Tag: Life Lessons

  • No, You’re not weird if you like doing stuff alone!

    No, You’re not weird if you like doing stuff alone!

    Alone and Loving it

    Society and the world would have you believe that you are out of place and somehow don’t fit in, if you choose to navigate certain spaces alone.

    So ingrained has this idea become for many of us, the thought of going to a movie on your own scares many people, because it is simply NOT done. I will go further to say that society looks down on doing certain things on your own to the point where, even hotels charge you more when you book a room as an individual and while that may be more down to economics, it reinforces an idea that doing anything ‘alone’ is supposed to be an anomaly.

    Growing Up

    When I was younger it was actually easier to move through the world alone. It was unquestioned as no one naturally expected that I should have a gaggle of friends around me at all times.

    At other times, I was in the presence of an adult carer, so it never occurred to me how important the world deemed it to see me in the company of others.

    But once you start to mature, being alone becomes a liability, in fact as a teenager I was expected to have a friend group beyond school that I could ‘hang out with’.

    Growing up in a household where I was an only child ran counter to this idea though. I learned how to entertain myself with reading, playing, talking with my Mom and once I discovered TV, it was all over, I didn’t need another soul.

    That said, while I do have some anxiety moving through some spaces and places alone, for the most part I’m fine with doing certain things by myself without feeling like something is wrong with me.

    Being an introvert can be a good or bad thing in this regard but that’s another story.

    How quaint…

    I get tickled when people muse about things they are ‘afraid’ to do alone because I feel like we are denying ourselves an experience, simply because someone else is not there, as if by ourselves, we are not enough (did that go too deep?).

    alone

    In general I never want to feel like I am at the mercy of someone else’s interest level, schedule or budget to go somewhere. When I want to go somewhere, why should I let another person’s unavailability or situation prevent me?

    Found myself getting caught in that trap too often before I started to ‘man up’ up and just go to places I really wanted to, alone.

    Want to go see that movie? – GO

    Feel like checking out that bar to have a drink but have no one to go with? – GO

    Feel like spending the day at the beach? – GO

    Doing it alone, even once doesn’t mean that you are an outcast, or even worse, that something is wrong with you.

    I think the biggest thing to get over, was the fear of how other people would regard me being alone in a space where I am surrounded by couples or even groups. The big thing I’ve discovered? For the most part people don’t care and in fact, they’re not paying any attention to me.

    No Problem

    There can be a lot of anxiety and while I’m not calling myself a hero, it does take some bravery to step out on your own and just be, without worrying about being alone. It’s now considered a novelty, a thing to celebrate when persons do something ‘ground breaking’ by dining out alone and that’s ok (baby steps for some peeps).

    It shouldn’t have to be that way but it is.

    We should feel our whole, true selves spending time alone, doing whatever it is that we love, guilt free, no issues.

    We are fine, we are complete, we stand alone if and whenever we choose and when we don’t feel like doing it alone, we do it with others.

    Think my next big thing to conquer is going to a medium sized party on my own and seeing where that leads…

    Be inspired, Be informed, Be Glorious!

    Subscribe to the blog here  and share your content suggestions here.

     

  • It’s my Birthday! Let’s get nostalgic

    It’s my Birthday! Let’s get nostalgic

    Birthday Tings

    Today marks two important milestones, my blogs’ second year of active existence and my Birthday!!! It was no accident that my blog was launched on my birthday 2 years ago as I needed a momentous occasion to present it to the world and make it live.

    It’s been two years that have seen some major changes in my life, all for the best and thankfully, I’ve been able to chronicle it all using this space on the internets. My understanding of the blogging process has also matured and my commitment to consistency has remained intact, even if what that looks like has changed, overtime.

    I’m going to use this opportunity to do a quick rundown of some of the interesting insights and revelations I’ve made, through this blog over the past couple of years, by taking a look back at a few of the posts that for whatever reason have been memorable.

     

    Favourites to date

    birthday

    Over the past two years I’ve been fortunate to write about a lot of different topics. After all, the way my blog is set up allows me to venture across different topics across various interests. But I have two particular favourite s out of all I’ve written.

    My first ever blog post “35 Lessons in 35 years” remains one of my all-time favourite pieces I’ve written, not just because it was the first but because it also serves as a definitive statement on who I am and what I am about. I don’t think I’ve ever opened up this much to any one, much less to the public, all at once.

    My other favourite is a little blog I published in November 2017 entitled, “You can do Whatever you Like”  which I actual go back and read every now and then as a reminder that life is about doing the things that bring me joy, in whatever realm, no excuses.

