Money Matters! By Sammie .
I graduated from University recently, and instead of following in the conventional “get a job after school” thing, I decided to take up a research position. It was a funded position, so I was like why not. Now, I am extremely grateful for the funding, becauseotherwise I wouldn’t be able to do my research, but at the same time, I must confess that the money is nothing to write home about!
Anyways, initially I was like, it’s not a big deal, I’m a smart person, I’ll use my money wisely and It’ll be fine, and for the first few months, it actually worked out, but come January, it was as if the money somehow reduced! In fact, one month, after paying my rent and buying food, I legit did not have enough money to buy credit! Lol (okay, maybe I’m exaggerating a bit, but it was bad sha)
So over the last few months, I have learnt that money really does matter. Hear me out, It’s not about getting your happiness or fulfilment from money, but it’s about not stressing over if you can afford to buy your lunch, or if you need to walk to town cause you have no transport for the bus! However, in all that stressing, I have also learnt that money is not everything. I mean, it does make life a lot easier, but not having a lot of it is not the end of the world.
So, before I go, let me drop some tips, I have learnt and hopefully they will help someone!
1. Do not spend money you do not have! As long as you don’t have the cash in your account or in your wallet, don’t spend it! Don’t buy it on credit; don’t buy it with the hope that money will enter your purse! That my dear friends is a recipe for disaster!
2. Whenever you want to go shopping, make a list in order of priority, budget money for those things and stick to the list! If you have change after wards, fine and good, otherwise, just stick to your list and go home!
3. There is nothing wrong with shopping at cheap places or buying things on sale. Don’t worry, one day you will upgrade, but if that is all you can afford, then please, don’t play yourself. Just stay in your lane!
4. If your friends invite you out, and you can’t afford it, it’s not even that deep. Say no! Because when you are hungry, chances are they won’t be there to feed you.
5. Finally! Remember when as a child you would tell your mum you wanted Mr. Biggs or McDonalds, and she’d say“there is rice at home?” Lol, Please apply that principle. If you can make it, don’t spend money buying it!
Being broke sucks, but it does not give you an excuse to be silly. Spend wisely. Stick to getting your needs as opposed to your wants.
At the end of the day, you’re better off having your bills and rent paid, with food in your house and petrol in your car but no cash in hand, than having cash but being in debt!
Words by Sammie