The Importance Of Having A Contingency Money Plan by josediccus

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hive-167922 · @josediccus · Jul 15 '22

$129.71

The Importance Of Having A Contingency Money Plan


![20220715_051850_0000.png](https://i.imgur.com/6I6Xh5X.png)



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In Nigeria, People tend to blame things like recession or inflation for the dent in their income and savings when they do not even pay attention to their **marginal propensity to save** or **consume.** 

This means that when people have money things appear cheap to them and when they do not, it appears very expensive to them, not knowing or understanding that it's their financial situation that's changed for the better or worse. 



You see when one's financial position changes it creates an illusion of lack of affordability when all they needed was discipline. 

When people have money, they fail to check on their expenditures, they don't deem it necessary to check on their expenditures, forgetting that one must constantly earn above their expenditures to keep living the way they want. 

However, how many people earn the same amount of money or more till they grow old? Nobody. 

This is why people realize how wasteful they've been immediately they can no longer earn the way they do but their expenditures are still constant despite a negative change in their financial situation. **A lot of people do not have a lifestyle**


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### Stability Amidst Financial Chaos

 They do not have financial goals, their financial situation determines their goals, this is why some others find it difficult to maintain a level of stability in their finances even when their income takes a dip. 

This means that we must normalize the act of planning and a way of life despite our financial position because money in itself gives the quality of purchasing power, it's us who gives it value. 

This isn't to say people shouldn't increase or reduce their quality of living when there's money or when there's no money, what I'm saying is that finding a middle ground will make it easier for people to maintain their quality of life when there's a constant check to their excesses. 

There's a feeling of endlessness that comes with abundance, when we allow it to control us, it becomes normal for us to be broke with just a sudden shift in our income. 



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### Reality: The Impact & Preparedness

*"When spending money, we have to understand that the impact of reality on our expenditures is bigger than our sense of preparedness or perfection and this checks our sense of optimism and minimizes it to a certain extent.**

 In other words, many people do not have contingency plans especially when they feel that their initial plans are just too good to fail. For example, a person who sells everything they have just to afford a visa to another country is placing perfection in their plans.

 Let's consider the fact that this person might become established, make money, and don't even need to go back to their country, so if this is possible why isn't it also possible for them to be deported? 

One of the reasons why people go from being poor to being rich in a short period is because they feel their initial plans are too good to fail. 


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### Building "MONEY" Shock Absorbers



Many people are no longer rich like they used to be. Maybe due to an inevitable change in their cash flow. Nevertheless, the reason they're not back to ground zero is because of the contingency plans they've put in place when things were smooth. 

Because of life's unpredictability, we have to put contingency plans in place especially because we cannot control our blind sides, we cannot see the future, and we cannot correctly predict tomorrow by looking at today.

**People are volatile, since we don't see it, it's obvious in our investment choices and the way we react to changes in our financial status.**

 One of the things that prevent us from being caught unawares, is opening ourselves up for accountability, building up a lifestyle that's hardly influenced by a huge change in our income, and have multiple contingency plans. 






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> **Interested in some more of my works?**



<hr>



##### [Keying Into Sophistication & Exposure To Forestall Economic Revolution](https://leofinance.io/@josediccus/keying-into-sophistication-and-exposure-to-forestall-economic-revolution)



##### [Money: The Learning Curve & Translational Process](https://leofinance.io/@josediccus/money-the-learning-curve-and-translational-process)



##### [What Makes A Job Opportunity Lucrative?](https://leofinance.io/@josediccus/what-makes-a-job-opportunity-lucrative)




##### [Shopping Online & The Illusion Of Buying Cheap Things](https://leofinance.io/@josediccus/shopping-online-and-the-illusion-of-buying-cheap-things)



##### [The Humanistic Approach Towards Scarcity & Competition](https://leofinance.io/@josediccus/the-humanistic-approach-towards-scarcity-and-competition)




##### [Spending & Accumulating: The Low & High Point Of The Crypto Seasons.](https://leofinance.io/@josediccus/spending-and-accumulating-the-low-and-high-point-of-the-crypto-seasons)