     

    Stuff I Love that you probably missed

    birthday

    I’ve come to realize that I write as much for myself as I do for readers and sometimes, there are just ideas I find so hilariously intriguing I can’t help but write something about it. This was the case in August 2018, while on vacation, when I was inspired to write this sleeper of a blog “Five songs to NEVER play at a wedding”. To this day I still find the pretext funny as the situations around a wedding and possibly playing the ‘wrong’ song can go in weird places.

     

    Biggest Surprise

    birthday

    Probably the biggest surprise in the past two years of writing has been the response to two pieces I wrote about my experience selling my old car and buying a new one in Jamaica. The series is entitled “Things to consider when buying and selling a car in Jamaica” parts 1  and 2.

    The articles consistently turn up in searches in google and drives traffic to the site, so it is clear that people are buying and selling cars and now have a resource to get more information. That makes me happy, because the reason I wrote the blogs was because I couldn’t find any information about the process.

    Statement Piece

    birth

    Because I can write about whatever I want, boldness is expected as a standard and there are a lot of avenues I could take to be bold. But I responded to a call to highlight ‘the gay agenda’ that was launched by J-Flag in February 2018. The blog entitled “Bridging the Gap: The Real Agenda” allowed me to simplify and present in my own way the perspective of LGBT Jamaica.

    What connected

    birth

    I guess we can all use some encouragement when it comes to our spending habits, specifically around Christmas time. That’s the only explanation I have for how people responded to the blog post published in December 2017 entitled “4 things you should NOT do with your December salary/bonus”.  Readers flocked to the piece which I consider tongue-in-cheek but with a few nuggets of wisdom and I appreciate that.

    As I celebrate my birthday, another trek around the sun, I’m supremely thankful for life and all the opportunities that come with it. I’ve taken this quick look back as I continue to chart my way forward. Thank you for being part of the journey, for reading, commenting, sharing and enjoying. It means a lot.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • Sorry doesn’t fix everything

    Sorry doesn’t fix everything

    I have this unwritten rule when it comes to my relationships – personal, professional or otherwise:

    “The more often that someone has to tell me ‘sorry’ is the more I have to consider the merit of our relationship.”

    Experience and history has taught me that if there’s that one person in your life who always has to be apologising for something, it may be time to let them go.

    Obviously this rule isn’t absolute and I’m quite sensitive to nuance, however I am guided by this principle when it comes to people’s behaviour.

    I learned this lesson from my last serious relationship, a LONG time ago… You’re with someone who after a while needs to constantly be reassuring and apologising to you for some malfeasance, then it may be time to take a serious look at what’s really going on.

    The thing is it may not even be about the person. That person may for all intents and purposes be doing their best, within the scope of what their ‘best’ is.

    Regardless, even at your worst, their best may not be simpatico with what you need in your life.

    Password: sorry

    Professionally, the same applies. If someone is constantly messing up, to the point where they are always apologising, over time, I become less invested in that association or its credibility. It’s about trust and reliability.

    My problem with it is persons use the word sorry as a password that is loaded with expectation. Some of the common expectations are:

    “You should forget about what I did”

    “It should never ever be mentioned”

    “We should act like it never happened”

    “It’s not reasonable for you to expect this to be a lesson”

    “I’m sorry but please don’t remind me why I should do better”

    Some people will say sorry grudgingly but really don’t mean it. They only utter the word because they realize that it is the socially acceptable salve for whatever, circumstance they may have caused to occur.

    And worse still are the offenders who should apologise but never do.

    Most annoying are the persons who are willing to say sorry, over and over again, while repeating the same infraction, over and over again.

    Showing UP

    The Jamaican saying is ‘take sleep mark death’ and I take that to heart when it comes to people’s consistency.

    At the end of the day, it is about how people show up in our lives. Showing up is a term I’ve become more familiar with as I get older. It has taken on added importance, because once you’re out of school and you become an adult, people have to make a much more deliberate effort to mean anything in your life by ‘Showing Up’.

    How many times have you had that good ‘work’ friend and the moment you leave or they leave that place of employment the ‘friendship’ dies?

    The things they do and say to make their presence known in your life, are important. If that continues to be problematic, then gird your loins.

    This whole thing about showing up I’ve come to realize is also important because the people who are consistent, supportive, unwavering and real, tend to be the ones I value.

    It’s the process of knowing and appreciating these people that allows me to let those who don’t show up fall by the wayside.

    It’s all connected.

    Forgiveness

    I’m still learning to navigate forgiveness and I have grown and gotten better at managing expectations of people. Maturity has afforded me more insight on how to deal with people. I now know that it is possible to forgive but own the fact that the person is not going to hold the same place in my life.

    That is absolutely ok, if the situation necessitates it.

    Too often, in the name of forgiveness and maturity, we are forced to play the role of ‘forgive and forget’ and act like it didn’t happen.

