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How to overcome debt no matter how much you have



How to overcome debt no matter how much you have

It is never the end of the road when it boils down to debt, debt settlement, or getting out of debt. You might have tried out so many plans and strategies over time all may seem not to work out because of your earnings or how much you have. 

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Overcoming debt can be tackled by taking smart decisions and with all the right strategies put in place, you would be walking out of debts with all ease and within a short minimum bear time thus reducing how much you owe. 

This article will explore you to working towards your debt and commanding it to varnish from the entrance of your house with immediate effect. Just kidding!!! 

Regardless of what you have, there is always an option to win over debts, so get started by reading through in order to become debt free forever.

Estimate your total debt

This is a go-to point and also a starter to overcoming your debt, you need to remember that to solve a problem you need to get down to the root cause. Many tend to look away from this but one way to know exactly what step to take is to have a sum of what you owe. This will help you have a goal of the exact amount that must be cleared off within a possible time frame. 

Start by collecting all the names of the people you owe, call your bank and ask them the sum of everything and finally get down to the total of the debts. 

By doing this, you are creating a strategy and having a single list to overcome those bulky loads of debts. Make orderliness your backup by customizing your list starting with the names, the type of debt owed, the interest rate on each, the payment terms and duration, and also the minimum monthly payment. 

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Make a list of how to start paying your debt

When it comes to making a list of priorities for your debt this is called the Avalanche method. With debts that are concerned with a high-interest rate that has accrued themselves over time, this fallback method is for you. The avalanche method helps you to pay off your interest rates thereby putting the most expensive ones at the top of the list and thus continuing downward to the least of the interest rates that need to be attended to. 

In addition, some may take pleasure in starting with smaller debts and then proceed to the next which looks higher. This is known as the Debt snowball method but here is the takeaway; do what motivates you. You have two methods to choose from: either starting with the debt of high-interest rate and journeying downward or picking up the smallest interest rate and going higher.

Stay out of accruing more debt

If you want to overcome your debt, do not add to the list of debt active because when you do there won’t be a possibility of getting out of it no matter the duration. 

Take away tip here: Stop accruing more debts to yourself!!!

You might be faced with the temptation to take on more debts but do not oblige as this has just one result; doing you more harm than good. Also by considering the amount you have, stay off the track of accruing more debts and put the situation under a halt. 

Exceed your minimum payment

This point is appearing on the list because it is one of the prerequisites to overcoming your loan more quicker than you expect. If this is right, then you might be thinking of the steps right?

By paying more than the minimum, you will be saved from the shell of paying high-interest rates that may accrue with time in order words this helps your interest rate on debt to be cut down and also the amount of time required to pay off the fees/debt will decrease and finally, you can take a breath.

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For example, if you have a debt of #300,000 with a 12% annual percentage rate (ARP), when you pay a sum of #5,300 approximately in a month it will cost you #144,850 total interest and this will take up to 7 years to be paid off. But if you increase the monthly payment to #7,900 every month your interest rate will go down to a minimal sum of #79,207.23 and thus will take up to 4 years to clear the debt. 

Create an Emergency fund

In life, there are uncertainties and different things that happen unexpectedly which can range from sudden pay cut to losing a job, pandemic, paying hospital bills, school fees, and so on. Emergency funds are funds that are created to tackle these uncertainties thus meeting every requirement needed to clear off the debts that may show forth as the journey through life. 

While the common trend is 3 to 6 months, make it a point of duty to stick to the process so it can be your resort later. 

Read more about Emergency funds here.

Cut down extravagant lifestyle

You don’t need this or what more, this causes more damage than repair. This is also one of the strategies for overcoming the accumulation of debt. 

A form of irresponsible spending on things that aren’t valuable no matter how much you have will always end you up in the hole of debt. In addition, bad habits can also contribute greatly; if what you love doing is gambling, a big loss can lead you to a big debt and finally into a big mess.

Living below your means and spending less money on watches, clothing, accessories, utilities, and subscription can help you get out of debt quickly. On a final note here lies the kind of house or apartment you live in, before delving into this try to look at what you have and don’t go beyond your means.

At all times, “Put in your horns” where necessary. 

Discuss with your bank how to reduce your interest rate

Pick your phone and explain to your bank why you would like to fall back on a lower interest rate. To do this start by pointing out your history with the company and mention your good credit and on-time payment history so far and if it seems things are not working out initially be patient and call again some other time; make sure to stay diligent and try all possible best to speak with someone in higher authority in the bank. 

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If the bank refuses to lower your interest rate after so much deliberation and discussion, try opting in for another benefit that could make you remain as their customer thus they possibly might offer you a bonus point or additional incentives. 

