August 2020|| Strength

Hey Guys,

Welcome to a beautiful new month.

 

images (2)

 

It’s been a year of highs and lows, but I am thankful not just for the gift of life but also for the gift of strength.

This season, God has been teaching me what it means to rely on his strength.

If I am being honest, there are still days I find myself triggered by the words or actions of people around me, that I end up in tears.

Whenever this happens, I become frustrated with myself because I feel God must be disappointed with me.

I somehow feel responsible for not having sufficient strength, since the scripture says, “he that faints in the day of adversity, his strength is small.” (Proverbs 24:10).

Then one day, God said to me

“Eunice,
It’s normal to get tired, but that’s not an excuse to give up. It’s only a reminder to renew your strength.

Strength is exhaustible, whether physical, mental, emotional or spiritual, that is why it must be renewed.

So I am asking you to trust my promises and my process, because it’s in the place of TRUST, that your strength is renewed.”

What an encouragement that was!

The Holyspirit also gave me an insight using the analogy of a phone battery.

There are days I charge my battery to full capacity, then use my phone all day, to play music, take pictures, chat with friends, watch movies and browse. At some point my battery gets drained and I have to plug and recharge it.

There are other days I charge my phone to full capacity, but I only receive a few phone calls and messages. On such days, my phone battery remains relatively full.

In the same vein, when it comes to our spiritual battery, there are days we have to pray multiple times, confess lots of scriptures, speak in tongues every couple of hours and listen to as many sermons and songs as possible, just to get through the day.

Everytime we start to feel overwhelmed by doubt, fear, or discouragement, we need to plug in to God’s strength and recharge.

Going to God in our time of need is a sign of trust. God is such a sweet and caring Father, and he’s always ready to help us.

Remember, his strength is inexhaustible.

Let us therefore come boldly to the throne of grace, that we may obtain mercy and find grace to help in time of need.
(Hebrews 4:16)

Shalom!

:::requ1ne:::
♥️♥️♥️

July 2020||HEALING.

Hello Fam,

Welcome to the second half of 2020.

Source: Pinterest

And what a year it’s been!

Nevertheless, we don’t complain, we give thanks because God CAN be trusted. 

One of the things this year has reminded me of, is that moving on after a crisis is easier said than done.

The truth is that no one wants to be in a state of continuous despondency, but healing is a process and it takes time. 

In a bid to help, people can indirectly put pressure on someone to heal quickly.

From experience, the deeper the hurt the longer the process of recovery.

“Just move on” is a nice cliché but it it’s not as helpful as it sounds.

How do you expect someone to just move on from a place of confusion, betrayal or loss?

While we must be careful not to glorify our pain, the focus should not be on “Moving On” but on “Getting Well.”  

A person who has not healed completely will not be able to function optimally.

There are several people who are carrying pains from years ago on their shoulders.

A lot of these people end up hurting others, either consciously or unconsciously, sometimes creating a cycle of abuse.

That’s why it’s important to focus on the process of healing.

When it comes to emotional trauma, rather than tell people to get well soon, just tell them to get well (no matter how long that takes).

Another common assumption people make, especially in this part of the world, is that whatever happens (whether good or evil) it’s the will of God.

There’s nothing further from the truth.

The scripture says,

“…God is light, and there is no darkness at all in him.”

1 John 1:5 GNB

https://bible.com/bible/296/1jn.1.5.GNB

GOD DOES NO EVIL. 

When something terrible happens to someone, it’s not unusual for people to make blanket statements like “Maybe God allowed it for a reason…yen, yen, yen.”

It’s even more annoying when they ask victims to consider worst case scenarios.

For example, a couple has had a miscarriage, rather than just offering them words of comfort, you hear things like “God probably has a reason for taking the life of the baby; who knows maybe the baby would have had a congenital malformation.” 

That’s such a terrible feedback to give to someone who is hurting.

As far as God’s children are concerned, anything that involves loss, hurt, betrayal, hatred, conflict, confusion or despair is NOT the will of God.

This passage puts things in perspective,

The thief comes only in order to steal, kill, and destroy. I have come in order that you might have life — life in all its fullness.

John 10:10 GNB

https://bible.com/bible/296/jhn.10.10.GNB

The enemy’s job description is to steal, to kill and to destroy: whether it’s your business, your health, your relationships, or your possessions.

The bottom line is this, Satan loves to wreck good things! That is his modus operandi. 