    Accepting the imperfections of being human, I get. People won’t get it right all the time, and that’s fine. However there’s a line that needs to be drawn in the sand when you realize that people just aren’t trying anymore.

    Honesty and Communication

    You know, as hard as it may be, all this ‘saying sorry’ can largely be prevented if people choose to be open communicators and commit to honesty. It sounds simple but I realize it’s difficult, because honesty is not as easy as those “Say it with your chest” tweets would have us all believe.

    It’s uncomfortable being honest all the time, because it usually means that someone else’s feelings may get hurt. On the flip side, being honest guarantees that persons are always aware of where you are.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • Moving out and Up

    Moving out and Up

    Just over a year ago I made a big step and finally moved out of my childhood home. I alluded to that change here but only now have I been able to fully digest how significant the move was.

    It is one of the best things I have ever done and continues to teach me new things about myself that living ‘at home’ could never.

    The simple act of moving out also caused seismic shifts in my life in other ways because it dramatically changed the way certain people related to me, some for the better and others for worse.

    Love Matters

    Probably the biggest benefit I have experienced so far, has been a renewal of my relationship with my Mom. Living away from her, has made me more aware of her mortality, in a way that I wasn’t before.

    I used to see my mother everyday while I was still at home but in reality, we rarely spoke, because I made it a point of duty to reside in my own little world, consumed by my own interests.

    Now, everything is different because, when I realized that I won’t be seeing her everyday it became urgent that I at least speak with her as often as I could. No week goes by that I don’t see her and even more than before, we have built-in time that we spend going out and doing things together. That, I can treasure because the degree of separation let me know that valuing her now is more important than ever.

    Designing Reality

    Who knew that designing your own space could be so exciting? Over the past year, I’ve been able to curate a collection of items that match my own taste, temperament and comfort level. Just having that level of control has been a joy in itself and it is true what they say, about pushing your own key.

    Adulting’ is even more profound now, when I realize that I am truly responsible for taking care of myself. The ability to do it well is a privilege and responsibility I cherish. Even in the midst of acquiring, I’m also learning to be minimalist, removing clutter and focusing on the things that matter most.

    Make Space

    So now that I’m on my own, I have to be mindful of the temptation to just chill and enjoy my own company all the time. I have to push myself to carve out time and activities that take me beyond the four walls of my abode. For some reason, it’s kinda difficult. I’m never lonely, so I really have to drum up the urge to get up and out of my space and do things. I’m getting a better grip of this, but for a while, I felt almost like a hermit. I joked with a friend, when I initially moved that I was nesting, but having nested I’m now more comfortable planning activities and just taking on the road with my friends. Stepping out of my literal comfort zone is as much for entertainment as it is for survival and when I don’t want to step out, I host.

    In My Zone

    The one thing you become acutely aware of when you live alone is yourself. It’s inevitable, because you will be spending a good amount of time on your own. If I was never comfortable really being alone before, then spending the past year living solo has fully converted me. The most invaluable insight though has been an appreciation of not just my own company but coming to terms with the fact that at the end of the day you are responsible for yourself. Surviving and thriving is up to you as an adult, and while there are those who love and support you, it’s your responsibility. Recognising and coming to terms with my own independence has been empowering and continues to push me forward.

    I’m happy that I had good practice taking care of myself otherwise this would’ve been a much longer post.

    How are you making the most of your ‘alone ‘time? Let me know in the comments.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • How a one month break from Instagram shifted my focus

    How a one month break from Instagram shifted my focus

    I have been adrift.

    Somewhat overwhelmed by work, some aspects of life and just the cut and thrust of existing.

    There’s a fix however, that most of us have access to, if we are full time employed: Vacation days! So I decided to take some.

    Even before my vacation time had come, I made a decision quite early that I would temporarily deactivate my Instagram account.

    In my last blog post I mentioned how much of a time suck it is for me. I ended up deactivating a week before going on vacation and the expected FOMO (Fear Of Missing Out) never materialized. I ended up remaining off instagram for a little over 4 weeks.

    For the Love

    It’s sometimes hard for me to adequately convey how I feel about the platform. What I know for sure, is that it can devour my time, and some content can be triggering. It doesn’t help that my work revolves around social media, so I usually have need to use the platform more often than not.

    Just to be clear, I LOVE social media.

    It’s through social media that I have been able to make meaningful and lasting connections with people who, with my otherwise introverted self, I would not have had access to. Additionally, it satisfies my insatiable need for information and with a carefully curated list of sources, I’m pretty content with what I am able to access and digest.

    There is however another side to social media that I find tiring – the performance of it all!

    Tiring as opposed to problematic, because I don’t believe that taking and sharing a picture to tell a story about something exciting happening in my life is a problem. I do find tiring, this seeming innate and pathological need to convince the world that ‘I AM OK’.