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![png_20220427_140059_0000.png](https://images.hive.blog/DQmYidsWoaM6bSuMr2JaeQeo4vBnHQgKcyAQKQAQfioXgJj/png_20220427_140059_0000.png)






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#### @Josediccus, your brother-in-pen & heart

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*I'm hoping to reach more people who are broken at heart and spirit, so share on any platform or reblog*

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### <center> [My Twitter handle](https://mobile.twitter.com/PERCIVAL_JOEY)</center>




Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@josediccus/the-importance-of-having-a-contingency-money-plan)

👍 newsflash, ranchorelaxo, trafalgar, leo.voter, haejin, broncnutz, jphamer1, sanjeevm, spectrumecons, daveks, steemik, smasssh, therising, buggedout, muratkbesiroglu, captainhive, dsky, pouchon, ericvancewalton, p-hive, fw206, tobetada, marcusantoniu26, abh12345, fijimermaid, petrvl, maxwellmarcusart, steemflow, bitcoinflood, tookta, chinchilla, softworld, joshman, howzat, solominer, penguinpablo, eddie-earner, almi, ikrahch, joetunex, prydefoltz, soyrosa, steemaction, bitrocker2020, patsitivity, wiseagent, irenicus30, peterale, amitsharma, blewitt, ctptalk, raiseup, dlike, arabisouri, sofs-su, ireenchew, belemo, dianadora, arunava, mafeeva, doitvoluntarily, listnerds, belahejna, megavest, and 401 others
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`author`	josediccus
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properties (23)vote details (467)

