Liabilities into assets.

In the holiday seasons, there is one thing we need to know that January will always be January whether we are broke or not. We must assume the rightful powers and authorities over our lives. And one to do in conjunction with our creator is we better our liabilities into assets. Liabilities are things that take money from our pockets while assets put money in our pocket (Robert Kiyosaki's simple definition). There are two kinds of liabilities namely:

1. External liabilities are the Financial ones that take money out of your pocket. These are loans and debts, mortgage, car loan, advances, credit cards, payday loans ( one month repayable loans)

2. Internal liabilities are the mental one, the ones that are unseen or unsubstantiated as a liability. These are the negative emotions, habits and attitudes. These are anger, hostility, hatred, competition, fear, anxiety, worry, envy, jealousy, guilt, contempt, greed and dishonesty and other survival emotions, habits and attitudes that steal away your resourcefulness to your ideal world - your future.

The law of correspondence states that as within so without, as above so below. This refers to our outer world is nothing more than a reflection of our inner world. Our inner world is our mind, our heart, our spirit and our soul. What foundation have we laid on ourselves to become who we are today and that is why we are referring to them as internal liabilities.

A good man brings good things out of the good stored up in him, and an evil man brings evil things out of the evil stored up in him. (Matthew 12:37) The Bible points the law of correspondence what is within you is revealed from your thoughts, your speech, your actions and motives.

Our mind, heart, spirit and soul brings out our personality and this is where our personality becomes a liability or an asset. Yet again, I am driven to define two words again but I will do it in another way. Assets are things that increase in value over time while liabilities are things that diminish in value. So our personality being the total sum of thoughts, habits and emotions, it is either invaluable personality or worth-less personality. In other words, our personality is either pleasant or unpleasant.

During our holiday joy of giving gifts to ourselves and everybody, we showed pleasantries to everyone which is quite commendable to do so in every respect but it must done under restraint. It is this sharp balance of giving and saving which brings us to the habit of frugality. As we enjoy our December holidays, we must be mindful about January. Create space for yourself and your family to get you through January - make sure you have your shopping that will get you through to the end of January.

In Kenya, January has a nickname called Njaanuary which comes from the Swahili word " Njaa" which means hunger. The word is merged with January. January is usually hotest month of the year and there is no rain for that ideal traditional farming. It is the driest month of the year in Africa -a famine month you can say. But the circumstances or conditions of this month is by no means to make us think that it is a tough month, no we are tougher than this month. Transmute your liability into an asset -your asset and stop blaming Njaanuary for your December spending.

How to transmute your liabilities to your assets

1. Change your personality from a liability to an asset - Get off the horse ride of the victim hood and ride the horse of victor. As I said earlier, get rid of negative emotions and habits and replace them with positive thoughts, emotions and habits. Practise virtues, good thoughts and emotions and build them up into habits that will attract the things that you want in your life. Develop a pleasant personality is an asset that will appreciate in value  and income every time it's in use. 

2. Stop blaming January for your December spending -You are in control over life and it is within your will to enjoy at the right place and right time. Do not be a victim of circumstance, accept the failure and learn from it and plan ahead. The next time January knocks your door, you will be ready waiting for him or her. Ha ha. We cannot control the nature of January but we have full control of our thoughts, ideas and perceptive about how to handle January.

3. Establish your laws, your values and your principles - Have your own values, laws and principles to govern over your thoughts, your emotions, your habits and your actions to get the right results. January may be the worst enemy but do not forget that the end of January does not mean your rainy months of blessings are on the way and you have not planted anything. Plant those values, those laws and principles into your mind, heart and soul to furnish your future with a year of 12 December holidays instead of 12 January famine months and say 2019 was a bad year. No, it is your fault, there is no such thing as a bad year, you were lazy to think. Get up and do something for you, you are not lazy. You have energy. You have life and full of it with talents and abilities unknown to you.

4. Financial skills are learnable - Be student, don't be follower. Let the past be your school and make the promise your future dear, the price will be easy to pay (Jim Rohn's qualifying words). What am I talking about. I am talking about you being financially independent. What does it take for you to be financially independent? Who should I talk to about this matter? When you begin to ask the right questions, you are on your way to a beautiful place where everything of beauty grows. Learn how to be financially independent is a wonderful gift you can give yourself and everybody who comes into contact with you.

5. Show gratitude -It is in the giving where receiving occurs. Giving a helping hand to those people who face a year of 12 January months. Share a part of yourself with others in dire need. This act of generosity goes up as thanksgiving and comes down as things falling into place -that is the greed, jealousy and envy together with negative mental enemies of mind will be vacated out of place. For negative thoughts and emotions cannot exist in a positive mind and vice versa. Therefore the joy of giving is complete and you will be happy to see that you have added value to that person in need. A good deed will never go unrewarded, sooner or later, the law of increasing return will work to multiply your service to rewards. 

He replied, “Because you have so little faith. Truly I tell you, if you have faith as small as a mustard seed, you can say to this mountain, ‘Move from here to there,’ and it will move. Nothing will be impossible for you.” Matthew 17:20