    Now this is me, I’m not even sure this is what other people feel, but I got to this point where I felt like every post needed to be a visual representation of the fact that, I’m alive, I’m thriving and having the best time of my life. That shit gets tired.

    This is not on Instagram, it’s on me.

    The smiles are never forced, and for the most part I have more good days than bad, but I started questioning this ‘obligation’ to let the world know what and when those were.

    Making it Real

    Over the past couple of years, I’ve actually started to be much more deliberate about what I decide to post on social media, and what aspects of my life I share. But unlike ‘influencers’ and Instagram famous people, who curate their timelines for aesthetics, I simply wanted to keep some things sacred.

    So in a way, I’ve flipped it. Things that I used to feel that I needed to share to allow others to know what’s going on in my life, I feel a bit more protective of, now.

    I threw off what felt almost like a chore and chose to just live and enjoy moments.

    This article written by New York Times tech columnist, Kevin Roose, brought me some eye opening perspective on phone use and how disruptive it can be if left unchecked.

    He untethered from his phone for 30 days, which allowed him to pick up new hobbies, and resulted in him reducing the amount of time he spent using his device.

    My own experience, though much less intense, allowed me to make some important observations. The most revealing, was just how little I know about the lives of my friends and former close acquaintances, even though we are connected via social media.

    Connect (ed)

    Sadly, the invasiveness of social media fools us into believing that we are plugged into the lives of our loved ones… So we know that our friend from high school is getting married, having a baby and just got a promotion.

    But social media is just a balcony with a view.

    In fact I’ll go further and say, social media access to the lives of our friends is merely a pair of binoculars. You can see everything in detail, from miles away, but you’re not really there, involved and participating.

    Being a spectator in the lives of our friends, through social media, is not the same as being involved. I came to this realization, when I didn’t have the same access to some people’s lives, without IG. It became clear, that while we are connected we aren’t truly connecting.

    Just because I have a friend on social media, it doesn’t mean that we are even having regular conversations.

    There are people I have known, who passed away and the last memory I have of connecting with them, was a photo they posted, that I liked.

    Not a call, not an in-person meet up, not even a conversation, just an ephemeral interaction on social media.

    I had to ask myself – “Was that meaningful enough?”

    It isn’t.

    Spark Joy

    Some of us (myself included) may take for granted the people in our lives because, we have virtual access to them on social media but what you see is not always the real deal.

    Because we all have that need to convince the world that we’re doing ok, based on what we post on our social media, it’s not good enough to just keep track.

    I now pursue more meaningful connections with my friends and some other acquaintances, off social media and work to be more present, in general.

    I’m also happy to report that taking a little time away from Instagram had another interesting side effect. I use the platform way less than before, now that I have returned.

    Previously, I depended on the in-app timer to alert me when I reached my 1 hour usage limit for the day. Now, I’m not even being alerted because I spend so few minutes of my day browsing.

    I feel a bit more conscious of the presence of my loved ones and I can truly treasure their presence. Even better, I’m more interested in their lives. This is what being social is truly about for me.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • Letting Go of the Need to Know

    Letting Go of the Need to Know

    It has taken me a long time to learn an important lesson about life and relationships. It is the fact that I do not need to understand or ‘figure out’ why people treat me a certain way.

    I know there’s a popular saying that goes “it’s none of my business what other people think of me,” but I’ve come to realize the value in getting rid of not just the need to know, but the why behind it all.

    There is so much to gain from not having the need to know why people treat you a certain way, especially when it is negative.

    For example, I remember a time when a relationship I was in ended. I was in a lot of pain as I attempted to process everything about the situation. More stressful however, were my attempts to try and figure out why the other person did what they did to hurt me and how they felt about me.

    I became a slave to my ‘need’ for this knowledge, holding it like a warm coal to keep me going, or so I thought. But what I was really doing was placing a burden on myself by trying to discover something that could neither help me nor change what had already happened.

    Can you imagine thinking that knowing why someone ‘broke your heart’ would free you? Yes, it took me a minute.

    Another instance was when a long time ‘friend’ slowly drifted away. They stopped communicating with me, acted like I was the one who made the 180 degree move and went silent, when all I did was follow their lead.

    For years I racked my brain trying figure out what changed? What did I do? What expectation did I not live up to?

    I was hurt.

    It gets Better

    In both situations I was at the mercy of this supposed obligation on my part. Trying to figure out people’s motivation, like a private eye and lawyers piecing together a murder mystery to ascertain motive. But all that was burdensome and simply made me sad.

    So over time I realized that it was fruitless and counterproductive.

    Knowing would not help me anyway and was needlessly tying me to people who really couldn’t care less about me.