voter	rshares	pct
nanzo-scoop	4,773,371,172	50%
mummyimperfect	63,049,552,558	50%
kevinwong	60,350,893,367	7%
ak2020	25,069,877,343	50%
emily-cook	1,688,373,798	50%
ericvancewalton	759,842,600,714	100%
renovatio	27,231,496,908	100%
jphamer1	5,138,058,487,522	100%
rufans	22,817,923,126	50%
gduran	3,247,636,058	100%
daveks	2,245,492,947,777	30%
penguinpablo	242,737,496,184	14%
uwelang	38,098,485,436	11.2%
doitvoluntarily	76,085,947,747	100%
petrvl	405,279,416,160	42%
abh12345	468,588,714,439	15%
funnyman	1,326,627,466	5.6%
t-bot	996,717,873	50%
moretea	1,305,543,426	28%
ahmadmanga	731,634,643	19.59%
mafeeva	76,330,651,546	50%
automaton	21,830,691,237	100%
ranchorelaxo	49,927,479,022,702	100%
pouchon	857,976,737,694	30%
trafalgar	23,429,631,589,295	56%
oluwoleolaide	33,067,393,721	70%
l337m45732	2,519,118,185	5.6%
smasssh	1,962,896,171,631	50%
thelordsfinest	418,081,673	28%
jerge	364,429,939	100%
broncnutz	10,095,073,450,169	100%
world-travel-pro	1,272,655,629	50%
bitrocker2020	158,504,273,422	14%
newsflash	57,391,453,657,750	100%
nuagnorab	15,229,666,927	100%
arunava	77,414,636,521	5%
bitcoinflood	357,932,355,212	15.9%
belahejna	71,238,461,585	42%
alphacore	3,640,127,327	2.82%
krischy	1,944,577,553	100%
spectrumecons	2,908,356,961,239	50%
ew-and-patterns	29,232,006,187	10%
joeyarnoldvn	604,021,482	1.76%
vikbuddy	9,103,986,313	12%
gniksivart	43,142,273,421	20%
paasz	3,779,593,177	100%
mcoinz79	16,245,037,593	100%
runicar	3,767,224,198	50%
dante31	1,577,122,386	14%
haejin	12,975,478,518,764	100%
sanjeevm	3,665,751,911,812	100%
pixelfan	46,794,151,025	5.8%
everrich	1,878,909,020	100%
isabelpena	17,837,904,152	100%
khalil319	523,986,190	14%
steemik	1,993,613,358,802	100%
nicolemoker	3,063,934,952	100%
buggedout	1,612,386,611,149	50%
jeanlucsr	3,205,978,547	5.6%
vimukthi	30,118,445,355	10%
amitsharma	118,594,773,960	100%
horpey	22,407,205,631	30%
tookta	309,877,740,302	100%
pardeepkumar	1,080,734,422	50%
noboxes	1,303,204,146	50%
santigs	35,458,114,773	50%
marketinggeek	753,357,664	28%
bahagia-arbi	1,363,339,712	28%
artonmysleeve	2,360,982,890	15%
marcusantoniu26	472,478,187,215	70%
chinchilla	298,393,552,661	100%
joshman	271,535,888,063	25%
roleerob	63,915,782,777	14%
espoem	15,719,561,037	5%
minloulou	935,983,638	14%
tobetada	513,555,630,926	15%
khaleelkazi	31,623,003,837	28%
vegoutt-travel	42,869,010,293	50%
long888	8,337,801,262	100%
josediccus	0	0%
petrolinivideo	7,478,897,988	75%
joetunex	184,441,704,610	50%
arabisouri	98,422,314,782	100%
noble-noah	23,831,941,607	100%
steemflow	359,324,226,913	100%
senorcoconut	2,980,429,640	7%
irynochka	3,321,245,345	100%
vintherinvest	26,572,983,671	14%
ocupation	4,641,878,634	50%
joannewong	1,094,966,435	14%
nathen007	15,541,533,692	100%
yousafharoonkhan	33,099,290,571	17%
andyblack	4,084,824,629	50%
enjoyinglife	20,934,951,571	50%
vempromundo	13,682,027,032	100%
wiseagent	134,060,640,438	12.5%
cryptonized	20,675,661,369	14%
fourfourfun	778,723,384	2.8%
dudeontheweb	2,410,628,158	4.8%
tryskele	753,613,679	3%
belemo	83,998,238,995	100%
ahmedsy	28,107,031,261	100%
purefood	2,784,976,175	28%
soyrosa	173,794,185,755	50%
portugalcoin	12,945,801,430	15%
ikrahch	188,274,614,481	50%
philnewton	646,283,310	7.5%
k-banti	5,692,590,523	100%
shaidon	5,630,835,657	8%