So the next time, something terrible happens to you, don’t blame God (and don’t allow people to indirectly blame God on your behalf), rather FACE THE DEVIL AND REBUKE HIM!

Another understanding I have from the light of scriptures is that, God can use evil circumstances to bring about his purposes, but God does not orchestrate evil.

This story in the bible explains it briefly,

His disciples asked him, “Teacher, whose sin caused him to be born blind? Was it his own or his parents’ sin?” Jesus answered, “His blindness has nothing to do with his sins or his parents’ sins. HE IS BLIND SO THAT GOD’S POWER MIGHT BE SEEN AT WORK IN HIM.

John 9:2‭-‬3 GNB

https://bible.com/bible/296/jhn.9.2-3.GNB

Look at that. Although the man was born blind, God decided to use his life as an avenue to show forth his glory.

HEALING is God’s will.

RESTORATION is God’s will.

VICTORY is God’s will. 

Let me conclude with this verse,

We know that in all things God works for good with those who love him, those whom he has called according to his purpose.

Romans 8:28 GNB

https://bible.com/bible/296/rom.8.28.GNB

No matter the kind of crisis a believer faces, God will work things out for their good.

Keep believing.

Have an amazing new month!

:::requ1ne:::

❤️❤️❤️

JUNE 2020|| HOPE


Vulnerability can either be the most risky or the most rewarding action to take. 

Sometimes it leaves you misunderstood or even more confused than ever. 

Other times you end up as an unprepared client in an unsolicited therapy session. 

But the most painful outcome is to become the victim of a shameful story gone viral.

For years, I struggled with the concept of opening up to others while going through a tough time. 

My modus operandi was to suffer in silence.  It didn’t help that I was also battling with depression. 

Only those who have dealt with MDD* can truly understand the sense of helplessness and despair that comes with it. 

Doesn’t it appear selfish to want to open up to people who are also dealing with their own hurt and pain? Sometimes in greater ways than you can imagine. 

Where do you draw the line between trying to cope and asking for help?

The world as we know it today is in ruins. This particular year, 2020, has been especially devastating for a lot of people. 

Amidst the uncertainty of the current pandemic, people still have to battle with illnesses, loss of jobs, heartbreak, crime and all kinds of abuse.

The world is hurting we know, but it doesn’t invalidate any individual’s pain.

How can a patient who is comatose and on life support be aware that the building is on fire?

The truth is that being in a vulnerable state makes you feel like a nuisance. You never know when you’re disturbing others. 

Some people truly want to help but their resources of time, energy, prayers and words of encouragement are limited. So there’s no true help outside God, only his resources are unlimited. 

Everyone needs help. Everyone needs healing. Everyone needs HOPE. 

To be vulnerable is to be human. To help the vulnerable is to be STRONG, not in yourself but in the Lord. 

It’s good to share our vulnerable moments with people, even if it’s for them to identify with our humanity.

We laugh. We dance. We sing. We love. We celebrate.

But we also cry. We get hurt. We feel betrayed. We face rejection. We experience disappointments. We know what it means to feel hopeless & helpless. 

No one has it all together. We are in this together.

May was a month of premium tears, I cried everyday (save three). Someday, I will share my story.

I trust God that in this month of June, our hearts will be filled with his joy. 

“Rejoice in the Lord, always. Again I will say, rejoice!” (Philippians 4:4, NKJV)

Cheers,

:::requ1ne:::
    ❤️❤️❤️

*MDD: Major Depressive Disorder. 

April 2020||A Love Letter 

IMAGE CREDIT: Pinterest.

Hello April,

What a delight you are!
You’re like a treasure hidden in a large cave surrounded by mighty giants.

Having you has been such a rewarding experience for me. 

You’re as sweet as the sunrise- its rays bursting out with hope as each new day unfolds.

Your are so sincere and kind, and every moment spent with you is priceless. 

My darling April, you’ve taught me many things; how to be patient with the faults of others, gracious towards those who are suffering and generous with my gratitude. 

I can’t thank you enough for coming into my life, especially at such a time like this. 

You gave me reasons to smile despite my fears, and proved to be a safe haven in the midst of life’s storms. 

April, you’re a gift that I’ll cherish for the rest of my days. 

I love you now and forever. 

_____________

PS: This symbolic love letter is in celebration of Christ’s life, death, resurrection and anticipated return. In this trying time, he remains our hope for the future.

:::requ1ne:::

       ❤ 

January 2020|| A Letter To 2020

Dear 2020,

I’m glad to finally meet you.