    The decision therefore was for me to let go and free myself from this need.

     

     

    Almost instantly I realized the freedom there was, in not having to know why a person treated me a certain way.

    After having a quiet conversation with my ego I also acknowledged that rejection in any form is painful, but it’s also complete, no follow up answer necessary.

    I didn’t need an explanation of the other person’s ‘why’ to move on with my life. In fact, the sooner I let go of that notion, the quicker my freedom will come. Sure, the questions may linger at the back of my mind, but I refuse to be burdened by the need to know.

    Many of us fall into the trap when mourning relationships of trying to figure out the ‘why’ of it all – “why did this person choose to push me aside why does this person treat me a certain way?”

    But this gets us nowhere because it doesn’t change the reality of the rejection and it doesn’t free us from the memory of that hurt. So then what?

    It’s simply not wise to belabour the point.

     Much Better

    The other side of this coin has made my life so much more glorious!

    Listen, when people choose to walk away, I don’t even ask two times why and I refuse to worry about it.

    I’m good. Do you boo!

    If excommunicating me from your life is a positive life decision for you, I don’t need to be told twice. *peace*

    In the same vein, if people treat me a certain way, I am not trying to be their therapist. If it is too much for me to handle, then I’ll handle accordingly. Life’s too short trying to always question why people make certain uncomfortable decisions.

    I recognised just how powerful this stance is when I had to caution my closest friend on many occasions. She was always trying to figure out the thinking behind her tormentor’s motivations.

    “How could they think and behave the way they do?”

    I was always there to reminder her: “That’s not your concern and should not get in the way of your healing and progress, so keep it moving.”

    This was not her battle nor was it beneficial to her, attempting to know that. We live, we learn.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • How to be a Better Person 101

    How to be a Better Person 101

    Sometimes I get all hot and bothered about how terrible people can be, in every sphere of life. It simply amazes me how selfish and garbage we are to each other, in daily life. For many of us, we get to witness the ‘joy’ that is humanity at the place we spend most of our time – work or in traffic.

    We’ve been led to believe that being a good person is as easy as putting on a happy face and saying good morning to every person you encounter in the morning.

    But real life isn’t as simple, because while, being a good person is largely self-determined, managing how we react and respond to others around us, is not quite the same.

    I have a bunch of pet peeves about how we treat each other and there are some simple things that we all can choose to do, as a personal standard, across all spheres of our lives, to be better people.

    I have my own weaknesses and I acknowledge that I am a work in progress, may this be as valuable for me as it is for you.

    Stop breaking your own heart

    How do we break our own hearts you may ask? By breaking the promises we make to ourselves, for ourselves; by not doing things that enrich our lives; by using our valuable time doing things that break us down instead of building us up. There is so much harm that we do to our own person every day. And it seems easy to disregard because it is internal but it’s important. Too often we don’t realize that the journey to being a better person for others begins with us being good to ourselves.

    Figure out Loyalty and be Loyal

    The world considers loyalty a gift that keeps on giving, in fact Confucius said “Be loyal and trustworthy. Do not befriend anyone who is lower than yourself in this regard.” But don’t assume that it’s something that you will know automatically. We all have to figure out what it means to us because, this will determine how we relate that understanding to our relationships with others.

    Talk Truth

    So easy to say, yet, seemingly so hard to do! The lies you tell to yourself, your mama, your best friend, your boss. But if you make a commitment to put a premium on being honest in your life, then it shouldn’t be a problem. This includes dealing with the consequences of telling lies. And half-truths or lying by omission technically don’t count as being truthful. We muddy the waters of our lives by being dishonest. Ripples from lies go far, even when we think there are no consequences.

    Stop wasting people’s time

    You read right. Stop wasting people’s time in all the ways that you do. If you are not interested, let them know. If you don’t want them, let them know. If they can’t fit into your life, let them know. What you shouldn’t be doing is dragging people along when you really have little or no interest in even considering them a valued part of your life.

    Be on time

    Contrary to popular belief, punctuality gives you so much power over a situation. Just imagine having a reputation that is centred on the fact that you are always on time. So for one, you will not be the person who usually waste’s people’s time, but you may even earn the label ‘dependable’.  That counts for much in certain aspects of our lives. Punctuality, just like being well dressed, is a gift that you give to others.

    Add Value

    In your every action and word, are you being a change maker? Can anyone truly say that you add value to their lives? We don’t often look at our lives in this way, but if we all consider that our time is finite, then every moment we have is currency. This currency, we get to decide how and with whom to spend. So how are you adding value with your time and energy? I try to add value to the lives of those I love and share my time with. Lately I’ve realized that I not only have something to say, but I can probably teach others a thing or two as well, my way of adding value, somehow.

