It’s 2018, a few days down the line and some of us are happy with the progress. we are keeping up with their resolutions, eating well, keeping fit, saving, practicing kindness, practicing all our wellness goals, this is awesome right!
Well, I’m also still strong on my minimalism journey. But there are also some of us who started off the year in a pretty rough manner. Paying off debts, stressing relationships, unwanted situations generally. Not that this shouldn’t happen but, it’s not welcome. This, however, happens especially after the festive seasons. It is usually because that is when we tend to go all out and lose ourselves to spending on the nice things that we are drawn to from the adverts and influence from the surrounding. So, I was conversing with a friend of mine who is the co-founder of mozbuy.com -an online store. What intrigued me to actually bring up this sort of conversation was the fact that he is the kind that went all out during the festive season. We talked about a few issues and they touched mainly on monies. I later thought this would be a good collaboration between a minimalist and a consumerist and here’s what I gathered.
Most successful organizations and people in the world claim they can not survive without loans. Reason being it keeps them on their toes and make them hustle harder. Knowing that I am a go-getter I took the risk this Festive season, after all It only comes once a year. Planning how I’m going to work hard in January to pay back the loan. It then hits January and the loan is to be paid within four weeks with an interest. I go back to the city, the business is down and I spent all my money with friends and relatives. Being a “baller” at that point I used to hire cars, hang out in different clubs and went for luxurious dates, almost daily. Right now its only a week to repay the loan, my account is a clean slate. I can’t regret but I am not going this way again. Well 2017 was not my best year but it was full of experiences and lessons and in my opinion that’s what life is all about. Gaining more experience and learning from them.
First of all, I disagree on the first thing he mentioned. Most of these organizations were probably started off with loans but as they grow it is their goals to off set all loans and run their businesses loan free. This is mainly because loans are paid back with an interest which could sometimes be a burden to the organizations. Then, taking loans just to spend it over the festival to sustain some social standards! I think this is just a bad idea. You should not take loans if you aren’t investing on it.
We all love the convenience that comes with plastic money among other payment methods. You always think you have enough cash when using credit cards. In my party life over the festive season I have gone shopping, endless dates and not forgetting fueling, I always used my credit card. After all its safe and secure than carrying cash around. One day I went to withdraw cash, it is at this point I felt some balancing tears for the first time in a merry season. I had spent more than half the cash I had taken as a loan in less than a week. Well I had nothing to worry about, after all I had friends around and I knew 2018 was going to work for me. Woe unto me though, January is here and bills have to be paid, the loan has to be paid. Life has to go on.
I have to agree that credit cards are among the most convenient methods of payments. Have you ever seen someone open their purses or wallets and you count at least 4 credit cards or more. Not that I was snooping but my eyes just happened to see this on different occasions and this has left me wondering. Seriously, what are they for? As much as they are convenient, they can also be misleading because more people are in debts since their introduction. We are more likely to spend more since you don’t have to carry cash and all you have to do is check out. This leads to poor budgets and again, debts.
The festive season is always accompanied by a lot of shopping. My parents always told me to have a good shopping list anytime otherwise you will end up doing impulse buying unknowingly. Having a loan in my account I could shop till I drop anytime I went shopping. At one point I remember buying crock and Sox. Tips were part of my life in the hotels, fast food joints, parking and clubs. To cut the story short, This is the part I remembered my mum’s shopping list every time she went shopping. I am never doing anything without a budget ever again.
Again we all love shopping, I mean, who doesn’t! But what I am strongly against is impulsive and compulsory consumption. This again is just not as wise and in the end you will just and up with a lot of clutter lying around your home and surely, no body loves clutter. Once I changed my lifestyle, my idea of shopping has drastically changed, I just don’t buy things because they are trending, or someone else has it. I buy the things that I feel like I really do need and they will surely add value to my life. I stopped buying things because they were cheaper or on sale and instead, I now buy things because of their functionality once they enter my space. Also read: things that might make you fail again this year
We all give priorities in order of what we value. But something comes up in the festive season, at some point we get inverted priorities or we prioritize wrongly. Anyway its personal at the end of the day. I remember this one morning I woke up to go buy breakfast instead I found myself at the shopping center strolling. A phone call from a friend came and we agreed to meet. We hang out the whole day. It was at 7.00PM my phone alarm rang it was a reminder I was supposed have a Skype call with a client. At this point I was drunk, my friends internet had been disconnected and I couldn’t drive back home to catch up. I tried connecting by phone but the connection was poor. We couldn’t understand each other. Thank God We had to text and postpone the call. Pheewx! At this point I started reviewing my priorities.
The moment you say priorities, I get a little bit confused. I just don’t understand how you can have more than one priority at a time. Maybe I don’t get this right but, I fail to understand how you can have a dozen priorities. Some people have 100 priorities and only get to fulfill one or two of them. So my question is, whats the point of all that when you can have one priority at a time and when done with It, you can jump of to the next thing and prioritize it. I never knew this until I listened to the minimalists podcast about priorities. It was intriguing when I found out that the main reason people don’t get things done in time and postponing all the time is because they have their priorities all wrong. I couldn’t focus on one thing and my mind and energy was all over the place. After setting up my priorities right, I finally can do things as planned. That is all I had for you today, are you more of a consumerist or a minimalist?