There are so many great things I’ve heard about you. 

I’ve been told of how special you are, not just because you’re brand new and full of potentials, but because you’re the beginning of a whole new decade. 

This for me is very significant. 

Just like they say, the journey of a thousand miles begins with the first step: so does the journey of the next decade, it begins with YOU!

So I want to thank you in advance for all the exciting opportunities you’ll be bringing my way because I’m ready to embrace them.

I’m committed to learning, growing and serving with my strengths. 

I’m not going to hold myself back, because of the things I cannot yet do or the things that I don’t yet have. 

I’m going to focus on the possibilities around me, and what I can give rather than what I can get.

2020, I make a promise to you that I’ll be a better friend, lover, sister, daughter, medical practitioner, blogger, writer and any other role that will define me. So help me God. 

I know that you are my year of good things, and you are so full of glad tidings from home and abroad. So I can’t wait to do life with you, 2020.

Cheers to the beginning of a healthy, happy and fulfilling relationship.

Your new best friend,

Hello, 2020❤️

:::requ1ne:::

   ❤❤❤ 

November 2019|| 7 Lessons Failure Taught Me.

Hello Fam,

It’s been a while.

Happy Mid-November!!!😀

And guess what?

It’s exactly 40 days to CHRISTMAS! 🎉🎉🎉




I don’t know about y’all but Christmas is about the most exciting season of the year for me.

I love the glam, the jollification, the merriment, and of course Christmas carols!  

Each Christmas season is a reminder of the purpose for our celebration – Jesus! And his presence in my life continues to give me so much joy. 

Now to today’s post…

The second quarter of this year was a particularly trying period for me.

I wrote an exam –important enough to define the next phase of my career– but unfortunately, I didn’t pass it. 😞

Like anyone else, I’ve faced a number of challenging situations in my lifetime, including:

…getting involved in a RTA that ultimately led to the removal of my two front teeth

…being denied a visa

…breaking up from a romantic relationship (of almost 5 years)

…losing most of my valuables (a laptop, 2 phones, an ipad, and gold jewelry) to a home theft in one day

…and “quitting” driving school out of frustration and embarrassment.


But failing a major exam was a first…and the experience was very traumatic. 

While in school, anytime I didn’t do so well on a test or exam, I had the opportunity to make up for it in the next block or semester. 

Thankfully after the initial shock, I was able to register and rewrite the exam and to the glory of God, I PASSED!!🙌

Now the experience has taught me a few things:


1. Success is a lifestyle while failure is an event.

Success is a continuous journey of progress. 

You’re not a failure if you don’t stop trying. 

The first few weeks after the result was out, I was so disappointed in myself and carried the shame of failure around like a burden.

Thank God for the comfort of the Holy-spirit, and the encouragement from loved ones, I was able to bounce back.  


2. Failure helps to foster empathy. 

When I failed the exam, a part of my ego was shattered. 

I was like…a whole me? How could I?  

Failure made me vulnerable enough to admit my mistakes. Now I have realized that failing an exam isn’t always about how smart a person is. 

I’m learning to empathize more when I see people struggling, and to be compassionate towards them. 


3. Failure helps you to upgrade your capacity.

In preparing to retake the exam, I became fully aware that was sufficient for yesterday’s success, may not be sufficient for tomorrow’s success. 

So I took a leave of absence from work, attended a revision course, and was able to devote more time to studying, and participating in group discussions. 

Failure teaches us that every goal requires new strategic plans and actions. 

4. You can’t always determine the result but you are always responsible for your preparation. 

Despite designing a vision board with the intention of drafting a 3 month study-plan earlier this year, I got carried away with the many events going on in my life. 

Sadly, my efforts to crash study didn’t work out as planned. And when it was time to write the exam, I wasn’t well prepared.


5. Failure is a part of the journey toward success. 

“Success is the ability to go from failure to failure without losing your enthusiasm,” said Sir Winston Churchill.

In retrospect, I’m glad things happened the way they did. Failing the exam gave me the chance to learn what strategies worked and what strategies didn’t work.

It also opened up some opportunities for me as I was able to meet with like-minded doctors. 

Courageous people don’t stop trying, they keep learning. 

6. Failure is a filter to refine your priorities. 

That failure was also useful because it forced me to pay attention to the way I prioritized my goals.  

I was able to recognize that not everything happening around me is worth my focus and effort. 

I learnt to deliberately channel my time and energy to the things that were important to my success. 


