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Live Free

Don’t be a slave to money in the bank. Live free. Follow your passions. Be happy.

Mick Blore

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Debt Management

I would like to take a little detour with this piece, so it has nothing to do with marketing or communications, but perhaps, it’s more relevant in its own way.

Every time I lecture a group of graduate students (or any students for that matter), I make a point of starting or ending with a conversation about career paths and life, as they, for the most part, are about to embark upon their journey.

The beginning of the end

It all starts with graduating from high school. All the pressures of studying, the joys of a busy social life and the month-long holidays are over. Now you’re off to study further, get a diploma or degree – or if you choose not to study, get your first job.

No-one realises how critical their first job is, there is no proper investigation or planning done; unless someone knows exactly what they want to do (be a pilot etc.), they tend to ‘fall into’ what comes along.

When I lecture grad students at advertising schools, I find exceptionally few who know anything about the industry after three years or more of study. Sure, they know the theory and their craft, but virtually none can name the top five agencies in the country. How does one choose the right job on that basis?

The fact is, a lot of us choose our jobs by what we can get, and who offers a position, not on what we want to be doing, not what we always dreamed of doing.

It’s like anything in life, to build a fulfilling, rewarding career and work life, the beginning, the foundation, is the most important part.

Debt is modern day slavery

A soon as you graduate, or start doing well in your first job, you suddenly have cash to spend. Credit cards, overdrafts and insurance policies follow. You feel important; you can afford nice clothes, cool stuff, even a car a little down the line.

You have ‘swagger’. Welcome to slavery. You have just been plugged into the matrix. Now you’re in a cycle of ‘having’ to earn money, to pay for your stuff, three or four times over.

Society is plugged in. It’s all about the big title, the fancy car, the house in a good suburb; everyone works more and more, harder and harder to go home to more stuff. Real living becomes a weekend thing, and maybe a holiday twice a year.

So it goes; the more you earn, the more credit you’re offered, the more stuff you buy, the more you ‘need’ your job in order to maintain your lifestyle. Have you noticed that every time you get an increase, you are soon spending it all, just like you were doing when you were earning less?

Looking forward to Friday

This is what really gets to me: Go onto any social media site and from Sunday all you hear is complaints about the fact that it’s almost Monday and that the weekend is over. All week long you hear about how people hate their jobs, their bosses, their colleagues and how they are looking forward to Friday.

So we are all wishing away five out of every seven days of our lives. When we reach our end, how many of us will look back and wish we had worked more?

A book was written by a nurse who worked in a hospice for many years, she compiled a list of the eight most common wishes people had before they passed away. Number two on that list was: “I wish I had worked less and lived more.” If we can help it, I don’t think it should be on any of ours, do you?

So, what then?

I’m not saying don’t work. Money should become just a tool in our lives, instead of a fanatical focus. What I am saying is, try your best to get paid (in a job or your own initiative) for doing what you love. I’m saying, if you’re stuck in a job now that you don’t like, get out. It’s the scariest thing in the world, but trust me, I’ve done it, and it is also the most liberating thing.

The best advice when it comes to money and life is: Get out of debt. Or if you are just starting out, avoid it like the plague. Wait a little longer for the things you want and you’ll be able to afford more. Don’t spend your life paying your blood, sweat and tears to credit cards, overdrafts and loans. Get rid of your cards, get a money-clip, it’s cool.

Some of the happiest people I know just walked out of impressive positions in top companies, put a few things in a backpack and went traveling. They came back to start their own companies and get involved in their passions and they are happy – and they make a good living, in spite of not concentrating on the money.

It’s that simple, but that doesn’t mean it’s easy. Living creatively and joyfully requires dismissing gloom, defeatism and negativism. We have to acknowledge the problems, but must not allow them to dominate our thinking and our direction.

The future, your future

Joel Osteen says: “You’re never too old, it’s never too late and the mistake is never too big. Your destiny is bigger than your mistakes.”

I must say I share this optimism – the world around us is changing so fast, if ever there was a time to break the cycle, unplug from the matrix and find a different way, the opportunity to do it is now.

I always tell my grad students: Take a minute and forget about what you are studying and the money spent and the expectations of your parents and people around you. Find what you really love, your passion, what gets you out of the bed in the morning. Choose to do that instead – and then figure out a way to get paid to do it.

