How to Plan Yourself as a Young Adult

I f we could all go back in Time, We all could have done things differently, for instance, maybe i could have chosen another career, maybe i could have started saving early to save more.....just maybe i could have rushed back to college immediately i started working.....? 

Today i want to advice young people, with the harsh economic times, you could adopt some few tips....

1) Find your Lifelong Purpose, Discover your talents and abilities, look within your inner self, have a goal to achieve it in life.

2) Go back to School. Get more certificates to advance your Career.

3) Start preparing for an early retirement Plan. Early plan and savings yields high returns.

4) Place a value on your money, ask yourself, is it worth it? Lets say you earn 1000Kshs a day, and you are considering to buy a smartphone worth 12000Kshs, ask yourself, how many days will it take for you to work and buy that phone? 12 days, really? is it worth it?

5) Evaluate the need to use your Credit Card, its much easy to spend using Plastic money but its so hard to pay it later. This also comes with an Interest which is painstakingly dipping into our pockets. Save money to meet your goals.

6) Choose your partner wise. Someone who shares the same dreams and ambitions like you. Passion is important, but trust more so. Make sure you are free to be yourself. If you hook up with an angry or overly critical partner, you will be subjected to hostility and may lose your sense of self. Conversely, if you're the one with anger issues, resolve them before they poison a perfectly good relationship.

7)  Machiavellian tactics won't really help you to survive, but instead will create mistrust in your relationships. Treat others the way you would like to be treated. Avoid Gossip at work and seek out the company of people who are positive and supportive of your efforts.

8) Be prepared for the unexpected....Plan for emergency, Someday you may lose a job through no fault of your own. Prepare today by stashing money into an accessible emergency fund. The easiest way to do this is to automatically divert a portion of your earnings into a savings account in addition to the amount you're contributing to National Social Security Fund.

9) Learn about Investing and Hire out a Financial Advisor.

10) Take some time out.... Take some time out each day to reflect on the good in your life. Spend at least one day a week in a recreational activity or hobby that you enjoy, and take a minimum one-week vacation annually if you possibly can.  Most Importantly, Save for the Trip.


Hope these Tips encourages you all. Nice day.