7. Failure helps to build faith. 

Failure gets our attention. It sure got mine. 

God can use the failures we experience to humble us, remind us of our limitations, and teach us to depend on him. If we allow him.

After failing the exam, I had no one else to turn to but God. And he gave me the wisdom to navigate that season of my life. 

Failure made my faith in God to thrive.

***

I hope the lessons from my experience will give you a bit of perspective, in whatever trying situation you’re going through. 

Cheers! 

PS: All images are from the WEB.

:::requ1ne:::    

❤❤❤

October 2019|| The 6Ps Of Purpose.

Hello Fam😍,

It’s good to be back.

Although October is almost halfway gone, I still want to welcome you warmly into this amazing month filled with loads of goodness. 

God has been so good to me (and mine) this month and my heart is full of gratitude. 

There have been so many testimonies in the lives of friends and family, with things that seemed impossible becoming a reality because #GodDidIt

Anyway, back to the post.

Lately I’ve had cause to ponder on the brevity of life as we know it and what it actually means to live. 

Everyone born in time has something unique to offer their generation, sadly only a few do. 

PURPOSE is not what a lot of people have misconstrued it to be.

Some think purpose is all about being in the limelight all the time, like Celebrities and Politicians.

Others think purpose is reserved for a few people with special callings like Clerics and Soldiers.

Purpose simply means LIVING MEANINGFULLY. It is more about who you are than what you do.

Purpose is about bringing solutions to some of the diverse problems that plague humankind and enriching other people’s lives in a positive way.

It’s only by Living on Purpose that each of us can sincerely answer the question, “What am I here for?”

In this post I’ll be sharing some simple tips on how to live on purpose.

Enjoy! 

***                      

1. PRAYER:

Prayer is not just the “Birthplace” of Purpose, it is also from where we draw the strength to live purposefully each day. 

In the absence of prayer, most of us would live aimlessly in this distracted world. 

Prayer gives us the clarity, focus and strength to persevere in each season of our lives. 

When we seek God’s guidance on what to do, he gives us a sense of direction. 

For me becoming a medical doctor was not by accident, Purpose led me here. 

My patients are drawn to me. I take time to listen to and empathize with them. I do my best to communicate everything I do to them. I’m patient in answering their questions and allaying their fears. 

And no matter how frustrating my job as a doctor gets, I know I’m doing it because someone still needs me. 

_
What direction is God leading you to in this season?


2. POTENTIALS:

Each of us has been gifted with an ability to meet some specific needs around us.

No matter how little or insignificant your gift seems, it can make a difference in the world.

Some have natural talents that are easy to recognize like Singing, Acting or Dancing. 

Others discover their talents quite by chance then choose to improve on them e.g. Writing and Public speaking. 

I am good at organizing events. I’m the party planner in my family. I enjoy initiating and hosting get-to-gethers, not because I’m a social bee but for the sheer joy of planning them. 

Sometimes, I even generate and draft out ideas for programs on paper for the fun of it. 

That’s also why Routines and To-do-lists are my thing. I’m very good with detailed planning and I enjoy helping others with it. 

_
What are you good at? What have others commended you for?

3. PASSION

As fuel is to fire, so is passion to purpose. 

Passion is what keeps you awake at 2 a.m, filling your head with exciting ideas that won’t stop coming.

Passion keeps you going when others get tired.  

Your Passion is what gives you the conviction that every kobo spent, every tear shed and every milestone reached, is worth the trouble.

Passion gets you talking even when there’s no one to listen. 

I’m passionate about Personal Development. 

It’s why I spend a lot of time alone, reflecting, brainstorming and encouraging myself to be my best so that I can give my best to others.

Transformed lives give me joy and I love to inspire people. I enjoy celebrating dreams that come through despite the obstacles encountered. 

It’s the major reason why I do the Accountability Challenge. I want to see people grow from where they are, to where they should be.  

_
What are you passionate about?


4. PRIORITIES:

When you’re walking in purpose, your priorities can’t help but align. 

Your priorities determine where you invest most of your time, your money and your energy. 

Reading for me is more than a hobby, reading is a lifestyle. 

So I can’t help but love books. Books have changed my life. They have transformed me and given me the wings to fly. 

I’m a Bibliophile. I love to read. I buy books. I download them. I re-read old books. I review books on my blog. I recommend books to people and harass my friends to share new books with me. 

My philosophy is simple. To be better today, than I was yesterday. And that is why I read. 

_
What are your priorities?


