How I Managed To Pay and Settle Most of My Debts

2018 wasn’t all bad this year.

Managed to muscle out around 2/3 of my lingering debts.

Shit I had pestering me for more than 2 years.

I slayed those motherfuckers in under 12 months with the help of my muse.

So financially I turned out better this year than the previous ones.

My muse had already done what I wanted to do.

Mr. Robbins was right, success leaves clues.

He also said the fastest way to achieve is model success.

So I had a sit down with my muse and took notes.

She said it’s going to hard.

I took that lightly.

Sacrifices had to be made with me denying myself takeouts, new shoes, new clothes.

I even sold my fucken Playstation of all things to raise funds.

But looking back it was worth it…well I’m still moody about my PS but what’s done is done.

She said I must stick to my monthly payments until I was done, then to move over to the next until that is done.

Then to repeat the process until I was done with them.

But Musa being Musa decided to add some Robert Kiyosaki to the mix.

Something he wrote that stuck with me.

It wasn’t in his Rich Dad Poor Dad book. I think it was in his Cashflow Quadrant or was it that Rich Dad’s Guide to Investing one?

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Anywoo, the old timer suggested sticking to your monthly payments on all your debts.

But he suggested adding R500 to the one with the highest interest and paying that one off until its settled.

He then said once settled, take the R500+ you were paying off the 1st fuckers with and add that to what you were already paying on your 2nd debt.

So I managed to call all my debtors and arranged on paying them R50 a month. They were outraged and tried to bully me into paying more.

Told them I’m making a commitment to pay them. Every month. And if they want more then they can go to hell but the amount they will be getting is the one I’m committing to.

I then hung up. And kept my word.

But more than that, I started paying them the 1st one more than they were expecting.

1st debt

R50 pm + R500 extra = R550 pm that will going towards the 1st account I owe.

Once settled I requested my settlement letter and moved on to the 2nd debt.

2nd debt

R50 that already being paid per month + R550 I used on 1st debtor now makes R600 pm.

This will go towards paying off the 2nd debt until its settled.

3rd debt

R50 already being paid per month + R600 I used on 2nd debtor = R650 pm.

R650 will now go towards settling debt number 3.

I then moved down the line until I killed off most of what I owed.

There was one account I disputed that was over 5 years old. It appeared they were collecting from me illegally.

I stopped paying for that shit too.

Just like that, another one bites the dust.

When it comes to debt you should know your rights.

So from 7 accounts I’m down to 2 now.

I get those out of the way then I can get out of the credit review I put myself in.

The same credit review that put on hold any credit application I apply for.

I manage my own debt repayments even when I originally requested the credit review guys to assist.

Not realizing doing that would cut me out of getting loans and opening new food/clothing accounts.

Be careful what you agree on over the phone my friend.

It was a whore of a year that’s for sure.

But at least I have something to sure for it.

And I’m grateful.

~ Musa

You Owe You

This guy at work won R10k on this incentive the business was running.

Now he’s the target of sarcastic commentary.

People asking him for R1k then making comments & silly requests like “can you give me R1l?” “what is R1k to you? Something you can easily giveaway surely.”

People don’t grind but feel entitled over the fruits of someone else’s labor.

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How dare they shine on his shine.

Bloody mofos.

Reminds me of scavengers.

Get yours.

He doesn’t owe you.

In fact, You Owe You.

~ Musa

How I Made R1300 In 2 hours….

There’s this thing that the universe does when it comes to answering your prayers.

Last week, around this time, I was complaining to one of my mentors.

It was a good release, especially after she sent me a TED Talk that spoke of the truth definition of mental health.

I was carrying with me this cloud of defeat due to the level of stress & anxiety I was perpetuating in my head.

But what I’ve realized about myself, is that I dont’ stay defeated.

I think that’s why I decided to eventually click on Tom Biyeul’s link.

A link, mind you, that I’ve been scrolling past to check out my new obsession: mixed martial arts videos on YouTube.

What he and Ed Mylett brought up in the interview spurred something in me that had me take action on an idea I had.

I just never took action on it.

So the next morning I went on to Olx.co.za, (a platform for buying and selling services and goods online) to sell my Playstation.

An idea I had for while just to boost us for the month.

I still can’t believe how fast that shandis sold.

7:00: I posted the ad. I took a number of pictures using my girlfriend’s iPad after watching the Tim & Ed video the day before. Ended up posting 1 of them though. My thinking was less perfection and more action.

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7:08: Ad was verified & published.

7:11: 2 potential buyers were wondering if it was still available. 1 was willing to buy at the initial price of R1500. 2nd buyer wanted to close me on R1300, on the basis that I sell it to him that day. So I did.

9:01: I had R1300 in cash, in my hand.

And that is how I made R1300 in 2 hours.

