How many times have you pinned yourself in one spot avoided doing exactly what you have been planning. Self sabotage is so common yet so rare because we do not talk about it. Most people struggle with this and end up finding reasons to blame others or their situations.

What is stopping you? Is it fear of failure or fear of starting? Whatever it is just do not give a moment in your thoughts. This can block you from doing things that you have been planning for in a very long time.

Now let us look at how you can break the pattern of self sabotaging.

ASSESS YOUR BEHAVIOR: you are the only one with an ability to know and acknowledge that there are certain behaviors that you are allowing that stop you from starting or doing things. Look at the things that you do that have an impact on you slowing down or losing interest in achieving your goals. This will hard because you’re going to be giving excuse for every wrong behavior and you do not need to. Allow yourself to sense the wrong in not giving yourself a chance to do what you have plans of doing.

Click on the picture to Learn how to make cakes

WHAT CAUSES THE SABOTAGING BEHAVIOR: Now, we do most things and act a certain way because of particular influences. Get to know your influence and know which behavior pattern it encourages. When you are able to tell the root cause of the behavior that sabotages your own goals and plans it will be easy to help yourself out of the self sabotage pit. As written above you might happen to have excuses for behaviors that you are not ready to part with but it is a matter of trying. Dig deeper into what is stopping you from going ahead. Look for the root cause even in unexpected areas because it is a slow process and everything has to be put on the table to avoid relapses and backsliding.

INTROSPECTION. How about a little look into who really are and what you are really doing. Some self-reflection will not hurt. Take time to asses your life and what you want. Look deep into what you have been trying to achieve and what has been stopping you. Try by all means not to bring anything outside of yourself as a reason to why you are not going forward. Give the attention to yourself and then work on it. Be fair, do not pressurise yourself. Remember you are trying to solve a problem within you and not creating a bad space for your progress. Look at habits that have been hindering you from starting on your plans or keeping you away from doing the work that is needed to progress.

POSITIVITY IN YOU: There is an inner voice in you that constantly reminds you that you have to get up and start working on your dreams but the above mentioned traits about behaviors is what suppresses it. The bad habits take space of this positive voice inside you and you have given them a go ahead. Start listening to the inner you and pay attention to the positive attitude it brings. This might get tiring as you will sometimes need a second opinion but also lean to listen to your own advice that comes from within. There is nothing wrong with taking your own advice and try it. There is that inner voice inside you that wants you to make it and win in life , give it a chance.

MAKE BEHAVIOR PATTERNS THAT WORK FOR YOU: You have identified behavior patterns that are working against you and you need to change them and make something that works in your favour. Work hard on making the right decisions. You know what tickles your fancy and that is what you need to work on first. Do not be hard on yourself and do not be be too soft also. The best way to come up with what works is to think about the reasons you need to do it. Remind yourself why you are doing it and what you are looking to achieve. Despite having identified the patterns that slow you down turn to ones that give you a reason.

START MAKING SMALL CHANGES: The journey of making your plans work will not start until you start taking your first steps. Begin with make small changes on your behavior patterns and doing little activities that align with what you want to achieve. It is the small steps that will determine if you are ready to work on it or you need to adjust. Baby steps are meant to get you ready for the big job of working towards your goals and dreams. When you do all this start taking note of what brings you joy, the importance of this is to know what activities keep you going. Start also taking notes of where you are falling behind and what you could do to pull yourself up.

Clean up your body (Click the pic to buy)

PLAN YOUR GOAL AND THE ROAD MAP: You have settled into your route and ready to make it work. Set goals that are relevant to the main goal. If you had no main goal set this is the the time to do so since you have picked your rhythm and ready to make way for yourself. Self sabotage can take a lot from a a person. The dreams that you had cancelled before you started and all the things you thought were impossible can now be taken head on. You need to look how far you have come and use the same strength to keep moving. work on the goals and follow the road map you have outlined for yourself.

Do not be afraid to fail. Working on making it is not mistake proof. We need the results to be perfect that means mistakes will be made and corrections will also be made. It is up to you to keep soaring high after fighting off self sabotage habits and letting those bad habits go and introduce what works and what works for you as an individual.


Thero M


Saving is not everyone’s cup of tea but it is one of the best practices we all need to learn. This can come as something that will turn out to be a habit or just a normal routine foe every individual. Over the years banks have been promoting opening of savings accounts more than ever.

Though banks have a reason that works for them it could work for you too in the long run. You have to know that you cannot just bring up saving without giving it a thought and it should not make you feel like you are denying yourself and luxuries.

Saving has different categories that you have to understand so that your saving pattern is not all over. There is no problem with opening a savings account for every purpose you have. Now let me make you understand saving.