5. PRINCIPLES:

Principles serve as the core foundation for your Purpose. They are those things you cannot compromise on, no matter how difficult a situation is.

Your principles should guide you in every decision you make, whether about money, relationships or fame.

I value Integrity, Fairness and Responsibility. These principles reflect my core beliefs as a Christian. 

As much as possible, who I am on the inside is who I try to be on the outside. I’m open with my struggles. I don’t pretend to have it all together. And I’m quick to let go of influences that will likely lead me astray.

I try to be fair in my dealings with people no matter their age, ethnic group or socioeconomic status. I do my best to apologize when I’m wrong and forgive when I’m offended. 

I do my best to be responsible in my commitment to work, the church and to friends and family. I am considerate of other people’s feelings and I try not to let them down intentionally. 


What principles do you live by?


6. PLEASURE:

In the long run, your purpose will give you a sense of satisfaction no matter how physically or mentally demanding it is.

Writing makes me happy. It’s why I blog. It’s hardwork and takes time, but it is my gift to the world.
Anytime I get amazing feedbacks, I know that I’m doing what I really should be doing. 

I also enjoy chronicling my journey and the lessons I’m learning, so I keep journals. It has made such a remarkable impact on my growth that I decided to share this gift with others. And that was why I designed the Requine’s Journal. 

_
What do you do that gives you pleasure?
***
Which of these six points speak to you the most? Please leave a comment.

Cheers to a Purposeful October. 

:::requ1ne:::     

     ❤️❤️❤️

September 2019|| On Happiness, Health and Holiness.

Hello Fam,

It’s been a while and I’m so glad to be back.

The month of August was exciting and full of adventure, and I’m hoping this month and beyond will even be better.

So this season, I’m focusing on these three things:

1. Happiness.

Happiness means different things to different people. 

Though some say happiness is overrated, we can’t underestimate the Power of being Happy.

Happiness is like Energy, it gives momentum to whoever experiences it. 

Happiness often comes to me in the simplest of ways…

Quotesvalley.com


– Happiness is savoring the aroma of my 3-in-1 Nescafé coffee mix.
– Happiness is dancing to the “Baby Shark” song and ignoring the funny looks other grownups give me.  

– Happiness is realizing my mistakes and laughing at my own silliness while I make the necessary corrections.

– Happiness is not taking it too hard on myself when I fall short of a promise I made to myself or others. 

– Happiness is deliberating staying out of senseless arguments and avoiding people who enjoy endless drama.

– Happiness is not allowing someone to force their own insecurities on me or pressure me into making decisions I’m not comfortable with.  

– Happiness is being lost in a good mystery novel and ignoring the alarm bells telling me that my bladder is full and I need to go and pee.

– Happiness is smiling in front of the bathroom mirror and reminding myself of how much God loves me, despite my insecurities. 

What does Happiness mean to you?


2. Health. 

Sadly, in the last couple of months I was so busy taking care of other people’s health that I neglected mine. 

I don’t think I’ve used as many medications in my entire life as I have this year. At some point I became so ill that I received intravenous drugs, for the first time ever.

My diet was one area I particularly took for granted. 

Because of the busy nature of my job, I failed to pay attention to what I ate, how much I ate or what time I ate.

And just within a few months, I realized how much unnecessary weight I’d gained. It’s even now embarrassing to wear some outfits from 2 years back. 

Now I’m taking back responsibility for my health. 

So I ordered this nice, comfy mat for yoga and stretching exercises.

My New Exercise Mat

In addition, I commenced the Intermittent Fasting Regimen (using the 18/6 plan) after lots and lots of research. 

I also started keeping a food diary, it’s amazing to know how much calories each meal contains.

Generally, I feel better just knowing that I have been able to clean up my diet and I can say NO to junk food no matter the temptation. 

Some days are harder than others, but I’ll keep keeping on by God’s grace. 

What does living healthy mean to you?


3. Holiness.

I don’t know about you but it gets me sad, and sometimes angry when I see people disrespecting or outrightly mocking the things of God. 

Our generation finds it easy to hype secular things like entertainment, fashion and technology, while they make fun of anything said to be sacred or godly. 

Even people of faith are increasingly more reserved about expressing their beliefs for fear of being ridiculed.  

The Devil wants us to be Closet Christians- shy, embarrassed and easily intimidated. 

But here’s a secret. The Devil is scared. 

He knows that there is so much havoc believers can cause to his agenda, if we rise up to the occasion.

That is why he is out to stop us before we can stop him. 

