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Life Bits

Personal Finance with Raphael: 5 ways to control Emotional Spending

By | Ask Shade, Investment 101, Life Bits | No Comments

Emotional spending is an act of buying something for yourself that you don’t need perhaps don’t even really want, as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or even happy. For instance, when you received a raise or on your birthday. It’s entirely not a bad habit if you can afford to pay for those items seamlessly and have a robust financial plan to cover your goals without having to borrow or struggle to create these plans. Emotional spending could be a destructive shopping spree to compulsive shoppers and could cause continuous damage to one’s wallet if…

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3 ways to achieve more before the year ends

By | Ask Shade, Life Bits | No Comments

The past few months in 2020 have sped by almost in a blur leaving a lot undone and times uncertain all thanks to the coronavirus pandemic. But the remaining three months don’t have to be that way. You can start now to revisit the goals you’ve probably set earlier in the year that you’re yet to pursue and start taking meaningful steps towards achieving them. Here’s a quick guide to help you. Create a plan of action A plan is like a road map that shows you how to get from point A to point B. Whatever goal you have…

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3 Smart Ways to Give Your Child/Ward The Best Education

By | Ask Shade, Life Bits | No Comments

Imagine the smile on the face of your child, looking directly at you, and wearing that beautiful school graduation gown- That look is priceless! One of the ultimate goals of most parents is to give their children/wards the best of education. The best education to an extent adds the icing on the cake to the parenting career.  Sadly factors such as rising school fees, inflation, and general economic situation of a country always pose as obstacles to this great plan that parents have for their children. Despite these factors, it is still possible to give your children the best education…

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The thing with this weather

By | Ask Shade, Life Bits | No Comments

The gods must be angry… or maybe the one in charge of rains must be. Otherwise I fail to understand how the sky has refused to exercise restraint in the amount of downpour that has turned some parts of Lagos into a mini ocean. As I wait in the frustrating Lagos traffic which is usually worse when it rains, I watched the torrents hit the ground and create a splash. First, it started with drops barely wetting the ground, and then the thunder roared and lightening flashed before the rain poured uncontrollably causing streams of water to emerge. With nowhere…

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Choose your story

By | Ask Shade, Life Bits | No Comments

Choose your story – Realising Ambitions Press enter to begin your search The year 2020 will forever be in everyone’s memory as the year that the corona virus pandemic caused a shift in paradigms and re-defined the norm as we know it. It can also be remembered as the year you decided to look the storm in the eye and reach for your biggest goals. It comes down to the story you wish to tell of 2020. While tales of woe seem to be predictable for this year, how about standing out with telling tales of taking strides towards achieving…

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