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?

Cashflow-Quadrant-02

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

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God Answers…

Looking over my blog for inspiration.

Wanted to write about something fresh.

Life experiences work best.

I then remembered that I have been affirming BS over the past few days.

Finished reading my book.

So I’m left with my own thinking, with no forward thinking concepts to rival them.

So I resorted to what I had already with me.

Prayer.

Positive affirmation to the Invisible Supply to give me strength & the courage to free me from the quicksand I have thrown myself in.

Created by the negative thinking I have been over thinking.

And God answered.

Not in the bush-on-fire kind of way.

She usually more subtle than that.

To me anyways.

Something I have forgetten with all the attention I have giving the outside world.

With me having my hand been bitten from over extending my compassion to others, but giving none to myself.

Through those silent, emo prayers I was repeating to myself manifested a call from my guardian angel, in the form of a coworker.

Someone I draw strength from because she’s such a freaking inspiration.

She managed to do settle all her debts.

No matter how painful it was, with her having to sacfrice her looks for a brighter financial future.

She also managed to raise her standards.

Asking more from herself because of how much value she now sees in herself.

S*** like that, makes people frkn beautiful.

I live for moments like those.

Spending time with people who are were I want to be or aspiring to reach that level.

She came to fetch my ass for a much needed free lift to work & back in her new car.

Wow.

She never seems to disappoint.

Coming from a dark past to be excelling the way she is, makes me feel like a whimp for complaining as much as I am.

It lifted my spirit.

I needed that.

What I’m trying to say is that She answers in a various, unexpected ways that we miss.

Billboard sign.

Song lyrics heard over the radio.

Meme.

Statements said in passing.

She doesn’t shout from the rooftops.

God answers in whisphers.

~ Musa

You Fear the Sabre-tooth

6753809I read somewhere that the brain is wired since the stone age to think negatively so to protect us from the dangers that existed then.

Sabre-tooth as an example.

These days this negative thinking works overtime, stopping us from getting ahead in life.

Because we fear trying something new.

Fear of the Sabre-tooth.

This happens without us even realizing.

Without reading, preferably instructional books, then nothing will contradict that thinking.

You could even try swapping listening to the car radio station or your phone playlist for an audiobook.

The hours you spent while traveling, could be spent sharpening your mind against the Sabre-tooth.

Marvel_avengers_alliance_sabretooth_by_ratatrampa87-d6tj8tgThe benefits of investing in yourself will eventually be seen via your outlook in your life.

Maybe that’s what you need.

Maybe that’s what need.

A different outlook.

That comes from developing a habit of reading or listening daily to go sh*t.

~ Musa

Replace Your S** t Habits With Good Ones

I kept on seeing and hearing the name Simon Sinek being projected in my head.

Simon Sinek.

As if stuck in the frontal lobe of my brain.

Simon Sinek.

All this, haunting, while trying to sleep.

So here I am, writing about him.

I don’t know much about him.

He was first brought to my attention by a business partner who has a background in medicine.

Google Sinek.

From the little I know of him is that he’s a speaker.

He speaks about most about leadership. On what defines a leader and what drives her. Reasons why they are true leaders. Amongst other things.

He’s available on different social media sites, I also follow him on Twitter and IG.

He’s an author as well, he wrote Start With Why.

And there are lots of videos on the ‘Tube that have he’s talks.

I think there’s a vid of one of his talks I posted in one of my blogs that I thought was awesome.

There’s a bias that comes with being a leader that I want to take advantage of.

The monetary benefits of being paid to solve problems being one of them.

It’s as if followers create problems while leaders get paid to solve them.

So I’ve been listening to some of his audios as well. Him, John Maxwell and Gary Vaynerchuk are the 3 guys I’ve been filling my head with of late.

And Eric Thomas. #TGIM

I guess I can be obsessed with certain things in my life, such as my personal development.

If I don’t invest the time for it, noone else will.

Then I will just be like the rest of them, blaming my job or spouse or community or the government or the gods for my current, undesirable situations.

Not realising that the true problem here is me.

I fix me, all else gets fixed.

It’s an inside job.

~ Musa

You Don’t Know What You Don’t Know…

You remember the text I told you about that ma aunt sent me?

Here it is:

Jack MA, The Richest Man in China said:images

“If you put Bananas and Money in front of Monkeys, Monkeys will choose Bananas because monkeys do not know that Money can buy a lot of Bananas.”

IN REALITY: If you offer JOB and BUSINESS to people, they would choose JOB because most people do not know that BUSINESS can bring more MONEY than Wages.

Similarly, Robert Kiyosaki, author of the best selling book “RICH DAD, POOR DAD” said:images (1)

“One of the reasons poor is that are poor, is because they are NOT TRAINED TO RECOGNIZE ENTREPRENEURSHIP OPPORTUNITIES.”

“They spend too much time in school and what they have learnt in school, is to WORK FOR WAGES instead of MONEY WORKING FOR THEM.”

“Profit is better than Wages, for Wages can make you a living but Profits can bring you a Fortune.”

THINK INVESTMENT and stop fighting over increments of salaries, it still won’t be enough

Hear this from a Professor to freshmen and women during their orientation: (Actually he is an Acting DVC Academic at a small/new university in Kenya):

“Academic excellence is overrated!