Have a WHY

Having a reason why you need to overcome your debt no matter how much you have can be your driving need and zeal to clear those debts which you have accrued one way or the other. 

Having a list of debt may be mind-boggling most times but reflecting on the reason why you need to overcome it as soon as possible will enable you to take a stance toward walking out of the debt. 


On a final note, no matter how much your earnings are or even how much you have, there is always a way to overcome your debt without accruing more debts and or more interest rates. Overcoming debts doesn’t have to be improbable instead follow every piece of point listed above and strive towards getting out of debt and building financial wellness for yourself and your family. It’s never too late to take action. 

Frequently Asked Questions (FAQS)

What is Debt Consolidation

Debt consolidation can be defined as the process where an individual adds up debts from different creditors and take out a single loan to pay them all possible at a reduced interest rate and a lower monthly payment. 

What is Debt Settlement

Debt Settlement can be defined as the process of negotiating with your creditors to settle a specific debt for less than what is owed.

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5 things you will never regret doing



5 things you will never regret doing

Below is a list of 5 things you will never regret doing, number 4 is very important. Kindly drop a comment below if there are other options you will like us to add.

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5 things you will never regret doing

1. Going to the Gym

Exercise is very vital to health and generally to the whole body system ranging from good heart health, increasing muscle mass, and reducing the risk of certain health conditions which can be detrimental to helping you manage your weight, improving your mood, and making you look younger and active. Isn’t that interesting? 

Going to the Gym

Your role is to focus and enjoy all these benefits for yourself. You can go to the gym and carry out some physical exercise which includes the use of cardiovascular equipment such as climbing stairs, rowing machines and spin bikes. Others can include strength training to keep the bones healthy and focusing on body workouts. 

Some of the benefits of going to the gym can include:

  • Strengthening the heart
  • Burning of calories 
  • Making you feel better
  • Helping you to control weight 
  • Fighting health conditions and detrimental diseases. 
  • Promoting better sleep and the list goes on and on…

Watch the video below to know more about the benefits of going to the gym

2. Spending time with your family

Family is always number one and they must not be replaced by anything, as an individual they must be your priority in everything and everyday life. Family bond is what can help us to scale through the hurdles of life, family should always be there to support and this can only happen when you spend more time with them. 

Spend time with family

Family is a special gift that must be cherished always because they are always there when we fall. 

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What then are the advantages of spending quality time with our families? 

  • It strengthens the family bond: By going for outdoor activities, gardening, sports activities, go hiking, and going to recreational centers during leisure can help build families closer thereby increasing the bond between them. You don’t have to acquire bigger money or capital before doing these sorts, in your little way make the bond grow stronger by doing some activities that can be fun-filled. 
  • It improves children’s physical, mental and academic performance: To improve the excellence of the physical, mental and academic performance of a child or subject, a child will need his or her parent. Spending quality time with your child will help the child to develop and this has a positive effect on the well-being, growth, and development by encouraging the child always, giving attention to their activities at school and outside school will boost the child’s performance sporadically. 
  • Reduction in violence: When parents have an intimate relationship with their ward, this will help reduce the rise of violence in society and the country at large. There are periods in the life of a child that is very crucial and without a proper check at this moment it can lead to violence and bring about nuisance in the public.  A conversation with someone who cares and can understand them can help calm them down and feel less frustrated and perturbed. 
  • Less chance of drug abuse and misuse of drugs: Teenage children who spend time with their parents are less likely to be engaged in the misuse of taking drugs and abusing these substances. The effect of these drugs can range from deteriorating mental, physical, and emotional health. Parents’ role can help reduce the abuse of these substances. 
  • Promotes happiness and greater confidence: Looking to boost the confidence of every member of your family then opt-in to spending quality time with them. Build self-esteem and make everyone in the family valuable. 
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3. Building your own business

Starting or running your own business will require you to go out of your comfort zone and try out something new. According to research conducted by Alliance, about 76% of people who took a decision to run their own business ended up being happy that they did. 

Start a business

There are many benefits attached to running your own business and these can include:

  • Financial Independence: Starting a business may look tough at first but it has several benefits than falling back on either salary or wages. With determination, hard work and perseverance the business will soon get off the ground and make you achieve the independence you’re sorting after moreover the ultimate goal of starting out the business is to achieve financial independence. 
  • You will be able to control your schedule and lifestyle: The sky is your starting point when you are your own boss, starting from having a flexible lifestyle, and creating time for yourself and loved ones. Despite the fact, that you still have much work to do nobody’s controlling you to make sure you do their job in their own time or their own way. 
  • Make you creative: Each day of your life brings you an exciting opportunity to engage your passion for what you love doing best. Knowing fully well you’ve decided to take your own future is exciting. Rather than following the trend of others, you can do something different or something new to spice up your business. What are you waiting for? 
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4. Not caring about what others think of you

Inasmuch as Human beings love to crave for Intimacy, connection, and relationships, what if caring about what think about you is pulling you back then it’s time you opt-out from that zone.