Have a purpose for your saving, this makes you committed to saving.

LONG TERM SAVING: This kind of saving is often attached to buying houses, land or retirement. This pattern of saving can be difficult from the beginning but as long as you know the importance of what you are saving for it will be easy. Banks can help on this type of saving by open  a fixed savings account for a specified period of time. This kind of commitment should be assessed first by looking at your budge and how much you want to be putting away.

SHORT TERM SAVINGS: As the term already explains itself, this is saving for a purpose that may not need lots of funds invested and it can be achieved in a short period of time. This might include things like saving for clothes shopping, buying a laptop and going for a mini vacation in a nearby town. This type of saving can also be made through banking where you can agree on easy access savings.

Through this kind of savings be sure to discuss all saving types with the bank that you are affiliated with. You can have a regular savings account that you put money in to make sure you are comfortable and not totally broke which should be everyone’s kind of saving patterns. Regular saving account can save you from borrowing money in case you run into a shortage or you need a top up to buy something. Even when you are running out of supplies in the house this kind of saving can save you.


There are  common reasons why people save and this can give you a highlight of what you can save for.

RAINY DAYS: This does not mean literally rainy days but when you need that top up or when you are in need for money when things are not going according to plan financially. You need to know you can rely on yourself when times get tough before you can approach anyone.

TRAVEL: Traveling can be very expensive if not saved for. Going on spontaneous trips is a bit difficult these days as everything has become expensive, you do not want to settle for shabby places when you get to the destination because of prices you cannot afford. Planning and saving for international travel is so important, I cannot stress this much. You can open an account for this sole purpose and even use the card given to you when you travel. You can communicate with your bank to make you a card that is accepted internationally than a credit card that you will end up running empty and paying lots of charges to the bank.

CAR: I know there is an option to buy a car through a bank but some people like buying their stuff cash. This is a great way if you are not pressed to own and and not minding to wait until you can afford a car you like and buying it debt free. This journey can be a bit difficult but as long as you understand the maths around it, no worries. Sometime you can save up for a car for two years instead of buying through the bank and pay back for 5 years with interest. Choose your battle well.

BUYING A HOUSE: Houses are expensive and it is no doubt why most people take mortgages and prefer to pay back for a period of 20 years less or more. Houses are not like cars except they are super expensive cars. Everyone dreams of owning a home and this is a big commitment. Do not worry if you cannot afford to be saving large sums of money to buy a house it is not everyone who can do it.

ELECTRONIC GADGETS: Technology is moving faster than how much we earn. Everything is becoming expensive and whenever we try to catch up we still get left behind by those who can afford it. Tell you what you can actually save for these gadgets. Do not be in a hurry to buy everything that is on the market stuff changes every month. Good computers do not get updated every second!! They take time before new releases are out so that is what you can invest on. In a period of two years all you can do is upgrade version of your computer installs and you are ready just like everyone else. After buying what you desire do not stop saving. This makes it easy to be on top of your game. When a new version is out you swap and top up or yo sell  to someone who has been wanting what you have but could not afford the “NEW” price.

This is what the world of saving looks like. We all have a purpose of why we save and we can achieve most things doing this. Saving is one of the debt free life tools. Keeping some money aside is like an insurance we create for ourselves and we can rely on it during hard times.

I hope you have learnt something. I would like to hear about your saving journey.

Need For Success

The need for success is in everyone. This is the reason we work so hard and try to balance everything at the same time.

Success has a different meaning to every single person whether we like it or not. What I consider success might be too low or high for the next person but it is something we are all chasing no matter the size.

You have ti determine your own gauge and work on it. The level of success you want to be on will be the measure of how much effort you invest. Success is not only about effort, it includes things like money, time and lots of research. Sometimes even letting of valuable things that use to mean a lot to a person.

First of all you have to know what success means to you as an individual and choose how best you can achieve it. I like to advice that you do not have to compare yourself with anyone and remain on your lane. We work towards in different ways which means we take different paces and lanes towards it. Mentor ship can work but do not become your mentor’s shadow trying to be successful. Even when you look up to someone do not lose your uniqueness in trying to be exactly like them.

The need for success should not be the reason you do not plan your route to achieve it. There is no rush to make because no matter how fast we move when the time is not right there will be no results. I am not saying do not work on the clock I am saying plan and work following the plan instead of rushed work and expecting great results.

It is not about how long it took but the results produced.

Choose your battle well, do not be over-ambitious or neglect the reality that comes with being successful. People overshoot their dreams and make it difficult for them to achieve their goals. The dreams becomes almost impossible due unrealistic planning.  Do you also have the need for success or are you taking it one day at a time? Are you willing to part with the luxury called time and get rolling on the road to success?