    Stop Judging People…

    We make judgements about people based on so many different factors, but really is it worth it? I think I’ve matured a bit because this is something I have to deal with and manage as well. Because, my own judgement and perception of people can sometimes be self-limiting and prevents me from being open to the idiosyncrasies of different people. I’m re-learning how to deal with other people from a distant by simply observing. That’s my strategy though and it keeps me centred and less ‘judgy’.

    Take IG Breaks

    Social media is fun and a great outlet for expression but sometimes, in order to help us be our best selves, it’s a good idea to let go of its tethers. But it isn’t a bad thing to take a quick break from your social media sometimes, specifically, IG. After being force fed a curated visual representation of someone else’s life over a period of time, it’s almost inevitable that some of us will start sizing ourselves up and compare. It’s not worth it. Take a break if and whenever you need to focus on yourself and just thrive in your own aura.

    better person

    This is a not panacea or even specifically advice just my way of being less of a trash person. It takes work, but we can do it.

    What are some of the things you are doing to be a better person?

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog here  and share your content suggestions here.

  • Change Everything!

    Change Everything!

    I’ve been absent but not missing.

    What started out as a one month blogging break eventually turned into a two month sabbatical.

    The break became necessary as I used the time to manage some monumental changes in my life.

    By far the biggest change that took place over the past two months was planning and implementing my move from one living space to another. Leaving the nest is a big deal because it is a meticulous gathering of your entire physical life from one space to the next and it is equal parts emotional and tiring as you strive to jump from one rock to another, while carrying a bunch of stuff you have acquired along the way.

    The whole experience paired with some other observations, have given me an opportunity to focus on change and why it is so vital for myself and all of us to accept.

    I often hear the statement: “The only constant thing in life is change” but right now, I could wax poetic for hours about change and all the wonders of newness!

    “The only constant thing in life is change”

    Change is the fertilizer that keeps me growing and every time I get an opportunity to evolve I take it.

     

    I have always been willing to accept change, because many times in my life, I had no choice but being willing to accept and acclimatize to change, always meant looking for that silver lining.

    There are many people who perceive me to be happy-go-lucky, positive and optimistic, and for the most part, their perception is correct, however that attitude is grounded in my willingness to always deal with changes as they come.

    People are People

    By far the most challenging changes I usually have to deal with is the shifting sands of loyalty from some of those closest to me, whether friends or family. It is always difficult when the actions of some people in your life cause you to take a closer look at them and how they fit into your life.

    Where most people seem to have a problem is when they have to make a decision to change course in a relationship, because culturally some of us have been taught to hold on until something detrimental happens that proves that the worse has occurred.

    I have adopted a simple principle when it comes to dealing with changes in the nature of my relationships. This includes anything that changes my perception of said relationship and the person – When people show you who they are, believe them the first time.

    “When people show you who they are, believe them the first time.” – Oprah Winfrey

    This mantra has allowed me to really see the people who are part of my life, and acknowledge them accordingly. Sometimes, what I considered “change” was not in fact a shift in behaviour, just another opportunity to really see a person as they are.

    I am always thankful for those opportunities and whenever, upon reflection I ponder on why or how someone changed, I always seek to discover what was always right before my eyes.

    Roll, Roll, Roll

    Changes come into our lives in many shapes and forms and are often unexpected. Unplanned changes appear most daunting because the possible outcomes are always in the shadows.

    For example, changing jobs years ago was a joy, because of the possibilities that awaited me, plus an improved salary offer. But the unknown element did more than just scare me, it served to inspire me to not only give my all and really savour the opportunity to learn something completely new.

    From that experience, I’ve learned that the inverse of my fear and anxiety regarding a challenge will be excitement, satisfaction and a feeling of accomplishment. It can be no other way! Why go through a challenge and not come out triumphant on the other side?

    Change is Good

    Finally, there comes a time when change becomes necessary, because it takes us to the next phase. It’s impossible to get to that unknown place, without accepting and adapting.

    I know many people who are afraid of change because it makes them uncomfortable and disoriented. But in many ways, discomfort usually means that a change is taking place, that more often than not, will be to your benefit.

    Discomfort is often a prelude to growth and that’s important to all of us, but whatever the change, whatever the challenge, just Keep Moving Forward!

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog by filling out the pop-up (if you haven’t done so yet) share your content suggestions here.

  • Figuring Out Finances – Part 2

    Figuring Out Finances – Part 2

    It’s been said that money makes the world go round, but mis-use of it can bring your entire world crashing down.

    Case in point, online shopping is so super convenient but left unchecked, it can create a permanent hole in your pocket and your financial future.

    Money pitfalls will happen and recovering is not impossible but it takes discipline and sacrifice. In this second part to my look at figuring out finances, I speak specifically about debt and some ways I have dealt with it in the past.