Not caring about what others think about you

Some tips to opt out include:

  • Try Affirmations
  • Don’t compare yourself with anyone 
  • Don’t tend to please everyone

5. Learning a new skill

In this present age and in a kind of environment where technology is advancing daily, having a skill will pave more way for you than a certificate. Most of the known affluent men and women in the world today developed a skill earlier and that has made them to become who they are. Do not boast on that 9-5 job that you have today engage yourself in a skill even if you don’t need it now. 

Learn a skill

Many lost their jobs in 2020 as a result of the effect of COVID and many couldn’t return to their job they lost it but those who had skills never felt rejected they built on what they have and they are happy such an opportunity came in order for them to discover their purpose and finally find happiness to do what they love. 

Life is all about learning new things and learning a skill will always give you an edge over situations, and challenges and distinguish you for success in any work you find yourself. 

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Financial Motivation

Reconnect with yourself – Best Motivational Article ever!



Reconnect with yourself

You might probably be looking for answers to the following:

  • How to reconnect with yourself daily?
  • How to reconnect with yourself again?
  • How to emotionally reconnect with yourself?
  • How to reconnect with yourself after trauma?
  • Reddit pages to reconnect with yourself
  • Quotes to reconnect with yourself

Remember the time you wanted more.

Remember the time when there were people in your life that did not believe in you.

Remeber the time when you honestly gave up on the possibilities of the uniqueness that you had inside.

Remember there was a time when you complained so much, but yet did so little that comes to appoint in your life that you must recognize and that there’s a little bit more that has to be done than just complaining about it.

So many people are suffering from so many things in this world at this moment but yet you are complaining, so many people in this world right now wish they could trade places with you but yet you are still complaining. You don’t have that right to give up, you don’t have that right to just throw in the towel and say that it is over for you.

Reconnect with yourself

You have to realize that you don’t have any other opportunities waiting for you if you are not willing to work for the first opportunity that has been given to you. You dont have a lot of time left, so there’s no reason to complain. You are not even in the position to complain. You have to figure out that there has to be another about you and you have to understand that there’s something even greater and more challenging waiting for you.

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If you are not willing to step out of your comfort zone, if you are not willing to understand that the principles and the possibilities that you have within yourself then everything that you are thriving for, everything that you are hungry for will soon come to an end.

I’m not here to preach to you about this, I’m here to let you know that there are things that are going on around you right now that are far greater than you are complaining. You complaining so much but yet you show no action. If you could trade places with someone right now and the person that you are trading places with may have just a little bit tougher than you have it going on in your life now.

How to reconnect with yourself after trauma?

How to reconnect with yourself after trauma?

Dear readers, you have to understand that the reason you are existing in this world right now is because you have things that must be done and only certain people who are qualified can take it ot the level it needs to be taken to.

There should never be a limitation to whereever it is that you seeking and how far you are willing to travel and how far you are willing to go.

Sometimes people tend to get a little lazy, sometimes people like to put themselves in this little bitty box and just say that they are okay with where they are, They are there can never be an okay to anything when it comes to life, there should never be a complacent mindset.

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How do we evolve? How do you evolve? How do you grow? One thing about success there are going to be many struggles, there are going to be many challenges, and there going to be many challenges, and there are going to be many things that you may not even understand, but you got to go back to where it started.

Remember, when you want it more because you cannot satisft your hunger with negative energy. Being negative doesn’t help you to grow, being doubtful doesn’t give you the power that you need. You have to come to a point in your life that you must realize that there are things that are going on that is testing you.

Emotionally reconnect with yourself

Emotionally reconnect with yourself

You may be in a position where you feel that you are broken or you are feeling that you are going to be broken, well I’m here to let you know that you are built to last, I’m here to let you know that you don’t have the right to complain anymore. I’m here to let you know that you got to keep on living and living on strong.

I dare you to take a trip to your local hospital and if you have an opportunity to walk down those corridorsand witness so many different people, different age groups, different ethnicities., and each one of this individuals are fighting something. They are dealing with some type of sickness and some of these sicknesses; they may not be able to recover from.

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I dare you to walk down the neighborhood where there are many people that are homeless and have no place to go, no food to eat, barely even have clothes on their backs. I dare you to realize that maybe you just don’t have it so bad after all, maybe it is time for you to realize and recognize that your troubles are not that bad.

