally exclusive ‘Millionaire Jet set club’ by improve their financial freedom and independence, primarily out of the kindness of their hearts and not really because of the incredible profits they our making. Their pricing is primarily to cover the running costs and expenses of the platform and personeel, with just a little extra because it’s not a charity after all, and the profits you are going to make anyway will make that monthly subscription fee feel like your TV & Cable subscription plan.)

You also have to realise that even a reputable educational institution or a freelancing  Entrepreneur that teaches based on his or her own successful journey will not necessarily mean that you will have the same experience or success. Many of these sources place a great deal of emphasis on investing in yourself  first, by reading books that focus on mindset, attitude and work ethic and developing them in your existing circumstances. Some tell you bluntly and honestly that before you make any investment in any program you need to stick to your job, work even harder,  pay off existing bad debt and create an emergency liquid cash fund for at least three to six months.( Not so sexy uh. Are you sure we just can’t, appinvest, our way out of this mess first ???  :/ )

Speaking from a personal experience I knew that some of my failed ‘taking courses’  experiences’ were more due to me than with the quality or content of the courses. Basically, for some of us anyway, it takes time, effort and perseverance working on ourselves first, before we can become a good, self discipline student.

O.K. if you’re still reading this and I have got you this far I am now going to share my personal experience in realisation of what I just wrote, but that might sound somewhat contradictory.

While fully realising the importance of possessing knowledge before acting, I ended up using this as an excuse not to act. That internal negative voice just found another reason and excuse not to believe in myself. That negative voice just wants to keep me safe and imprisoned in chains of inactivity. It kept telling me to ‘just wait a little longer’ until I have finished that next blog or course or that next new book (that I would have to add to my already extended bucket list of ‘must read’ books) But every day something new appeared that I simply had to read, watch or listen to….. before acting.

So instead of waiting for that elusive ‘Graduation Day’ and those ideal conditions, sooner than later, you will basically have to jump and in doing so you will make some mistakes, based on ignorance (you know the stuff that that next new book was going to tell you about anyway) Taking that plunge means that you will win some and … no, not lose some but has Robert Kiwosaki says in his book ‘Rich Dad Poor Dad’ (an absolute must read)…. ‘learn from some’. Even though you may lose money at times, the experience and wisdom gained is priceless and will only make you stronger, so that (after you pick yourself up) you can use it in making your next financial decision.

So what was all that financial education and self development thing about then? Well it is still necessary but maybe we need to compare it to pre parachute training and maybe the parachute as well. In the end you are still going to have to jump for the first time and that experience in itself will be a very vital part of your learning process, with every next jump becoming more confident based on your previous experience. But every jump still possesses a risk factor.

The time, effort and sacrifice you make now will be given back to you in the near future, a future where no one has a 100% certainty of their financial outcome (risk will always be present) but still a future in its ‘worst case scenario’ that will still be financially better than doing nothing now and where you would have gained increased financial abilities to, ‘cut your losses‘ and seize new opportunities. A future in its best case scenario that will give you greater opportunity and freedom, paradoxically, to live that must do bucket list lifestyle, but because you successfully reached this place, it means that you have changed for the better, no longer needing to tick off every item on that list,

because you are now fully financially aware, happy, fulfilled and alive

in that future tomorrow or yesterday.

Financial awareness. Why. You are now in the future tomorrow of yesterday. Part I

If you do not need any convincing arguments as to why you need to be financially aware then you can skip this blog and go straight my Part II Blog – ‘ How’ with the similiar title.

“money is not important”

“life is short” 

 “I could die tomorrow”,

 “you only live once”, 

“live now not tomorrow” 

“Life is made up of experiences not things”

A collection of quotes & slogans that explains the reasoning behind many of the decisions people make on a daily basis. Regardless of the assumed practicality, common sense and wisdom of some of those decisions we cannot deny the truthfulness of the majority of these quotes. 

Yes we live a fleeting uncertain life with no guarantee that we will still be around tomorrow. Yes it is very important to live now appreciating every blessing and positive vibe that crosses our path. Yes many people have listened to the words of famous and supposedly very successful people that were sharing their final thoughts and regrets on their deathbed about what really matters in life. The vast majority draw the same basic conclusion; that in the end it’s about giving and receiving of your time, energy and love, having and preserving family relationships and the existence of true and loyal friendships. The complete opposite of what you would imagine them saying after working so long and hard finally attaining incredible successes in their careers, entrepreneurial journeys, accumulated wealth, assets and their final minimal six figure bank statement. Unfortunately so many come to this realisation when it’s too late because they sacrificed more valuable experiences to attain things basically.

But does this still mean that money should have no importance or priority in our lives? Should we shun financial awareness and just live as if there is no tomorrow?

Well after deciding to split my blog into two parts I decided that this first blog should focus on the ‘why’ part of financial awareness and that the second one should focus on the ‘how’ to be financial aware and a few things we need to be weary of in doing so. So to continue with the ‘why’ of things;

I would like to try and provide an answer to that question by posing some more questions;

Does living now mean that you must not sacrifice any of your ‘now’ time to prepare and provide something for yourself and loved ones tomorrow? 