So, in conclusion, you can work for someone, buy stuff and die as you lived: A slave. Or you can wake up.

It’s time to wake up. If you’re going to be alive, you may as well be incredible.

Live free.

Mick Blore is a founding partner of Original Forever, a creative agency that specializes in big ideas born of extraordinary creative strategy. For more information visit www.originalforever.co.za

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1 Comment

1 Comment

  1. Elze

    Jul 29, 2013 at 10:12

    Maybe the debt problem is one of instant gratification, we want everything now. We don’t get taught that there is a price you pay for everything you buy. On credit the price is your future you are selling because you owe that which you have not worked for. When paying cash the price is the monies ability to generate a passive income for you.

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Personal Finance

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If you truly want to have a million dollars, you must first be and think like a millionaire. By doing so, you will attract the necessary resources to you.

So, you want to become a millionaire entrepreneur? You’re not alone. Many dream of leaving their job and becoming their own boss, enjoying the various millionaire lifestyles we watch on TV. But there’s a difference between those who dream of becoming millionaires and those who do. And it begins and ends with mindset. If you don’t develop that mindset, you will continue to spin your wheels, working just as hard, but never going anywhere.

Developing a millionaire mindset requires you to stretch your thinking. Start by developing the following six attributes.

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4 Ways To Become A Millionaire Even When You Start With Little

It costs nothing to take advantage of the limitless opportunities online.

Timothy Sykes

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The hardest part of becoming successful is getting started to begin with. But despite the challenges ahead of you, there’s a way to become a millionaire when starting with little. I’m going to show you four reasons why you can become a millionaire with just a small investment.

1. First focus on learning, not big gain

Education is your greatest weapon. Focus on learning in the beginning. Don’t make the mistake of focusing on making huge gains in the beginning. Learn everything you can because this is how you build the foundations for long-term gains.

Related: 21 Choices Millionaires Make That You Aren’t Making But Should Be

They say that if a millionaire goes bankrupt they’ll nearly always be able to get it back. And that’s because they might have lost their money, but they have the knowledge of how to get back to where they need to be.

2. You can learn loads about any topic online

online-learning

I’m grateful for the internet. It’s the single biggest library in the world. You’re reading this article right now and you’re acquiring knowledge you wouldn’t have been able to acquire 40 years ago.

Use the internet to its fullest extent, whether that’s through reading books, browsing articles or watching video tutorials. Set some time aside every day to learn something online. It could be a video series or a favorite blog.

When you get into the habit of learning regularly you’ll find that you advance much faster.

3. Focus on the niche you love

These days you can learn about anything and target the niche you’re passionate about.

This is what I was able to do with penny stocks. I found a gap in the market and provided knowledge to people who wouldn’t have otherwise being able to access this sort of information.

You can do that with absolutely any niche. When you find a niche you’re passionate about and you use the reach of the Internet you start to make huge gains.

4. Prove your expertise by creating free content

Your reputation as an authority is the new business card. There’s a reason I created a penny stock guide and made it free for all. You may have already seen ads for it on social media. The way to succeed with little is to create a reputation through your content.

Related: How To Become A Millionaire, Explained In 1 Minute

It’s the gateway to success because through free content you start to build relationships with others who value your work. And from there everyone gets richer.

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The days when you needed a huge investment to become successful are long gone. These days you can do so much with just a little. Find what you love, advance your knowledge in that area, and create a product that fulfills a need. Finally, work on building up relationships through portraying yourself as an authority on your subject.

Combine everything together and you can accomplish anything.

This article was originally posted here on Entrepreneur.com.


Related: 13 Habits Of Self-Made Millionaires You Could Adopt Today

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10 Tips To Become A Millionaire This Year

Becoming a millionaire requires changing your mindset and implementing some changes.

Murray Newlands

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Becoming a millionaire may seem out of your reach, but it’s possible with the right attitude and guidance. The fact of the matter is your income can only grow as quickly as you do, so you need to change your mindset to achieve your goal of becoming a millionaire.

Once you have a millionaire mind, you can’t lose it, no matter what financial or business mistakes you make along the way. To get yourself there, you’re going to need some structure. To help you, I’ve outlined the top ten tips you should follow to become a millionaire this year.

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