Maybe it is time that you realize that you need to get away from the drama that is in your life, maybe it is time for you to stop chasing misery and start chasing your dreams. Reconnect with yourself because this is not the time for you to be wasted. put yourself back and start pushing yourself forward.

Reddit/Quora pages to reconnect with yourself

If you are looking for Quora/Reddit pages to reconnect with your self, Visit the pages below:

Reddit I: A guide to reconnect with yourself

Reddit II: Using meditation to reconnect with the core self

Quora I: How can one reconnect with oneself?

Download ‘Reconnect with yourself’ E-book

“Reconnecting With Yourself: A Guide To Finding A Truer You” is an excellent self-improvement book written by Yvonne Glasgow.  Use the download button below to get your copy from Amazon.

Share this article to anyone who is trying to reconnect with theirselves! Thanks for reading.

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30 Things to do before you turn 40




While living quick and kicking the bucket earlier isn’t really ideal, there is something to be said about boosting your time as a capable and sound individual on this planet.

To say I have been there

“Be wise with speed; a fool at forty is a fool indeed.” – Edward Young.

Here are 30 things you’ve totally got the chance to do before you turn 40:

Thirty things to do before you turn 40

  • Quit one bad habit:
Quit one bad babit

It is often said that habits make or mar a man. 40% of the things we do daily are habitual. In essence, we don’t think about it, we just do it and these habits, compound to determine our lives and future trajectory. The questions to ask ourselves are these; do these habits of mine empower or disempower me? Do these habits limit or free me? Do they help or hinder me from achieving my set goals? Close examination of your daily routine will show you what your habits are.

Afterward, you can honestly answer those aforementioned questions. Habits like watching movies for hours on end can be stopped gradually by reducing the hours and filling up the hours with more beneficial habits like reading books.

  • Watch the movie; “This is 40”:
This is 40

Paul Rudd, Leslie Mann, the Apatow children have all done a good job as a family unit and they as a bunch work in this movie because if they couldn’t then there was no point in watching the film. Their daily routines, arguments, conflicts, sense of love, and togetherness at times are fun to watch.

The film has some funny scenes (like scolding McCarthy’s son or how the therapist has advised them to converse with each other) and there are some misses as well and although sometimes the latter threatens to overpower the former, the film is largely watchable and at times entertaining as well. It’s definitely not even close to Apatow’s best.

Often, we get caught up in our busy lives, working and working, so many ‘busyness’ to attend to. All these are at the risk of our happiness and leisure time. Create a time to watch that movie, that blockbuster that your friends have been raving about. Not only does the movie distracts you from your busy schedule and makes you lighter and happier. It also enables you to spend quality time with friends and have something entertaining to discuss apart from work.

  • Forgive an old rival:
Forgive an old Rival

Do you like the idea of someone in control of your emotions and actions, like a puppeteer? Yeah, that’s it. You don’t!. Forgiveness snatches up power and places it back in your hands. It is the ultimate healing process, one we don’t just do for others but for ourselves. Besides, Gandhi once said “The weak can never forgive. Forgiveness is the attribute of the strong”

  • Find a mentor:
FInd a mentor

Before you turn forty, getting a mentor who guides you down the path of growth is important. It doesn’t matter what area of growth. It may be entrepreneurship, art, singing, hey! Even some nice dance skills. This is because a mentor can help shorten your learning curve and open your eyes to new opportunities and promotions. Get a mentor, if you don’t already have one.

  • Do something that scares you:
Do something scary

This is not some ruly advice to sit in front of the TV and knock yourself out with blockbuster HORROR movies. This is a directive to go out and face your fears. Doing things that scares you helps you become a braver and stronger person, it takes you out of your comfort zone and gives you a new perspective to things. In the end, you get to realize that the scary things in life weren’t so scary after all.

  • Do a house sit:
House sit

Oh, Yes! We all know you’re super busy at work. You have so many deadlines and there are tons of social functions to attend, acquaintances and friends to meet, networking functions that you must be present at. But, do endeavor to take a step back, sit at home, enjoy the feel of your home, do little things at home, work your pet, eat lunch and dinner prepared by yourself for a change. I promise a sit-at-home is a great detoxifier. You’ll be recharged and ready to roar back into the world.

  • Watch a tranquil video:
Tranquil Video

We all know most movies trending in 2021, are of the action, war, and emotional genre. But, take a moment to watch a calm, serene, and composed movie. These types of movies have a way of talking to the mind and calming the soul. They make you aware of your environment. It’s one of those things to do in a lifetime.

