Be Your Own Financial Hero

Today, we celebrate National Hero’s Day in Barbados. This holiday lauds those who would have made tremendous contributions to our nation’s development.

Do you know any heroes of this day? Do you know of someone who possesses qualities you greatly admire? Do you know of someone who has accomplished outstanding achievements? A hero is defined as just that.

Heroes are the teachers who train the nation’s children. Heroes are the fathers and mothers who play a key role in their children’s development. Heroes are those who adopt the fatherless. Heroes are those who speak up and use their voice to initiate change.

Now, I want to introduce you to a hero you know very, very well. Take a look in the mirror. Who do you see?

What makes you a hero you might ask?

Think about the obstacles you have had to overcome. And if I may highlight your heroism from a financial perspective, think about the financial obstacles you have had to overcome as an individual and as a family unit.

So, what does it take to be your own financial hero?

  1. Recognise there is a financial hero in you: Being a financial hero has nothing to with the money you make or the amount of money you have in your bank account. It has to do with your ability to lead your money. Financial leadership is giving your money PURPOSE and DIRECTION. A financial hero recognises his/her current practices are not lining up to the vision he/she set for him/herself. It takes courage to take deliberate and consistent steps to lead your money more effectively.
  2. Forgive those who failed to be your financial hero: Sometimes we place high expectations on people and then they fail us. This isn’t to say there wouldn’t be people who would keep their word. There maybe some of you who may have been abandoned by a family member and they left you to struggle. You have to forgive them for what they didn’t do and what they did to you. You are not forgiving them for their sake, you are forgiving them for your sake. If you want to move forward, you need to stop looking back and start looking forward.
  3. Be brave enough to change for the better: The way you behave affects the way you manage your money. If you are seeking to be a “people pleaser”, you will spend your money to obtain the approval of others. If you don’t think you are worthy of any investment, what will you do? You won’t seek to use your money to improve your financial situation. Do yourself a favour and change the way you think about yourself. Your thoughts are translated into your behaviour, hence affecting the your potential to be better with your money.

Become your own financial hero today. Happy National Hero’s Day!

If you want to improve the way you behave with your money, please allow me to introduce to you Money Matters with Melinda,  a series bringing transformation to your money life through information and inspiration! We are set to release my second book My Money & Me, where we take a closer look at how your behaviour affects your past, your present and your future.

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Melinda Belle is the visionary and founder of Astrape (As-strap-pay)
Finance, the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

EMAIL her at: melinda@astrapefinance.com

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

LIKE her Facebook Page: www.facebook.com/MoneyMatterswithMelinda

FOLLOW her on Instagram: moneymatterswithmelinda

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle

 

Leaving A Legacy of Independence

I am so happy to see my country Barbados arrive at a major milestone, celebrating Fifty Years of Independence!

Though I have only lived to see thirty-three years of Barbados’ development, I have learnt and understood that in order to move this nation forward, you must have vision. This means the same for your personal development, that of your family and those who you lead.

Early in my twenties I lacked vision. In 2005, I signed my first employment contract which guaranteed me a salary at the end of the month. I was exhilarated of course, because I could now earn a living for myself. I thought I had finally achieved a level of financial independence; or so I thought. Those of you who have heard me speak, I often refer to the concept of financial leadership. I will explain how this revolutionised my finances.

You see, I was seriously bankrupt in my understanding of money. Yes, I got paid, but I lacked the maturity to manage it.  As I grew in my understanding, I realised that the money was not my issue. It was my behaviour. I thought I needed more, but I had to behave better with my money. Financial leadership is the ability to give your money PURPOSE and DIRECTION. It meant at the tender age, I had to kick against the grain and make decisions that could positively affect my future financially.

It meant I had to grow up on that day I opened my laptop and started budgeting my money. I didn’t like to be disciplined. It was absolutely not my favourite thing to do, but soon this painful habit became one that I cherished greatly.

Often times, it is easier to look at the present and not take a peek into the future, especially in financial planning.

Do you know, that if you don’t set aside money for spending later, you are stealing money from yourself in the future?

Let that sink in for a minute.

Could you confidently say you are actively planning for future generations to come?

This isn’t meant to condemn you, but to cause you to think very carefully about the financial decisions you make.

You might be saying, “I am knee deep in debt.”

You might be saying, “I have experienced a job loss.”

You might be saying, “I have made too many mistakes with my money. How could I possibly think about my financial future and that of future generations?”

You could start over with my thoughts on leaving a legacy of independence:

  1. Understand leaving a legacy is not only about leaving money: You can breathe now. You are not entirely responsible for your next generations’s financial future. Giving your next generation the tools and knowledge to creating a healthy, financial future is part of leaving a legacy.
  2. Embrace and encourage individuality: The truth is, everyone of us is wired differently. If you want proof, we all have unique fingerprints and will not walk the same financial path. Not everyone will earn money being a doctor or a lawyer (and I mean no disrespect to the profession), but we all were born with abilities which could earn ourselves a living.
  3. Refocus your goals: Is it the financial path of someone else you are walking on or desiring to walk on, or are you embarking on your unique financial journey? Unfair comparison kills our financial momentum I am afraid to say. If you are trying to build your life based on the perceived benefits from someone else’s path, you will be unhappy. Find out what you want to achieve for yourself and your family.
  4. Have the future in sharp focus: Transform your financial landscape by the way you think about and view money. See money as a tool. It is not a item you throw away haphazardly. Make wise use of it by investing in yourself for healthy returns. For example, your education, investments, businesses. Developing the habit of investing could transform your financial world, for the benefit of yourself and the generation that will come after you.

Happy Independence

Melinda Belle is the visionary and founder of Astrape (As-strap-pay) DSC_0051Finance, the caring, knowledgeable, trustworthy, financial company guiding you to financial stability and prosperity through education, sound planning and advice. Melinda sees her role as that of an architect and is committed to the shaping of financial landscapes of businesses. She also crosses over to the personal side of finance, teaching families and individuals to manage their money and create wealth.

EMAIL her at: melinda@astrapefinance.com

LIKE her Facebook Page:www.facebook.com/AstrapeFinance

FOLLOW her on Instagram: moneymatterswithmelinda

FOLLOW her on Twitter:www.twitter.com/MelindaLBelle