But we have been commissioned to bring light to a dark world, hope to a hopeless world and healing to a hurting world.   

“You’re here to be light, bringing out the God-colors in the world. God is not a secret to be kept. We’re going public with this, as public as a city on a hill. If I make you light-bearers, you don’t think I’m going to hide you under a bucket, do you? I’m putting you on a light stand. Now that I’ve put you there on a hilltop, on a light stand—shine! Keep open house; be generous with your lives. By opening up to others, you’ll prompt people to open up with God, this generous Father in heaven.”

‭‭Matthew‬ ‭5:14-16‬ ‭MSG‬‬
http://bible.us/97/mat.5.14-16.msg

I don’t know about you, but I’m done acting like a nice christian while the enemy oppresses, manipulates and destroys lives around me. 

It’s time for WARFARE!

And Holiness is a requirement for spiritual warfare, because if I am to be used of God, I have to be totally dedicated and devoted to him. 

– Holiness means obeying God’s specific instructions  when I’d rather do things my own way. 

– Holiness means trusting God’s direction even if it’s contrary to popular beliefs. 

– Holiness means keeping myself away from the profanity/perversion of this generation- my speech, attitude, work ethics, appearance etc must reflect God’s glory. 

September Mood.😄

What does Holiness mean to you?

***

Enjoy the rest of September!

:::requ1ne:::

    ❤️❤️❤️

August 2019|| A Trip Down Memory Lane.

Hey guys,

Welcome to August.

This month I’ve decided to do a bit of internal housekeeping by reevaluating my personal growth journey.

In the last few years, I’ve consistently kept memoirs (in form of diaries or journals) both in hard and electronic copies.

Recently, I went through some of them and I’ve simply been amazed about each phase of my journey. 

Through those pages, I saw myself grow from a timid, insecure lady to a confident and optimistic lady, who is ever ready to embrace challenges, make efforts, commit to bigger dreams and become all of who God has called her to be.

In this post, I’ll be sharing snippets of my journey through the last few years with you and I hope among other things that it encourages everyone out there on a similar journey of personal growth to journal their journey😉. 

Enjoy!

*** 

2013:



“So I’m finally here in SVG. I got an apartment and share it with a lady from Botswana, she’s been nice to me and gave me dinner. Thank God for a safe trip,  for the prayers and wishes from friends and family. I believe God is the Oba Alasepe and he’ll perfect all that concerns me in this land. Amen.” (Feb 11, 2013). 

2013 was the year I consciously began my journey into becoming. 

I considered myself to be a caterpillar who was transforming into a butterfly. I was curious, daring and wide-eyed. 

It was also a turning point as I literally put on my “big girl” shoes. For the first time ever, I was miles away from home, and everything and everyone that was familiar, in pursuit of becoming a medical doctor. 

2014:

This was the year where I felt so much dissastifaction within me, I was tired of living small and being boxed up in a cage mentally. I just felt there was more to life than just sleeping, waking and eating.

That was also the year I got the courage to start this blog…as a form of outlet. 

Later that year, I experienced what seemed like a major tragedy that almost gave way to a post traumatic stress disorder but thank God for healing and restoration.

At the end of the year, this was my confession:

“Eunice Adeniran, you may feel limited but you have a limitless God. He cannot fail you. He is your refuge and underneath are his everlasting arms. It will end in praise!”

2015:



I would describe it as my “Big Bang Year” as my eyes began to open to certain realities of personal growth and responsibility.

I actively began to read life changing books and many things that seemed initially impossible became possible.

My walk with God also became more steadfast, and my personal devotion took on a more lively approach. 

As I went through the pages of my diary, I came across this song I learnt at a concert (TEHILA AFRICANA) which summed up a phase I was going through:

“When Jesus says No, I hope you understand,

When Jesus says No, he has a better plan.”

2016:

I started the year with a strong conviction as written in my journal:

“Year 2016 is the year of the word of the lord, the word profits me greatly. I’m sensitive to divine revelation, instruction and direction. 

I’m willing and obedient to God’s word. My heart is prepared to receive the word, it’s a good soil, fertile and fruitful.

Every aspect of my life responds to God’s word and profits greatly.”
Looking back, it’s an irony that 2016 was also that year where I had to second guess almost every decision I made. 

One major decision I made was coming out of a relationship I’d invested in for almost 5 years. The aftermath was almost devastating.  

It was also the year I graduated from medical school and the question “What Next?” became a constant buzz in my ears.