    Usual Disclaimer: I am NOT a financial advisor, not even close. In addition, I’m sure you may’ve have read some of these tips somewhere else, however, whatever I have added here is based on my own tried and tested experience.

     

    Pay off high interest debt first

    debt

    This piece of advice is standard fare on any personal finance blog worth its mettle and it’s GOOD!

    Things we consider bad debt – Credit cards, the hire purchase agreement for the sofa that was too good to miss, the high interest personal loan that you took out because you needed that ‘thing’- all are considered bad debt. They are bad because they are usually attained for items that are not gaining value and have ridiculous interest rates and repayment terms.

    So if you have three pieces of debt lined up, your car loan, credit card debt, and a personal loan from your employer at a sweet rate of about 5 %, which of the three would you put major priority in getting rid of first?

    The answer is obvious… Credit Card! Not only is that bad debt but depending on the interest rate and the amount owed, you could be adding an astronomical amount of money to the  existing debt each month in the form of interest payments. Get rid of it by paying more than the minimum balance and most importantly, STOP adding to the debt.

     

    Refinance your student loan

    Many years ago, I was blessed with a loan from the Student’s Loan Bureau (SLB). It was an important means to an end and I was thankful. I thought they were a bit unreasonable at times, but the alternative – loan from a bank – was not an option. Personal loans weren’t being thrown at you then, as they are nowadays.

    After receiving my loan and finishing college, I now had to start the process of repaying it and I had known this from the get go. When I got my first job, I was about 5 months over the grace period that the SLB provides after graduation. I recall making a momentous first payment. It was then that I realized that I had already accrued some late fees.

    Well for some reason – youthful exuberance maybe – I completely missed out on making any more payments for almost a year. Life got in the way, I guess. Anyway, after a very scary call from an SLB representative, I got my act together and I agreed to salary deductions. However because of my malfeasance, there was still those pesky late fees plus arrears on my loan. It seems like a pit that I couldn’t dig myself out of, until someone I knew who had insight into the operations of the organisation, suggested to me that I should get my loan refinanced.

    Refinancing basics

    Basically, refinancing is an option where they recalculate your entire loan, missed payments and late fees included as well as all principal and interest that you would’ve had to pay, into a new total.

    You would then sign a new agreement with the SLB, along with your guarantors to make this recalculated payment, via salary deduction.  That saved my financial life and set me on a track to paying off my SLB, which I did in 2010.

    I recall asking my loans officer at the time, why they didn’t tell us that we could have our loans refinanced and he replied “because we would be doing that all day.” #TheMoreYouKnow

    Shop for cost not just preference

    debt

    If you are planning to buy a car, what do you look at first?

    Your favourite car or the vehicle that fits within the budget you have set aside for a car?

    Rule of thumb is to look at the one that fits within your car budget not just your dream car, especially if you will have to borrow a substantial amount to get it. I know that many people say that it’s ok to purchase a car as long as you can afford the monthly payment.

    But being able to ‘afford’ the monthly payment is relative, especially if this affordability is looked at in isolation. What of the cost of tires, servicing every 5000 km, GAS? Breathing room is good, especially if you’re not paid to drive – as a travelling officer. Apply this to most other things, but particularly big ticket items.

    Save something

    I think we get so caught up in the conversation about interest rates and making your money work for you that we forget the simple power and purpose of saving, period.

     

    Interest rates are a bonus for an activity that will hopefully help you achieve a longer term goal.

    The concept of saving is simple… spend way less, than you retain. That retention will help you in many other ways, just don’t touch that money.

    I know a good interest rate is ideal but I also know that keeping more of my money than I spend is even more important and beneficial. So make a decision about your income, whatever the amount and save some of it.

    Invest when you’re ready

    Once you have saved up some money, consider levelling up and start to invest. It is not just for ‘rich’ people either, as some of us have been led to believe.

    Now is the best time ever to invest on the Jamaica stock exchange, and the recent surge in Initial Public Offerings (IPOs) has created the perfect opportunity for new investors to get their feet wet.

    Randy Rowe over at Every Mickle has some great insights and resources on investing. This article is a good way to dive in as it sets you up with some of the fundamentals of how to get started in investing in Jamaica.

    I only wish that an investment app like Acorns, which is based in the US can become a reality in Jamaica soon and make investing even easier.

    There ends my literal two cents. I just hope that if there is anything that can help you be better, it will stick. If you missed part 1 of this article, read it here

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog by filling out the pop-up (if you haven’t done so yet) share your content suggestions here.

  • Figuring out Finances – Part 1

    Figuring out Finances – Part 1

    I have had a very complicated relationship with money my entire life. As an adult that relationship has gone through 3 stages – Awareness, Humility and Strategic.