piotr42	611,641,326	7%
elektr1ker	1,113,716,971	25%
lisfabian	30,269,995,356	50%
mindtrap	737,834,305	50%
technologix	59,815,528,581	100%
almi	211,276,898,350	50%
danielpy	0	0%
uyobong	32,792,531,340	50%
muratkbesiroglu	1,389,414,168,533	51%
cryptoinvestsvk	42,459,390,691	100%
manniman	62,646,208,622	11%
racibo	1,185,084,499	19%
obsesija	6,362,785,966	14%
prydefoltz	181,406,514,493	44%
blainjones	40,110,883,365	30%
gadrian	46,985,788,321	11.2%
silwanyx	1,893,292,447	28%
therising	1,709,454,700,162	100%
ross92	408,252,562	14%
rollandthomas	2,427,549,031	2%
getron	1,086,616,640	28%
break-out-trader	19,737,976,541	28%
solominer	254,143,279,460	4%
sbi4	37,286,197,901	3.64%
olivia08	30,218,811,545	100%
fw206	580,261,067,986	13.3%
zaxan	1,112,070,596	14%
learaquel	6,098,848,502	100%
davidesimoncini	4,397,014,667	15.5%
steemxp	1,645,479,012	14%
ronbong	2,142,052,940	100%
kstop1	29,267,057,419	100%
simplegame	46,033,800,534	100%
dianadora	82,570,334,249	100%
blewitt	114,316,466,084	48%
shortsegments	589,665,440	1.4%
nazomimatute1998	4,192,018,141	100%
pardinus	20,268,603,176	10%
ireenchew	88,418,016,695	19.59%
raiseup	109,070,473,439	28%
goingbonkers	33,865,586,307	50%
dlike	98,980,246,093	28%
triptolemus	503,087,636	28%
steemaction	159,345,322,278	28%
fijimermaid	459,396,578,659	100%
dosh	852,337,062	8%
piensocrates	3,072,901,577	100%
cosmiclemonade	601,731,352	100%
marvinix	1,650,478,011	30%
sanjeev021	8,883,214,509	4%
nonsowrites	5,064,065,464	50%
marianaemilia	58,845,083,235	8%
hibbi	967,804,221	14%
misterengagement	1,053,070,769	13.5%
maajaanaa	2,309,705,376	42%
jacuzzi	1,534,556,330	1.4%
ragnarhewins90	512,195,801	10%
smonkstop1	3,193,827,763	100%
scoopstakes	14,283,642,008	50%
nanzo-snaps	9,464,146,448	50%
creacioneslelys	44,811,230,226	100%
hungrybear	568,982,323	14%
thelogicaldude	15,075,331,464	14%
denizcakmak	507,132,328	50%
marymi	3,496,320,551	100%
edian	4,682,626,116	28%
photographercr	24,228,839,052	11.2%
megavest	70,387,272,487	28%
charcoalbuffet	26,144,298,506	100%
shauner	6,226,870,810	14%
travelwritemoney	11,557,796,096	28%
maxwellmarcusart	373,376,744,009	43%
teamashen	3,259,143,050	4.8%
edipascal	1,495,832,454	39.5%
leo.voter	22,387,129,702,344	28%
leo.bank	745,305,111	28%
bearjohn	1,540,405,814	75%
mktmaker	693,328,510	72.75%
learn.leo	602,382,658	28%
babytarazkp	4,390,495,001	40%
poam	624,415,326	27.72%
agro-dron	2,771,732,767	28%
eloi	502,897,218	27.72%
refinement	552,011,077	28%
whangster79	67,769,468,272	4%
autowin	539,257,800	28%
meosleos	533,365,222	27.72%
sacrosanct	20,918,635,745	50%
terminado	10,964,487,367	25%
gloriaolar	549,192,728	4.5%
onestop	4,707,372,477	14%
bilpcoinbpc	576,951,309	5%
catanknight	897,889,475	100%
peterale	125,481,947,486	30%
leofinance	51,444,947,504	28%
tht	2,147,380,147	100%
softworld	284,930,274,549	52%
captainhive	1,103,134,616,900	50%
posterman	0	100%
rmsadkri	13,794,822,435	20%
beehivetrader	1,262,366,127	14%
moneyheist-sl	689,457,831	100%
bimpcy	9,785,474,081	20%
olaunlimited	46,832,107,984	25.2%
w-t-fi	1,509,072,206	100%
recoveryinc	1,272,744,166	2%
dragokazo	5,153,742,252	19%
engioi	7,663,481,872	100%
adedayoolumide	5,927,419,058	100%
eddie-earner	231,378,383,938	14%
katleya	17,194,670,782	100%
nolyoi	18,355,874,891	50%
wrapped-leo	2,868,417,110	28%