Being top of your class does not necessarily guarantee that you will be at the top of life.

You could graduate as the best student in Finance but it doesn’t mean you will make more money than everybody else.

The best graduating Law student does not necessarily become the best lawyer.

The fact is, life requires more than the ability to understand a concept, memorise it and reproduce it in an exam.

School rewards people for their memory.

Life rewards people for their imagination.

School rewards caution, life rewards daring.

School hails those who live by the rules. Life exalts those who break the rules and set new ones.

So do I mean people shouldn’t study hard in school? Oh, no, you should. But don’t sacrifice every other thing on the altar of First Class.

Don’t limit yourself to the classroom. Do something practical. Take a leadership position.
Start a business and fail. That’s a better Entrepreneurship 101.

Join or start a club. Contest an election and lose. It will teach you something Political Science 101 will not teach you.

Attend a seminar.

Read books outside the scope of your course.

Go on missions and win a soul for eternal rewards…

Do something you believe in!

Think less of becoming an excellent student but think more of becoming an excellent person.

Don’t make the classroom to be your world but Make the world your classroom.

Step forward, try politics, try farming, try business, try an extra thing.”

Don’t feel shy to share with your children.

……..

Which my aunt did, hence me paying it forward on here.

Not that you are my children, the one I already have is a handful.

But why should I be the only one getting informative message?

~ Musa

“You Are Not Alone…”

51Yyzvo-TOL._SX304_BO1,204,203,200_After reading Robert Kiyosaki’s Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! I decided to quit my government job so I can start making money in the stock market.

It was the dumbest idea I had because I should have already been making money in the market already, before even thinking of letting go of my “secure” job.

At the least making the income from it that exceeded my expenses.

Now that is a good reason to consider dropping the 9 to 5.

So as you might have guessed, the project was a flob.

Leading to me losing my job, leading me asking my mother for lunch money when she went to work in the morning, since I was living with her at the time.

Losing my car, which was still financed by the bank.

Losing my self esteem and confidence.

And I kept saying that I’m ok…but I wasn’t.

I was depressed but I told myself I wasn’t.

With me not eating and if I did eat I wasn’t eating right.

51aAy2A9NiL._SY344_BO1,204,203,200_Spending most my time in my room, playstation all day.

I’m not saying Robert Kiyosaki was the cause of my depression, see Rich Dad’s Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business.

I was in the dumps but I didn’t want to admit that I was.

Something that happens to other people and not me, kinda thing.

Sometimes you are too proud to tell the truth about yourself.

Sometimes an intervention can pull you up and out, so you can try again…better.

Sold my playstation.

Brushed up my CV.

Went out again applying for jobs and getting interviews so to go back in the rat race again, and doing it right this time around.

To try again.

To fail my way to success.

But what I’m trying to put across is that doing something, the mere act of taking action, helped.

Taking action helps.

Just doing…something…anything that will keep your body moving helps.

But I think your faith is the ultimate defining factor.

I like how Dwayne “The Rock” Johnson puts in this 2:36 min video on Facebook.

Even Dr. Norman Vincent Peale said it is his book The Power of Positive Thinking, “Feeling listless, write a list.”81ND4ZcIsxL

So if you are feeling dead inside then get into motion.

Motion creates emotion. – Anthony Robbins

Thank you.

I’m sorry.

Please forgive me.

I love you.

Musa

Success Is An Obssession

“Thought in the mind hath made us.
What we are by thought was wrought and built.
If a man’s mind hath evil thought,
pain comes on him as comes the wheel the ox behind.
If one endure in purity of thought,
Joy follows him as his own shadow – sure.”

I needed cash, yet my thoughts and my feelings were not receptive, so I pulled up one of the first self improvement books I have ever read, As A Man Thinketh, and I just looked at it…

The cover page had that famous statue of “The Thinker” on it. One of many versions of the timeless self help book which I downloaded for free at http://www.asamanthinketh.net/.

I then had the urge to go and ask for the money I was so in need of.

From multiple people.

Resulting in an interest free loan here, a loan with interest there, calls were made as a means to recover of debts due to me and another request from that other person.

This was all done with a certainty of succees – I guess that is the psychological, emotional state one tends to have when he is backed up against the wall.

Like a do or die attitude. In between assertiveness and cockiness. It was a resolved sense of knowing – it was beyond faith, beyond believing.

I am going to succeed, I told myself, and my mind will inspire me in the right direction of receiving my fortunes.

I told myself I wasn’t going to leave this place [work] empty handed, and I was going to rob them if I have too – I’m an angel, I just used that to psyche myself, and push me over the edge of be comfortable, and GET MYSELF HUNGRY FOR SUCCESS.

It wasn’t a need anymore it was an OBSESSION.

And sure enough each and every one of those transactions pull through. I am now richer than I was when I signed in to work. I was rich before I came to work, even though I didn’t have a cent to me name, but now I am richer than I was an hour ago.

“Wealth is not a wallet state but a mind state.”

I pulled up As A Man Thinketh because that book has a history of producing more money in the world than can be produced by the worthless dollar the federal bank can print – read Rich Dad’s Conspiracy of the Rich: The 8 New Rules of Money to see why. And I wanted to draw strength and inspiration from, and it worked, and I am grateful.

“As a man thinketh in his heart, so is he.”

(c) Musawenkosi Tshoaele