  • Listening without talking:
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Calvin Coolige once said, “It takes a great man to be a good listener”. Learn to listen, not just to the people and their words. Listen to the environment and the message it whispers to your senses. Listen to body language. Listen to even your deepest thoughts and strangest callings because listening is an art that requires attention over talent, spirit over ego, and others over self.

  • Finding and sticking to an exercise routine you enjoy:
find an Exercise Routine

With most things in life, consistency is key; exercising is no different. To live a healthy and fulfilled life, you have to have an exercise routine and be consistent about it. How can you be consistent with an exercise routine? You make sure it is something you enjoy because exercising is hard work, but if you enjoy the exercises you do, you look forward to it and stick to it day by bay and week by week.

  • Say ‘No’ to yourself:
Say NO

You shouldn’t always give in to all your wants and desires, your cravings and longings. The art of discipline goes down to curtailing your aches and putting your foot down no matter how badly your body seems to want it. Your “needs” should be a top priority above your “wants” but sometimes, your body never gets the difference. Taking too much time to get work done?. Say no! Do you just want that extra sugar? Say no! Do you want to sleep in and procrastinate all day? Say No!.

  • Invest in relationships:
Invest in relationships

You’ve probably heard the statement “Your network is your net worth”. That statement isn’t far from the truth because some relationships can elevate you higher up the pyramid of influence and bring to you, on a platter of gold, opportunities, and prospects. So while chasing investments in stocks, real estate, and cryptocurrencies, build towards staying socially connected and investing in relationships with the right people.

  • Practice your hobbies:
Practise your Hobbies

There are certain things that make one happy aside from family or money… For me that thing for me is music, I just want to sing to my contentment and let my body feel the tune and every lyrics.

  • Go ice skating
Go ice skating

We haven’t lived until we do those things that scare us, those things that scare the ‘bejeezus’ out of us. Conquer those fears by doing those things you love seeing but are too scared to try out, go ice skating in a friendly park, make skating buddies and see how the whole experience lights a glow in your heart.

  • Take your family and friends to the theatre:
Movie Theatre

There are fewer things in life more enjoyable than spending quality time with friends and family. One of the biggest fulfilment in life is helping and serving your family and friends. Taking them out to a theatre has helped you do both, you spend time with your loved ones, and enjoy a good movie. 

  • Visit an art museum:
Visit an Art Museum

Take time to enjoy the finer things in life, the art museum doubles as an educational and entertainment venue. You learn about different cultures, artists, art pieces and also feed your eyes and soul with beauty. At times, museums might inspire and be a source of inspiration to you, could be a chance for you to pursue your hidden talent or add a different facet to your personality.

  • Learn to speak a new language:
Learn a new language

Learning to speak and write a new language in adulthood is challenging, while at the same time very exciting. The joy that comes with stringing a few sentences together is indescribable. It also allows you to communicate and understand the indigenous speakers better. Might even open up another career for you. The look of approval when speaking to a local in their language makes this endeavor worthwhile.

  • Learn to meditate:
Learn to Meditate

The beauty of meditation is in its ability to draw back on the fast pace of the world and envelope you in a peaceful, serene, and absorptive environment. Meditation helps restores a sense of calm, promote long-term happiness cum wellbeing, and unleashes the mind’s vast reservoirs of creative potential. Are you looking to strengthening your mind and improving your creative self? Get down and learn to meditate before you turn forty.

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Most people do not care for their health until the doctor’s notice tells them of a frightening terminal illness or impending danger if caution is not taken. Don’t be “Most people”. Be you! The you who loves his/her body. Decide today to cut down on sugar, eat lean and go on a 300 minutes per week exercise challenge. Your body will love you for it and there’s a high chance of you spending less on drugs and treatment plans in the future.

  • Face your fear:
Face your fears

Fear is an intrinsic reaction to events or things that may put us in danger. But sometimes, the brain reacts to everything new and daring as dangerous. If you avoid everything that makes you anxious, changes are that you may never reach your full potentials since your reflex reaction is to hold back. Challenge yourself! Pick up one thing that scares you the most and confronts it, because the key to change is to let go of fear. Practice your hobbies: There are certain things that make one happy aside from family or money… For me that thing for me is music, I just want to sing to my contentment and let my body feel the tune and every lyrics.

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These days time flies quickly like the laser beams. Furthermore, except if you are a keen individual with huge dreams, you will not see until it’s too late.

Simply consider it. How you attempt to achieve a fixed heap of undertakings within 24 hours, then, at that point acknowledge you’re not even partially through when sunset falls. I have experienced such situation on uncountable occasions, and you probably have as well.

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