borniet	2,401,374,514	50%
elricmoonslayer	2,383,678,761	50%
blezyn	10,236,350,220	100%
ztfo	587,593,690	26.6%
jobar	580,736,714	28%
kaef	521,691,027	26.6%
rarereden	3,545,328,941	100%
gcomplex	500,490,798	28%
integrated	560,036,506	28%
hanez	634,992,071	28%
minebb	527,763,021	27.16%
plasticsoul	541,285,348	28%
scrpt	520,190,282	28%
druma	544,678,023	28%
schindmaehre	193,552,003	100%
ropehold	499,733,636	28%
infihedge	584,408,419	28%
tokenx	497,504,082	28%
strk	498,481,216	28%
stackfi	565,813,986	28%
ctptalk	112,197,155,286	100%
hemerit	518,810,859	28%
starle	501,943,150	28%
jfang003	29,967,634,084	20%
psgood	523,068,336	28%
muski	501,385,274	28%
netaterra.leo	820,856,924	25.2%
twrk	519,457,466	28%
eth2	544,838,819	28%
tslap	533,884,591	28%
hodol	529,179,892	28%
jmsansan.leo	18,055,362,990	14%
theco	533,130,996	28%
muskland	534,181,233	28%
hochismin	523,940,292	28%
finleo	507,406,559	28%
givup	532,810,959	28%
etheru	539,666,485	28%
mccoy02	44,702,935,076	100%
leo.tokens	2,601,583,497	28%
bynd	540,217,209	28%
scoutroc	33,212,145,462	100%
elong	532,146,564	28%
logroll	550,317,181	28%
outperform	536,345,624	28%
perfi	528,932,690	28%
foreo	538,894,181	28%
bruton	552,291,497	28%
mejiasclaudia	808,224,214	4%
capsule	536,898,198	28%
sn8	537,581,810	28%
shamzy	2,110,253,856	50%
fundament	537,469,328	28%
v10r8	521,382,889	28%
index-a	526,961,772	28%
kropak	518,629,816	28%
bitbi	529,993,915	28%
cielitorojo	19,056,243,159	14%
feelfor	527,898,850	28%
mercador	520,652,492	28%
companyx	540,641,787	28%
hallogen	527,726,993	28%
hodldays	522,422,457	27.72%
mandawanda	538,733,829	28%
carlosro	1,218,472,841	8%
nineclaws	53,716,077,236	100%
brucolac	631,040,983	4.8%
portfoliomargin	540,308,001	28%
belemo.leo	2,593,369,761	100%
kenechukwu97	11,072,919,144	75%
fremo	521,194,277	28%
samrisso	1,373,203,594	2%
deliveries	525,399,417	27.16%
jackedup	513,283,065	27.16%
tierbtc	510,801,259	27.44%
compoundin	519,472,052	27.72%
frankjr	527,145,384	28%
sofs-su	95,766,237,713	77.41%
waiting8	519,813,561	27.16%
starked	515,639,480	28%
mk2	507,258,847	26.6%
kriszrokk	8,453,904,382	100%
ghostdrive	519,513,297	27.16%
thatbull	538,213,368	28%
heimdalla	528,482,543	27.44%
pitchleo	526,396,272	28%
hollywoodz	528,530,042	28%
zbh1	531,165,338	27.72%
blockhire	529,449,646	28%
f82	537,505,751	28%
natureway	536,896,869	28%
knowhere	529,203,254	28%
gamor	525,405,568	28%
dvision	529,439,664	28%
quantumant	536,680,385	28%
cvlwar	530,131,650	28%
sanctum	536,571,507	28%
challa	516,832,229	28%
apeople	534,600,787	28%
quantumblank	547,027,203	28%
endgames	628,480,063	28%
justbuild	535,546,016	28%
realleader	546,794,448	28%
gohodl	536,101,332	28%
leverup	604,201,301	27.16%
justcapital	538,953,285	28%
reflecting	538,513,557	28%
buildhedge	525,022,202	27.72%
elongate	961,564,430	28%
amongus	1,070,325,575	28%
seevision	527,379,933	27.44%
zdigital222	1,421,071,478	100%
yellowstone	539,328,745	28%
runify	546,218,669	28%
luckyali.leo	740,755,970	28%
cybermusk	539,552,247	28%
cornerbreak	539,921,154	28%
findbalance	546,100,308	28%
saylorfy	556,696,428	28%
lasergang	539,830,900	28%
tomtothetom	573,634,272	4%
billionsight	527,778,547	28%
darkelon	539,337,818	28%
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@anonymous02 · Jul 15 '22