Thankfully, God in his mercies saw me through that season.


2017: 



I literally came ready for this year. 

Here’s an excerpt from my first journal entry:

“Hello 2017, I’m excited to meet you.

You are a gift and a blessing from God to me and I’m pretty determined to maximize all of the opportunities you bring my way.”

That year was a season of stretch for me as God taught me to embrace so multiple dimensions to my life. 

There were a couple of challenges along the line and even a cheap attempt on my life from Satan but the good Lord gave me victory. 


2018:


2018❤️

This was another very remarkable year for me. 

It was a season of blossoming relationships and upgrading my self-esteem. 

Like never before, I heard God speak with clarity and give me specific instructions concerning.

It was also an intense year (physically and mentally) for me as I was a House officer for the most part. 

The day Housejob ended was a testimony in itself.

Here’s an excerpt:

“The countdown ends.

God is good, he’s indeed the God of my testimony. 

I woke up grateful this morning. Nothing could spoil my joy, not Satan nor his cohorts.

I’m officially an MO. To God be the glory!!!”


***

That ends my trip down memory lane.

2019 has been an interesting year so far and I believe there’s still lots of goodness it has to offer. 

So here’s one more picture for your viewing pleasure

2019❤️

Have a pleasant AUGUST!

:::requ1ne:::

    ❤❤❤

Book Review|| The Smart Money Woman

Author: Arese Ugwu

Genre: Personal Finance

||How I came across the book 

For some reasons, many people seemed to be talking a lot about this book and I became curious. Then one day someone shared it in one of my online groups, and I literally jumped at it.

||Expectations

As an intending millionaire, I wanted to know the choices that make a woman financially smart.  

||Lessons

Most of the lessons shared in this book are profound. I especially love the definition of the smart money woman. 

The smart money woman is a woman whose hustle has purpose and has learnt to make money, keep money and grow money.

She is a woman who has found her calling in life, something that matches her passion with her skill set and, regardless of where she is in that process, she is excited and confident that she will make money because she has positioned herself for success and she knows this is where she can maximize her earning potential.


  • Introduction:

– In general, as African women, we are not taught in any formal framework how to keep money or grow it—basic personal finance skills are difficult to learn. 

– Even when a young adult starts earning more than they need to survive, they end up living from paycheque to paychequebecause  they think about their incomes largely in terms of spending and haven’t learned how to save or build assets in proportion to what they earn.


  • Being Broke vs Building Wealth:

Broke means, if you lose your primary source of income today, you will not be able to maintain the lifestyle you have become accustomed to because you have no assets to rely on. 

– We must dismiss this idea that we will always make more money. We have a finite amount of productive years to work; many people will never be as agile both mentally and physically as they are now.  

– Building wealth is more about how much you keep than how much you spend. 

– Broke people and rich people approach the same amount of money differently. They understand the relationship between how we earn and how we spend and they know where the balance is.

– Developing a wealthy mind-set requires the understanding of the concept that the way you spend, invest, and manage ten naira is the way you’ll spend, invest, and manage ten million. 

  • Active vs Passive Income:

– Active income is the income you get from services rendered, it is usually your income from your job or business.

– Passive income in simple terms is money that you make while you are sleeping.

Financial Freedom is when your passive income exceeds your expenses.

– Ideally, the goal is to get to a point where the assets you’ve accumulated can pay you enough of an income to pay for your lifestyle. 

  • Understanding Net-worth:

– Your net-worth is your assets minus your liabilities and it gives you a snapshot of where you stand financially.
If you don’t treat the money you earn with respect, it will leave you with no respect. 

– By separating your spendings into wants and needs, you limit your wants and prioritise your needs.

  • The Principle of borrowing and repaying debts:

– Debt can be a tool to attain financial success but how you use it matters. 

– Wealthy people use debt as a tool to leverage their investments and grow their cash flow, but poor people use debt to buy things that make rich people richer. 

– Only borrow to acquire an asset that will appreciate in value.

– Prioritize your debts. Decide which ones are most important. This depends on your particular situation—you could slay the largest debt first to give you more confidence that the rest are manageable, or you could decide it is best to start with the debt charged with the highest interest rate, so the debt does not increase. 

– Set deadlines for each loan. There should be an estimate of how long it is going to take you to pay off each debt.

– Think about the triggers that led you into debt in the first place and try to eliminate them. There’s no point getting out of debt only to dive back in.