It just reconfirmed how:

  1. Nothing changes if nothing changes.
  2. The universe rewards action. Any action is better than no action.
  3. The universe likes speed.
  4. Expect to succeed. Even if it’s the first time you are trying out something new. There is power in expectation.
  5. There is more ways money can be made apart from slaving away for it at your job.

It reminds me of how Vaynerchuk keeps inspiring about his #trashtalk.

I don’t believe all transactions go this fast.

That would be naive of me to believe that.

But R1300 a day, is a much higher rate than what I am getting a day at work.

Additional sources of incomes are available if only we act on them and not only pray about them.

~ Musa

 

Just Peachy….

I was on Facebook with it’s FB memories reminders.

That seems to be the only thing I update on Facebook, come to think of it.

Meaning next year I will be reminded about the memories FB reminded me of today.

Nothing new under the sun.

Went emo couple of days back with the blog I published.

That day sucked, but I’ve had worse.

The morning sex usually helps with improving my mood.

But my partner in crime was not available for the joint venture so I turned to food. I was out of beer.

Self gratification gives me minimal pleasure. Not as satisfying as the excitement I get in conquering the female body into orgasm…I digress.

So I took baby girl to daycare in the morning.

Did the dishes.

Took a nap.

Bathed and headed for work.

I took the time I spent offline focusing on what’s going right, even though the world is on fire around me.

Reminds me of that hell scene when John Constantine went for a quick peek in that Constantine movie.

Things could be better, yes, but bitching about them won’t change them much.

Sometimes the discomfort you are experiencing now is nudging you forward, not backward.

Busy praying for deliverance from your current unhappiness but you’re not happy with the process it takes for your prayer to be answered.

S*** will always hit the fan. Even more so when change is coming.

Think it’s a matter of riding it out. But to always keep your eyes on the price.

That’s why goals are important.

Without them, what’s the point of living?

~ Musa

“Death Be Not Proud”

Having a job is such a fleeting thing because you don’t control over that shit.

Making sure you don’t step on people’s toes, keeping your head down for fear of being sacked.

That’s not making a living.

That’s making a dying.

~ Musa

The Secret to Making Money…

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I sometimes have these enlightening moments during the taxi ride to work in the afternoons.

Busy observing. The homeless in particular of late.

They understand how to make money.

Maybe it’s a matter of better managing the money they are getting to better their financial situation.

Much like most of us.

But they know how to make money.

They understand the principle of making money.

Cause & effect.

Service & reward.

Service rendered gets compensated …usually.

Some beg.

And through their appeal for sympathy, and with the power of the law of averages, some are paid for it.

Cause & effect.

Their actions are being paid for.

Others do tricks, another income generating practice, like a dance routine.

We black folks love to dance.

The entertainment industry, is a trillion dollar industry.

We might as well tap in to it.

This act is a form of service offered.

Zim-Zam-Zimbabwe-tourism-to-use-rands-800x400

And after the street dancing act, before the robots go green, they walk along the driver’s side, hat in hand, asking for pay.

Heck I even saw a juggler today, it’s been a while.

Others even help with parking. Assuming that you can’t park. To then proceed to tell you that they will “look after” your car while you are away.

And then when you come back, they ask for any financial contribution for their effort.

Here you were thinking you’re avoiding paid parking.

It reminded me of how earning money isn’t that hard.

It comes as a result of providing a service.

Providing a service to others.

Ideally a service that they need.

If you want to make more money, then you would need to increase the amount of people you serve.

Making money is not rocket science.

Not for those willing to put in the work.

There really is no secret to making money, come to think of it.

You are paid in accordance to the service you provide.

~ Musa

The Annoyed Leader

obama-looking-pissed-annoyedNothing that annoys me more than the “L” word.

Being a leader comes with responsibility.

Hence leaders are paid more than followers.

And that’s what I want, to be paid more.

Just not liking what I need to become for that to happen.

Like someone once said, people want to go to heaven but are afraid of dying.

For you to reach the end, a process needs to be followed.

Much like what my mentor mentioned during our sit down yesterday.

Freedom is not free.

So for my bank balance to grow, I need to grow.

And the recommended books that teach leadership will help with that.

It’s a continous thing though.

Every day I need to read for at least 15 minutes.

The good stuff I’m feeding my brain with come out in the form of my actions.

And that’s how all things change, through your actions.

Leaders are readers.

And in the long run, what I am seeing as my current reality will differ.

Especially since associations are important.

She also mentioned how pain is your friend.

Without pain then there is no growth.

That means you are comfortable.

Yet success is at the end of your comfort zone.

Because if you keep doing what you’ve been doing, then you will keep getting what you are currently getting.

But the rub is that this process of reading needs to be consistent, for the Slight Edge to have the time to kick in.

That’s why I need to be in it for the long run.

Because leadership is not limited to business or work.

Those that you are in charge of are looking up to you as a leader.

I like how Simon Sinek puts it:

“Leadership is a responsibility. It’s not about being in charge. It’s about taking care of those in your charge.” – @SimonSinek

~ Musa