$0.02

Usually, people is lack of knowledge when it comes to finance. Lack of financial literacy. That is why people are becoming poor.

We really need to know how to make a budget plan. Know where the money comes in or out. 

Have some !PIZZA

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

You're right, everything you've mentioned is being conscious and disciplined to an extent

Posted using [LeoFinance Mobile](https://leofinance.io)

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@bhoa · Jul 15 '22

$0.03

See ehn... This post hit the nail on the head.

A lot of people don't have an emergency fund.

People just go on and on without thinking of a downfall..

This post just brought to mind one doctor who died after failing an exam to relocate to the UK.

He spent all he had on the exam and after failing, he committed suicide.

Once you don't have an option to fall to, when you fall down and hit the ground, it can be very disastrous

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

I pity the deceased doctor. Going abroad isn't easy. Sure it's promising and exciting. But I'll never sell everything I own you do something as him. How will I begin again? What do I fall back on? Many people underestimate the struggles or the near struggles of starting from ground zero. 

Posted using [LeoFinance Mobile](https://leofinance.io)

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@bhoa · Jul 15 '22

> Many people underestimate the struggles or the near struggles of starting from ground zero.


I know right.. I can't start again..

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1 reply

@dwayne16 · Jul 15 '22

$0.02

RE: The Importance Of Having A Contingency Money Plan

We must alway prepare for what is coming because things change and that's why it is important to invest. Change is constant 

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@dwayne16/re-josediccus-4dsu32)

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

To invest, we'd need money. Most of what makes it difficult to invest is not having proper direction for money. Thanks for coming through. 

Posted using [LeoFinance Mobile](https://leofinance.io)

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@heskay · Jul 15 '22

You are right bro, just because we can't see the future, sometimes when you have something with you, you don't know the values because you believe they way it comes is the way it will keep coming but money is not like that all the time...

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

Yeah, this is an assertion you're right about.
People are volatile, since we don't see it, it's obvious in our investment choices and the way we react to changes in our financial status.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@josediccus/re-heskay-3jb56p)

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@heskay · Jul 15 '22

That's is why some can't cope with been broke because they don not plan well for the farming period

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@hivebuzz · Jul 16 '22

Congratulations @josediccus! Your post has been a top performer on the Hive blockchain and you have been rewarded with the following badge:

<table><tr><td><img src="https://images.hive.blog/60x60/http://hivebuzz.me/badges/toppayoutday.png"></td><td>Post with the highest payout of the day.</td></tr>
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@india-leo · Jul 15 '22

Indiaunited Curation 1657888502504

This post has been manually curated by @bhattg from Indiaunited community. Join us on our [Discord Server](https://discord.gg/bGmS2tE). 

Do you know that you can earn a passive income by delegating your Leo power to @india-leo account? We share 100 % of the curation rewards with the delegators. 

<sub>**Please contribute to the community by upvoting this comment and posts made by @indiaunited.**</sub>

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@iykewatch12 · Jul 15 '22

Not having contingency money or saving money for the rainy days is the major reason a lot of people go to borrow and pay heavy interest . Most money hardships wouldn't be if people earn money, spend money, invest money reinvest money. This article has a simple but a must acknowledged fact when it comes to financial discipline. Thank you for being impactful.

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@jfang003 · Jul 15 '22

$0.03

RE: The Importance Of Having A Contingency Money Plan

Being prepared is always a good thing and I suggest people build an emergency fund. By doing so, at least you won't be in a rush to sell off assets to pay off anything that may come up.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@jfang003/re-josediccus-68dylc)

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

Well, selling of assets to take care of an emergency is absolutely crazy and this is because we cannot ascertain how much we'd need to sell off just to get it done. It's pretty crazy. 

Posted using [LeoFinance Mobile](https://leofinance.io)

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@joetunex · Jul 15 '22

$0.02

RE: The Importance Of Having A Contingency Money Plan

I was actually things about the selling all one has for migrating to another country few minutes ago, and  the thought was I have such opportunity but I just don't see liquidating my  cryptos for such move. 

It takes a lot to be financially discipline, spending wisely while also maintaining consistent growth. This is something none is perfect at but with consistency and discipline we can only get better.

Posted using [LeoFinance Mobile](https://leofinance.io)

👍 josediccus

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@bhoa · Jul 15 '22

Liquidating all that one has can never be a good idea.

Having an emergency fund is a great measure to prevent falling to zero

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@joetunex · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

That zero ground after one have been making good progress should avoided at all cost. 

Posted using [LeoFinance Mobile](https://leofinance.io)

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4 replies

@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

I know of people who would do such. Liquidate everything they have in a bid to probably secure a life in another country. I think the uncertainty to this plan is something that one might regret. While there's a possibility one might not. I don't think I'll take those chances.

Posted using [LeoFinance Mobile](https://leofinance.io)

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@mykos · Jul 15 '22

RE: The Importance Of Having A Contingency Money Plan

No in Nigeria those people been exploited and ripped off for a long time by their governments and other countries. The Nigerians deserve it until they join projects like Bitcoin MYK that offer basic income only then do they have a chance of being free. No this is political it's no pull yourself up by your bootstraps like d'abo. You Nigerians going to live or die based on if you join cross border projects to fight all governments with bad policies and corruption and if you don't join you will suffer as a result of it.. I'm ready to lead the Nigerians to freedom.. i'm a better man than those you all serve.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@mykos/re-josediccus-3k1qwa)

