𝐄𝐦𝐩𝐨𝐰𝐞𝐫𝐢𝐧𝐠 𝐌𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬: 𝐓𝐡𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧

When it comes to making decisions on my finances, I don't joke with it as I tend to be attentive and would put into practice tips I have read and learnt either online, through listening to podcasts, reading the scriptures and getting advice from friends and families, and I have seen great changes that I am always grateful for taking the step.

Understanding where I am coming from and having a little knowledge of what poverty means, I tend to be more serious with my money when it has to do with how I manage/spend it and getting to know how the decisions I take today may affect or impact my future.

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When it comes to financial decisions, there have been great changes and improvements in the way I spend, budget, save and invest especially knowing the difference between saving without getting returns (interest) and saving while the money works for you in terms of investment. I don't put my money in traditional banks except for the ones I would make use of soon and most times, I would divert the money I wouldn't be using for a certain period to get interests because I believe in the principle of compound interest where the little that drops makes an ocean through consistency and patience.

This is a new month and I am happy with one of the financial decisions I have made this year as the outcome is something I am proud of and thankful for taking such a step on time even though I wish I had started earlier.

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Early last year, my big sister has been on my neck, disturbing me to take up an opportunity which she has been into for some years and she is loving the outcome. At first, I was reluctant because I'd wondered how could I be coming up with such an amount every month knowing I might not get a job soon to help me with that. I'd forgotten that Hive was there for me and while taking it as my job, I could be removing a part from it every month and channelling it to the other place to increase my chance of financial independence.

I decided to start at the beginning of this year which I quickly registered and did all I needed to do in January. I was assigned to a lady who acted as my financial manager and one who would be on duty of reminding me every month through sms or direct messages on WhatsApp so as not to forget. That was how my journey into investing in a mutual fund called ARMS from January till now with my consistency.

One of the benefits of ARMS that I love is earning a higher interest rate than what a traditional bank would do. Another one is the ability to track your investment online through their app. With this app, I can see how my money is growing and the interest being added every month. This ARMs mutual fund is a long-term wealth growth with returns which I do not plan to stop anytime soon. I plan to continue saving and investing in it for many years, i.e. 5,6 years and above.

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I plan to forget about it as I also took the action of setting up an automatic deduction from my account, all thanks to my sister and financial manager who advised me to do that. Every month, a certain amount I can afford is deducted and channelled to the investment account while it keeps growing.

Apart from that, I wouldn't call this a big financial decision because it is something I have been doing before until I stopped for a while. I decided to start all over on the 15th of July, this year and that is to power up 1 Hive daily which I have been doing up till now.

Though it is small, one would be surprised at how much it would be in some months or years to come if I continue doing that. Hive has helped me in a great way with investment and I see my account growing every time. Hive Power is my investment and I am proud of seeing its growth through my consistency in powering up 1 Hive daily aside from the earnings I get through my posts.

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It's a new month and one I would continue to invest in my future knowing that after some years, I would be proud of the outcome of my decision with my finances. When it comes to spending and budgeting, I take my time to think through it so I don't end up purchasing the unnecessary and make sure I don't miss a month saving either for emergency or long-term purposes.

Apart from the ARMS mutual fund I am into, there is also another investment app where I save and invest my money offline while getting daily returns from it.

With this financial decision, I believe I am working towards achieving financial independence and creating a great lifestyle for myself and my family.

^{This post was inspired by the #inleo community and this is my entry for Day 1 of the September Inleo Initiative}

^{𝔉𝔦𝔯𝔰𝔱 𝔗𝔥𝔲𝔪𝔟𝔫𝔞𝔦𝔩 𝔦𝔪𝔞𝔤𝔢 𝔡𝔢𝔰𝔦𝔤𝔫𝔢𝔡 𝔬𝔫 ℭ𝔞𝔫𝔳𝔞 || 𝔖𝔢𝔠𝔬𝔫𝔡 𝔦𝔪𝔞𝔤𝔢:ℜ𝔇𝔑𝔈 𝔖𝔱𝔬𝔠𝔨 𝔭𝔯𝔬𝔧𝔢𝔠𝔱 𝔣𝔯𝔬𝔪 𝔓𝔢𝔵𝔢𝔩𝔰}