Nothing Is Too Small To Invest

One of the secrets to success is valuing money. If you aim to achieve financial success, then valuing money is essential. Many successful business people out there started with little from humble beginnings; for the majority I have encountered, it was the realization that even the smallest amounts were worth investing that turned things around over time. I used to overlook the coins I received with each transaction until a friend of mine showed me a trick for managing daily coins. Before sharing it, how did you value your coins?

Some of us may perceive them as having little value, but if you store them away, as my friend did, you'll come to realize their usefulness over time. This friend of mine collected coins in a savings box for months, and when he finally opened it, he counted a substantial sum of about $500. This was at the time he really needed money most. It was his usual way of collecting coins and keeping them. In countries like Ghana, where cash instead of card payments are mostly done, it's easy to expect coins from your everyday transactions.

At home, it was usual to see coins lying around, especially those that had little value like the ten pesewas. What meant no value to us was something that someone gathered and was able to amass wealth from. The point is, investment of any kind starts with something. Each one of us has our financial capacity with which we can build something on. Often times it's the value we see in money that changes everything and not the amount per se. If we see an amount as too small to invest, it signifies a lack of readiness for growth. I have always found inspiration in listening to millionaires who discuss their humble beginnings and how, through investment, they expanded their business portfolios from virtually nothing.

An investment mindset will tell you that anything could be invested with no reason to withhold. If we should calculate how much we spend on personal expenses every year, it will surprise you to know they add up to be millions, yet lots of people only look at their meagre income they earn, overlooking their potential growth if they should consider a little savings and investment. Effective saving starts with a clear understanding of your income and expenses. Many individuals struggle to save due to lifestyle inflation; they increase their spending as their income rises or increases. This can create a cycle of chasing an ever-higher standard of living, making it difficult to allocate funds for savings.

Besides social media and societal pressures also contribute to the feeling of needing to maintain a certain lifestyle. Many people who are immersed in the world of social media get entangled by the lifestyles the see others portray there. Comparing oneself to others who portray affluent lives online or in person can lead to unrealistic expectations and dissatisfaction with one's own financial situation. Building a habit of saving and investing requires discipline and planning. While it may seem there is a long way to go with savings, considering investing any amount saved overtime could help us achieve any financial goals leading to the achievement of financial freedom in the long run.

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