Your expenses can foretell your financial future

Dear Beloved,

Welcome to Today’s


I don’t know what the future holds, but one thing I know for sure is that He who holds the future holds you on his Palm. And is no other person than God.

We are all fascinated about the future. We want to know how things will turn out, what the future holds. Many have gone to great lengths to consult prophets, seers, marabous, oracles etc to foretell their future. There are things that are difficult to predict, based on the fact that we have no control over what others will do tomorrow.

However, most of what happens around us is as a result of decisions we made in the past. Success leaves clues. You can tell where someone is headed by the company he keeps, the books he reads, his daily rituals etc. You can predict someone’s financial future to a large extent based on their monthly expenses. The expense column reveals a pattern that tells a story. It also reveals the owners mentality – lack or abundance mentality.

Good and bad expenses

Expenses will always be with us. There is no running away from bills. The richer you become, the more bills you incur. Even when your financial situation remains the same, your expenses go up as you become older. If you don’t deliberately focus more on good expenses, bad expenses will overwhelm you over time.

Good expenses are expenses on assets. It could be on items that generate cash flow immediately like investment portfolios or businesses, or investing in your mind and body through personal growth and development, fitness training etc. Consequently, good expenses make you richer.

Bad expenses are expenses on liabilities :  things that take money for you but do not translate to growth. Some of these expenses are on things that are bad for you. They may actually lead to higher medical bills down the line.

Be aware of what you are doing

Take a second look at your monthly budget. How many items on that budget will lead to future growth? If all you do is maintaining where you are, earning to spend, you financial future will look pretty much the same.

Many business owners, especially contractors complain about the irregular nature of their income. The nature of the business to a large extent dictates the nature of income. However, after the money has reached your hands, what have you done with it to generate other sources of income? What does your expense column look like? What percentage of your expenditure goes on growth?

A farmer that desires growth plants more. That means a larger percentage of the harvest is allocated to cultivation. It is as simple as that. It is not rocket science.

For many, growth simply means going for a higher educational qualification. That is okay if all you are looking for is to earn a more comfortable salary. That means your well-being is still left at the mercy of your employer, inflation etc. After you have earned a PHD and become a Professor, what next? What is your post employment plan?

What are you doing today to move you towards where you want to go? According to Management guru , Peter Drucker ‘The best way to predict the future is to make it happen’. You are already making your financial future happen by the things you are doing today. Your expenses hold a clue where you are really heading financially.



Rejoice Chikamnele – Sir J
( aka the passive income coach )

May It Be A Successful Day’s Ahead For Me & You


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Rejoice Chikamnele - Sir J
Rejoice Chikamnele - Sir J
Rejoice Chikamnele – SIR J - is a serial entrepreneur who has built multiple successful online businesses hitting Millions-in-naira sales mark from the scratch……. A young man who embraced the Opportunity of Internet Business at a Tender Age of life… A Successful Advanced Giant Digital & Mobile Marketer| Information Marketing King | Website Designer | Web master consultant giant| An online importer | A Self made young millionaire. To Read More About Him = Visit :===> OR Visit : =>

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