    I became aware of the power of money as a child when I realized that some of us had more than others and could therefore do more. As I grew up this idea of the haves and the ‘have nots’ just became clearer. When I came of age and started earning, I was immediately thrust into debt with my student loans and had to learn pretty early how to weigh financial commitments with everything else.

    The humility came when I realized the powerful hold debt can have on us mentally, especially when we’re overwhelmed by it. It is quite easy to fall into debt and sometimes the reasons for doing so are frivolous. It is quite easy to fall into debt and sometimes the reasons for doing so are frivolous.

    I’ve learnt to be more strategic with not just how I spend and prioritize money, but also with how I deal with debt. Debt and how to deal with it has seemingly become a defining part of my adulthood as well.

    Along the way, I’ve learned some valuable lessons and figured out some good ways to simply make my financial journey, better and I’m going to share some with you.
    Disclaimer: I am NOT a financial advisor, not even close. In addition, I’m sure you may’ve have read some of these tips somewhere else, however, whatever I have added here is based on my own tried and tested experience.

    Find Novel Ways to Save Money

    Many years ago, a friend of mine told me that he doesn’t re-spend coins – Jamaican 5, 10 and 20 dollars. Up until that point, I adopted a similar principle but my coin denominations were much lower – Jamaican $1, 10 and 25 cent coins. After that revelation I started doing the same with my larger coins and for a time, I would cash up to $10,000 worth of coins at the end of the year.

    A recent tweet gave me pause and an opportunity to once again, level up.

    Imani is saving $50 dollar bills. So I’ve already started and I’ll go as far as it takes me. These interesting personal challenges allow us to not only test our resolve to stick to something that’s good for us, but help us to automatically save money. I’m not saying this is for everyone. But if you can manage to keep those $50 bills to yourself, do it and see the lump sum you’ll have at the end of the year.

    Always shop around for lower interest rates on loans

    Sounds easy and it is.

    If you are in a borrowing relationship with a financial institution, always check around for better rates – so whether you have a credit card, auto loan, personal loan – don’t neglect this. In fact, you may have loan options underneath your nose, via your employer, through loan sales or special product offers from financial companies. The goal is always to seek lower rates if you borrow.

    Don’t fear credit cards

    They are not your enemies.

    I jumped into a credit card over a decade ago and I’ve never looked back. I remember when I had just applied I was told that I was making a mistake by getting one. But looking back I am thankful that I learned the hard lessons about using this tool early, so that now, I am able to make more calculated decisions about it. What’s even more fantastic now is the variety of cards that are available.

    A while back I transitioned from having just a simple credit card, to having one that gave me a benefit. No longer would my debt just be debt, I would be rewarded for it as well! LOL. Even better, my interest rate went down.

    But in all seriousness, if you want to get a credit card, plan to take the risks with it that you can afford and read all the fine print. Also, if your provider offers, always take the credit card insurance. You only pay insurance on what you owe.

    Know your cut off dates, payment and billing dates, Annual Percentage Rate (APR), annual fees, if any and all conditions surrounding the use of your card.

    Finally, don’t ever let a credit card provider fool you into taking a credit card with a higher interest rate, regardless of the ‘benefits’ or lack of annual fees.

    They may tell you this “The interest rate doesn’t matter if you pay it off every month” but suppose you choose not to pay it off at the end of a month? Wouldn’t you rather be charged the lowest possible interest rate than a higher one? Think about it.

    Save in foreign currency

    This is just something that has worked for me depending on the type of account I’m using, for a number of reasons:

    Firstly, having a foreign currency account, specifically a US$ product, has proven beneficial because with diligent saving, I always have foreign currency on hand when I need it for travel or particular expenses.

    For medium or long term accounts, especially fixed deposit type products, I have found that over time, it’s better to save in a foreign currency because I get better value on my saving. This is even better if the interest rate isn’t that attractive, you’re able to add value to your savings based on fluctuations in the currency trading markets.

    Buy in Bulk

    I live by a simple rule: Never run out of toilet paper at home! I don’t care where you choose to buy it in bulk, just do it. Buy a year’s supply or 6 months supply just always have toilet paper stocked up.

    But this is about more than just toilet paper. I just find it so much more convenient and cost effective to get certain supplies in bulk instead of making purchases month to month. My suggestion on approaching this is to buy basic items in bulk and include more products as you continue to manage your usage. It saves you money and works out in the end.

    There are some more ideas that I will share in my next update, but until then, I hope these are helpful.

    Be inspired, Be informed, Be Glorious!

    Kevin

    Subscribe to the blog by filling out the pop-up (if you haven’t done so yet) share your content suggestions here.