👎 buildawhale, themarkymark, enforcer48, melbourneswest, techslut, steemflagrewards, kiemis, lacking, steemseph, memehub, chekohler, amaillo, kingsofa

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@nill2021 · Jul 15 '22

$0.03

Certainly when you have money everything looks cheap and when you don't have it is the opposite what is certain is that you have to organize yourself to avoid those moments but for me the economy of a country influences a lot for example in my country Venezuela the costs grow daily to maintain the balance costs a little since the prices vary twice a day but your publication leads to the awareness blessings

👍 josediccus

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

Exactly, one must understand the psychology of money because a little money lesson can save one from implosion or have a negative effect. Sometimes our ability to manage is the value of the money we own as money in itself doesn't hold value beyond purchasing power. We give it the value it's got. 

Posted using [LeoFinance Mobile](https://leofinance.io)

👍 nill2021

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@olujay · Jul 15 '22

If one wishes to maintain their level of financial comfort, contingency plans are no longer an option, but rather a necessity.It is those that consider making plans for uncertainties that are shaken by a little wind and fall to the ground.

I am very much of a person that never really plans for contingencies, but now I am learning to do so as bigger blows have come my way. And there really isn't much that can make one frustrated when things do not go as planned and one is helpless to hold up the situation.

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@patsitivity · Jul 15 '22 (edited)

$0.09

I was just nodding the moment I started reading this article until the very end @josediccus. Why did I just find out that such an awesome and inspiring Personal Finance guru is here on Hive? I must've missed a lot. But not gonna miss any future posts of yours.

>You see when one's financial position changes it creates an illusion of lack of affordability when all they needed was discipline.

This and the other way around hit the core of managing one's personal finances. For me, it doesn't matter how big or small your income may be, if you don't have the *skill*, *knowledge* and *discipline* or should I say the combination of the three, you'll always find yourself in the bottom of the pit wondering want went wrong along the way. I'm in agreement with *finding the middle ground*. When I started working, I was paid less than half of what I'm earning now but it didn't stop me from managing my finances well. The same skill set was useful when I had more money to spend but mostly to save and invest. 

This has been a refreshing read, not exaggerating anything! And my eyes are sparkling in excitement to read more. I'm also thinking of reviving my Financial Fridays which I started last year. You inspired me. 😊

👍 josediccus, starstrings01

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@josediccus · Jul 15 '22

RE: RE: The Importance Of Having A Contingency Money Plan

@patsitivity, thanks a million. Your username sounds like positivity" hahaha. Well thanks for finding my content good enough. In reality, it's difficult to find balance. Life itself brings out the best and worst in people and this is why money isn't relevant, our financial discipline is what's relevant. 
I can relate with when you started working. It was the same for me as well. Sometimes being paid poorly makes us creative with spending and this is why every financial situation we find ourselves is a lesson we mustn't ignore. 

Posted using [LeoFinance Mobile](https://leofinance.io)

👍 patsitivity

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@patsitivity · Jul 15 '22

You got it right, @josediccus! My username was derived from my name and *positivity*. 😅

>our financial discipline is what's relevant. 

This is on point! Now, I'm a fan! Hoping I could learn more from you through your articles. 😁

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3 replies

@pizzabot · Jul 15 '22

<center>PIZZA! 


PIZZA Holders sent <strong>$PIZZA</strong> tips in this post's comments:
@anonymous02<sub>(2/5)</sub> tipped @josediccus (x1)


<sub>Learn more at https://hive.pizza.</sub></center>

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@starstrings01 · Jul 17 '22

$0.03

Brother, you are damn right! When one is having a high cash flow, he may feel at the top of the world and then increase his expenditure without having a balance to it. So if there is a shift in his cash inflow, he would feel the real effect and then have the mindset of being broke. When all he had needed to do was to manage his income to prepare for the future.

👍 josediccus

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josediccus	0 B		44,255,588,813	4%

@josediccus · Jul 18 '22

It's true, it's important for us to be conscious and aware of our expenditures because whenever a shift in our cash flow happens, it's important to notice and adjust properly so that we can maintain a balance. Being broke isn't easy and that's why we should try to prevent it.

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