If we do think about and make some preparations for that tomorrow what is the full definition of the word tomorrow

24 hours?     A week?    A month?    A year maybe?

Is it possible that tomorrow could include several years if not decades? 

Or are we absolutely convinced that we will be long dead by then and it is absolutely pointless thinking or making any preparation or sacrifices now for that elusive day?

Did you also notice the slight contradiction between the first and the last quote?

Your life experiences although having some, will be very limited if you don’t have any money. 

Many of us betray ourselves even when we do not always want to admit it. Although we do sacrifice a large portion of our now moments by working full time to pay for the necessities of tomorrow (such as food, clothing and shelter)  the way we use and spend the available funds that are left over, reveal our real attitude towards money. Further self betrayal is also revealed in our personal perception and definition of the word necessities. Sometimes that money is already spent before it even shows up on our bank balance sheet. Sometimes it never shows up positively on our bank balance sheet.

The fact is we live in, the instant gratification, must have now, age because…. we (think) we deserve it. Based on the daily exposure through advertising mediums including social media platforms like Facebook and Instagram we have become convinced that everyone else has done and experienced everything and that this is the norm. So we create an endless bucket list of must do, must see, must experience things that we must tick of to be able to experience a normal, fulfilling, rewarding and happy life ……. before we unexpectedly figuratively speaking, kick the bucket, tomorrow. (We are merely exercising and demanding our fundamental human rights as laid out in the Geneva Convention, that’s all.)

A few more questions for those of you that may see themselves in this predicament (to some very very slight extent).

How long have you been living this lifestyle? A year, two years, or maybe even five years? How far have you got in ticking off your bucket list? How did those experiences make you feel then? How do you feel now? Can you still feel the good vibes from them?

Have these experiences made you a better person? Are you showing more love and giving back? Do you feel more loved as a person? Have these past experiences improved your general lot (finances included) in life? 

What about now?

Has your carefree, happy go lucky life, abruptly ended? Maybe due to an unexpected incident,  illness, accident or some family, relationship issue? Or maybe even an unplanned family expansion?

Well here we are, all of us right now (reading this irritating blog)…….

living in that future tomorrow of yesterday, still alive and still kicking (and I am not talking about that bucket)


After rereading my block I decided that it as way too long so I have split it into two parts. Have a break digest this first part and come back in a day or two to read Part II.

Intelligence vs Rationality

Please please please check out this article. A must read!!

A powerful article for both the intellect and layman alike.

Print it out if need be and stick it on your fridge as a daily reminder. And thank you Lyn Alden for sharing this article with us in your website

Credits: New York Times

I am you & you are me.

I don’t really want or need anyone to follow me.


As I have stated in my bio page I am already fulfilled when I can express my inner thoughts and emotions into words.


My only wish is that maybe while you are passing by window shopping, that maybe one blog on this site can encourage and inspire you to


….start following yourself….


Stop underestimating and doubting yourself. You know a lot more than you realise. Deep down inside of you you already have the knowledge and tools to succeed.


It’s stuff like your gut feeling, base instincts, common sense, seasonal cravings and yearnings etc.


Sometimes that one weak addiction you’re having issues with is your body’s way of informing you of a deeper inner issue, deficiency or trauma that needs your attention and that you are trying to deal with in an unhealthy way. The list is endless.


This does mean that you no longer need to listen to others peoples advice it has more to do with blindly following people because the masses are following that person. Combine listening to your inner consciousness while giving them a chance to make their point.


Sometimes even when we love what we are hearing we still realise that we are deceiving ourselves. It’s either too good to be true, too comfortable, too convenient or gives the impression that we are perfect when normal logic tells us we are not, and somehow deep inside of us we know it.


But the thing that is really scary is when they tell us something that confirms our deepest inner fears and assumptions. Things that we don’t want to believe and have been trying to suppress because this would destroy our own make believe world that we created to protect ourselves.


Some new expert or guru merely confirmed what you already knew so even if you finally acquiesced why continue following him blindly?


Let this fact stimulate you
to listen to you more.


I sometimes wonder what am I doing here, what am I talking about ? I feel as if I have very little authority to speak. I have no higher education therefore not possessing any degrees in psychology or social sciences etc. I also cannot present a portfolio of years of practical working experience in some of the fields I talk about.


My primary source of inspiration is based on my own personal experiences, the experiences of family and friends and an observation of the combined experiences of people in general.


And a continual thirst for more knowledge in recognition of the fact that ;


The more I learn the greater the realisation of my ignorance.


This takes me off any imaginary throne of superiority. This puts me at your level. But this seeming disadvantage actually becomes a very powerful asset, an asset that I can claim to have decades of practical working experience in. I have a degree in being just an normal ordinary guy (although some of my friends and family would question that ‘normal’ aspect.)


I have purposely omitted another very important factor that concerns spirituality and a firm belief and conviction in a higher being that knows us better than ourselves. This is something very personal and everyone will have to decide for himself whether he chooses to recognise the existence of such and if this will be his main source of inspiration and support. Mutual respect for everyone’s belief or lack of belief in this matter.


I am you & you are me and maybe by sharing some of me you can find you ……


and move on to that next shop window of inspiration or better still creating your own shop window providing something of value for others.