"For lack of better words, LEMP to me has been awesome and deep. It has really impacted my life. All the modules were helpful. They were eye-openers and really challenged me to question how I live my life. I will just share my take outs from each module: Spiritual Development: God created us for a purpose and our lives begin when we discover why we were created. I now understand well what being created in the image and likeness of God means. I am now certain of my purpose on earth, which is teaching the word of God. I still don't know how I will do it though I have decided to start within my circles. However, I am now taking classes on christian disciplines, doctrines and apologetics at Pathway Institute (in Mamlaka Hill Chapel) in order to prepare for the task. Its my hope and prayer that God will continue using me for the advancement of His Kingdom. Financial Development: If the picture of your future is not clear, you are not living. We all want to achieve financial stability but that alone is not enough if we do not take actions. That's the reality that hit me hard in the face and I decided to have a clear picture of my future. I always told myself that the best time to invest is yet to come only to be told that it was 10 years ago. For a start, I have opened an M-pesa and a photocopy shop in Machakos University. It is now operational and I want to add more machines (computers and printers) so that it will be a fully equipped cyber cafe come May this year. From this one step, my entrepreneurial journey has started and I won't stop until I have more chains of business. Personal Development: I didn't know much about personal development before I joined LEMP. I am now working on how to activate my dormant strength. I have also added a new skill. I enrolled for a driving school and I will be completing my test next week. Professional Development: One of the most educative classes. I used to send the same cover letter and CV for every job application. You can guess well: I was never called for interviews. I have now learned on how to check for details in the websites of hiring organisations, know the skills needed for the position and edit my CV and cover letter to match the position. I am now confident since I now know how to apply for a job and how to conduct myself during interviews. Networking Development: How could I know that there's something called online brand? I always knew that what happens in my private social media accounts is private. I learned that "internet never forgets' and that employers check the profiles of employees and prospective employees. I have updated all my accounts and I will now be careful on what what I post online. I realized that the people who I thought were in my network were not. I am the one who knows them but they have no idea who I am. Networking is not about who you know but who knows you. I have taken an initiative to get in contact with the people who I desire to be in my professional network and also create new networks. Physical Development: "Without health, wealth is useless." That quote just explains everything. The class was very informative. I won't forget the effects of drugs in the body, the importance of water, exercise and good diet. I will apply the information for my own physical development and also advice others accordingly. GOD BLESS LEMP." Daniel Musili, LEMP Season 6 Alumni and Student at the University of Nairobi.
I always wonder why we shy away from talking about money. Yet, money is such an important topic not to pay attention to it. Its important to frankly talk about money because the decisions we make about money today will affect the quality of our lives tomorrow. Unfortunately, majority of us are trapped in the comfort zone. The comfort zone of 'hustling' just a bit to make ends meet. As long as we have a job and a salary (however, meagre), we are cool - we can survive. Our ambitions are limited by our comfort zones because we are afraid of the unknown or we simply don't want to put in the time. While others are taking risks around us and making it in life, attaining financial freedom and independence - we are busy cheering them on. All the while hoping that one day a miracle will happen and release us from financial bondage. Well, wonder no more, here are a few financial tips to help you attain financial freedom: Spend Less Than You Earn. Never spend all the money that you earn. Keep your total living expenses and outgoing payments at no more than 80% of your take home pay. This gives you a cushion that you can use to implement a plan for future needs and even a few luxuries. If you are close to 80% or over already, review your finances to find areas that you can cut back, or look at ways to increase your income. Warren Buffet says: if you buy things you don't need, soon you will sell things you need. Pay Yourself First. This means setting money aside for yourself to ensure that your future is secure. For instance, if you know you have challenges in handling money, one way to accomplish this is to arrange for your employer or bank to deduct a portion of your salary or income before you receive it. The deduction can then be deposited in a fixed account, investment group, Sacco or a project you plan to start or are already working on. You should aim for at least 10% and go higher if possible. In other words, don't save what is left after spending, but spend what is left after saving. Needs First, Wants Later. Make a monthly budget for your needs only. This budget should include the basics such as food, rent, transport, and healthcare. You should consider entertainment and recreation, but give them a lower priority. This will help you separate mandatory expenses, you know the MUST HAVE's and the GOOD to HAVEs, from discretionary income. It also allows you to figure out how much of your income is being directed towards things you want and luxuries. A good plan for optional things (wants) is to plan how to get them without decreasing the amount that you save or taking the money from everyday living expenses. Delaying the purchase of non-essential items also gives you time to decide if your money could be better spent in another way. Set Smart Financial Goals. Set goals for managing your finances. Create a roadmap for your future, so you will know where you are going and how long it will take to get there. Your financial goals should be specific and measurable. Do not just say you will cut expenses. Decide how much you can decrease one or two expense items. Your goals should be achievable and realistic. If you want to buy a home, you need a plan for setting aside extra money to come up with the down payment. That might include doing odd jobs or seasonal work to reach your goal. Your goals should be timely. Set a date for them to happen. Even if you miss a milestone, here and there, you can get back on track by reviewing and revising your personal financial goals and strategies regularly. The Bottomline: Personal financial freedom and wealth creation doesn't happen by chance. Its takes an acquisition of knowledge to know what to do. No one was born with the ultimate monopoly on financial knowledge. Remember your biggest enemy to financial independence is not government's taxes, your boss or the devil, its ignorance - lack of knowledge. Decide today to start the journey towards financial freedom by acquiring knowledge. My people perish for lack of knowledge, the Good Book says. I hope you consider joining LEMP 360° Course where you will be equipped, not only to attain financial freedom, but discover how to create wealth. We look forward to having you in the program. Image Credit: budgetily.com