Let’s talk about personal financial hygiene

decision making.

Diversify y o u r investments, not all eggs have to in one basket. Where it happens that you have one basket please watch that basket closely every day. Be mindful of spreading your investments thin it might not give you the returns you will be seeking for.

Crystallise your thoughts As a man thinketh in his heart, so he shall he be. Let all good thoughts enter your mind. You can’t prevent evil thoughts from crossing your mind but whether they linger on your mind is your call to make.

Remember the idle mind is the workshop of the devil, so are evil thoughts. Think of insurance. Plan and pursue. Always have a blue print and make vigorous follow ups on that blue print.

Celebrate yourself Critique yourself always and be happy with who you are, what you do and you can do anything you want. Remember action speaks louder than words. Less talk and be a person of action, action and action.

Speak less, listen more. Be fast in listening but slow in speaking as the Bible says. Listen more than twice you speak.

Only when you listen can you become what you want. Have needs not wants. If you don’t know the difference then my friend you are in big trouble. I won’t lie to you.

Figures never lie, work smarter Know your figures. Income and expenses will save you a headache. Work smarter. Forget about working harder do it smarter and achieve your financial objectives through smart ways of doing things.

Live a little. Explore the fun side of life. All work and no play made Jack a very dull boy.

Be realistic, read more Lies will not take you anywhere especially if you are lying to yourself. Always enrich your mind. Feed the mind through resourceful literature. Garbage in garbage out.

Remember you are on your own and the world owes you nothing at all. You have a greater purpose on earth that just being typical, obvious and looking like everyone.

You have to stand out and shine as an individual and all you can do it better because you can only play you better than anyone else.

Like I have said it before whatever you do, do it well to the best of your ability but above all do it as if you are doing it for TV.

IF YOU LIVE IN BULAWAYO PLEASE CONSERVE WATER

IF YOU LIVE IN ZIMBABWE PLEASE USE ELECTRICITY SPARINGLY SWITCH OFF SWITCHES (SOS)

IF YOU LIVE ON PLANET EARTH PLEASE PRESERVE THE ENVIRONMENT

Morris Mpala (Mr Brown) is the managing director of MoB Capital Limited, a Bulawayo-headquartered micro-finance institution with footprint across the country.