  • On Savings, Investments and Budgeting: 

– We have to learn to spend with intention by allocating our resources to reflect the lifestyle we want and are able to sustainably afford. 

– A smart woman doesn’t wait for financial surprises; she systematically saves toward her emergency fund because she knows that this is the foundation of her financial journey. 

– Before you splurge make sure you have at least six to nine months of living expenses saved up for emergencies.

Calculate how much you would need to survive if you lost your job or income from your business. What do your living expenses add up to each month? Multiply that by six or nine months.

– Emergency fund are liquidity and safety, not return, so do not take risks with your Emergency fund to earn more or sacrifice liquidity.

– Money in the bank is equal to spending. It doesn’t matter whether you earn ten thousand or ten million naira a month.

– As regards investments, start with high savings accounts or money market accounts that preserve your capital and give you a reasonable return.

– Your investment goals should reflect your financial obligations, what you value most, and what you want the money you make to be able to do for your life in general.

– The cardinal rule when you invest is, don’t invest in anything you don’t understand.

– People associate the word “budget” with scarcity or a reduction in station of life. Therefore, “budget” is a word they come to resent. 

– The reality is, a budget is something that tells you how to allocate your resources and it should reflect what you value.

– The reason most people live paycheque to paycheque is because they don’t have a full understanding of what their income can support. 

  • On Making Profit, Solving problems and Fulfilling purpose:

– The most successful people are the ones who are able to articulate what they want for their lives. Success is deeply rooted in having a solid plan that is tailored to what you want.

– The more people you are able to reach and influence, the more likely you are to attract new business, gain access to partnerships or raise funding for your business.

–  To make profit your idea must either be generating more revenue for your company or reducing costs.

– Nine out of ten times when people ask how they can make more money the answer is find your purpose.

Your purpose is your calling; the thing that drives you to be successful because it is what you were created to do.

– Passion is that idea that burns deep inside you, so much so that you can’t stop thinking about it until you execute.

– Skill-set are things that you are good at, either because it’s what you’ve studied or something you’ve spent hours honing.

 – Your idea has to solve a problem people are willing to pay for.

– It is important for people to understand purpose because, they often pursue an idea and then can’t follow through on because they haven’t thought through these three questions:

1) Is it big enough (Impact)? 

2) Are you in a unique position to make it happen (Skills/Resources)? 

3) Are you passionate enough about it (Does it pass the sleepless night test)?

  • On Paid Jobs vs Entrepreneurship:

– In order to maximise your earning power and have the ability to invest, you need to pursue a career you are passionate about and create multiple streams of income. 

– This does not necessarily mean you have to become an entrepreneur. 

– The reality is, not everyone is cutout to be their own boss and you need to learn this early on. 

– With entrepreneurship growing in global popularity, everyone wants to be a boss. A good proportion of those already on the corporate ladder can’t wait to jump off and start a business so that they too can escape.

– You shouldn’t be thinking about a “me too” copy and paste approach because the idea of working for yourself sounds appealing. 

Being a boss is not all about working for yourself and avoiding the discipline of a nine-to-five. Becoming your own boss means you are responsible for an enterprise and beyond the idea—a successful enterprise has to have structure, a business model and a value proposition. 

If we all become our own bosses who is going to work for whom? Who will be the employees?

– Ideas are a dime a dozen; execution and the ability to solve a series of problems is the actual key to success.

– People who are entrepreneurial in their thinking are value-driven. They adopt critical thinking and embrace innovation and continuous improvement. 

– They are the ones you see solving problems every day and are getting paid to do so regardless of whether they are the founders of the company or not. 

– The thought process should be, what skills or resources do I have to execute that idea? Am I passionate enough about it to pursue it and follow through?

– Instead of over-glamorizing either end of the spectrum, let’s focus on encouraging people to be value-driven, solve problems where they are and focus on finding career paths that suit their skill-set and temperament so they can thrive.

||Conclusion

What makes us wealthy is not how much we earn but how we can systematically use a proportion of the income we earnto build assets that pay us over time.

The smart money woman would rather live like a princess forever than live like a queen for a few years. Ultimately, improving her net worth is more important than upgrading her wardrobe. This mind set helps her reason when she’s spending.


||Observations

I actually enjoyed the book being partly fiction although the characters seemed way out of my league as per their earnings. 

While this book made a fine read, the element of faith which is a priority for me, would have given a more balanced approach. 


||Recommendations

This is a practical book for every young woman who dreams of becoming financially established someday.


:::requ1ne:::

     ❤️❤️❤️