I have become too dependent on my talent and skill and I am taking this journey of success with every might, blood, sweat and tears. My need to be successful is really not about money even when money will bring the end results. I have no intentions of keeping a fat account and not use it to fulfill some of my desires of comfort. I am not going to hold back enjoying the fruits of my labour to keep the balance at a “million” because if I spend a 100 it will drop to 999 900. I am looking forward to creating sustainable success that will give me and my family comfort and know that I do not have to work my whole life chasing paper.

My success is not based on status and titles but on comfort. This means whenever there is peace as far as financials are concerned and my need to make more is not a must i will declare myself successful.

Share with me what success looks like to you.


Thero M



Hello and let’s get to talk about money.

If there anything in this world that can damage you is debts. I have had my fair share of falling into deep debts that was very difficult to get out of. This time around I want to discuss with you how to get out of debts and live a better and easy life.

I’m so excited to share the steps with you on how I got my life back.

quote calligraphy under cup of lemon teaI have fallen in love with financial literacy.

financial literacy is an essential in our everyday life. I had a month to train myself to be able to handle money and save and learning how to budget, how to prepare spending methods and learning how to use money on good investment is not easy.

Before we take this journey of learning how to get out of debt we should understand the value of money we have on our hands and the bank or the one we are planning to have. Money is not a topic that you just come up with.

On this day and era we have financial advisors we have brokers for our investments and we also have so much information on the internet libraries that can help us help ourselves individually without involving anyone or third party. No matter how much he want to look rich be financial free or have financial freedom you still need to understand financial literacy. The journey that I took to be debt-free was not an easy one I had to learn a few tips and tricks to get off the hook. So I have decided to share with you the same methods that I used to relieve myself from debt and live a debt-free life and easy life where I’m in control of my finances.


1. Most of the time before we deal with the problem we have to identify it. Identifying what causes your financial strain and what makes you spend money unnecessarily. The lack of money sometimes is not caused by How Little We got but on how much we spend. So identify what digs into your pocket that doesn’t return any cent.

2. After you identify your problem write it down. After writing the problem that you have try to list possible Solutions under that problem. If it’s budgeting you list them like budgeting, controlling buying food outside, buying groceries for the whole month that’s how you can come up with Solutions.

3. Now that you have identified the problem wrote down possible Solutions now try to figure out if you will be able to perform or work on the Solutions on your own. If it is a difficult for you to execute the action plan that will get to the solution go to the bank that you use for all your income streams. Sit down let them help you with a budget that will work for you for a long time and not strain your pocket so that you don’t borrow money from different people and different microlenders.

4. On this one if you are able to execute the plan on your own. Start cutting out things that make you spend money unnecessarily go back to the problems that you listed on number one and try to figure out a way of executing the Solutions that you wrote under the problem then you are starting your journey to financial freedom. Cut out credit cards that are unnecessary cut buying food out everyday which is expensive, cut out borrowing people that don’t return your money back. Those are a few things you have to cut out of your life.

shallow focus photo of woman in white and blue floral dress
Photo by Godisable Jacob on

5. Now that you’re working on the Solutions be the boss of your money no matter how much you are tempted to buy unnecessary stuff the first thing you have to think about is how will this benefit me? how will this bring money into the house? Will this give me Returns? These are the questions that you’re  supposed to ask yourself  before dropping your hard earned money down the drain. When you start thinking positively about money you start using money correctly. When you start spending on things that do not benefit you in any way about money money will not benefit you.

6. And now that you have worked on your budget you have worked on making money work for you. Pay the little debts that are eating from your pocket when you start taking control of your money remember to clear your debt when that credit card is no longer taking money from you pay the little debts that you made on the way. Now don’t force yourself to pay all your debts at once because it will strain you and you’ll go back to the same habit of borrowing money everywhere using money unnecessarily. So start paying those small debts that have been pestering you with the little change you’re left with from budgeting and using money wisely.

7. Now we are working our way towards financial freedom. We are on our way to that. We are winning at the thing of taking care of money, we are winning this thing of having control of our money. You are the boss of your money you are the leader the holder of money. I am happy that I was able to share this with you. I identify my problems I came up with Solutions I worked on my Solutions. A little bit so that debts weren’t taking money from me monthly unnecessarily. I took charge  so take charge too.


It was a pleasure sharing that part of my life with you. I’m looking forward to testimonies on how you were able to beat that. I’m looking forward to your testimony on how you managed to get your life back financially. I’m looking forward to seeing you guys gain financial freedom and those are a few steps that I want you to offer you so that you don’t have to worry about money anymore. Remember money is an energy the way you treat money money will treat you. I’m looking forward to and next money talk. Work  hard and making sure we are all bosses of our money.