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The State of Credit Capture – Secure in Credit Comfort

The system was designed in such way that we no longer see buying things cash as wise. There’s a credit culture it has created. A culture of having without owning. A culture of borrowing without wanting to borrow. We’re locked up for life. If you think about it, you’ll realise how inhuman this system is.

Look around you. If walls could speak they’ll tell you how the system destroyed family (especially the black family). The family unit has been crushed because the system demands blood, sweat and tears. It needs us to work for credit. Since when was it correct for us to get excited when we qualify for credit? What went wrong?

The system mocks and discards those who can afford to purchase without using credit. It romentise credit and protects those who qualify until they are unable to feed it.

It almost seems and feels weird for one not to be in debt. We have normalised what is abnormal. We aren’t afraid to swim in a pool of debt. Sadly, our wealth creation is in the intensive care unit (ICU) surviving on oxygen drips yet we preach “economic freedom in our lifetime.” We March to banks on Monday for the Apartheid money “they owe our government” and then run to them to get credit on Tuesday morning. We’re trapped in the system.

“Come on in and get a discount when you join us.” – the famous line said by those who are also trapped in the system. The most disturbing reality is that we are beginning to believe in this fable. It’s a hoax! It’s a trap. It’s all lies. Oh, I forgot that we know all that. We know it all. We know that we are captured and “mara re tla reng.”

Invest in yourself

If you were given the opportunity to ask God for anything, what would be your first wish? Would you ask for wealth, money or fame? Don’t you just wish you were treated like a king or queen? You wake up to enjoy your wealth and not work for anything. That is what most of us dream of. How are you investing in yourself?

“God said to Solomon, ‘Because your greatest desire is to help your people, and you did not ask for wealth, riches, fame, or even the death of your enemies or a long life, but rather you asked for wisdom and knowledge to properly govern my people.” (2 Chronicles 1:11 NLT)

One of the most interesting passages of scripture in the bible is that of King Solomon who was a rich king with many wives and concubines. He literally had everything many of us wish we had. Being a king in Israel mean that he had wealth but to our amazement this well-spoken king, out of all the things in the world, he only asked God for wisdom.

“Wisdom is the principal thing; therefore get wisdom: and with all thy getting get understanding.” – (Proverbs 4:7)

What are you doing to invest in yourself? What are daily things are you doing that are promoting your gifts, skills and talents? How many workshops are you attending? How many seminars in-line with your vision have you attended thus far? How many books are you reading about the things you are passionate about? How many times a day do you think about the things that motivate or inspire you to become better?

If you value yourself, you will invest in yourself. You will be worth a great deal throughout your lifetime, both to yourself and to your community. People will identify with your success when you have invested in yourself. People are more drawn to your success and not your ideas.

What you know today is important, but if you don’t improve it, it will become irrelevant in the future. To invest in yourself, you need to give more time to yourself than giving it to other people – especially those who do not value your time. Do not spend your precious time thinking and doing things that do not add value but instead subtract value in your life.

Extract: Beyond Inspiration (Get yourself a copy on books@aym.org.za)