John had not paid rent for months and the landlord threatened to auction his belongings. Mercifully, relatives chipped in saving him from the auctioneer’s hammer. Looking back, he now thinks the situation would have been avoided had he chosen to live within his means.
To match his monthly income, he had a change of lifestyle. Rented an expensive apartment, drove a good car and could shop anything he pleases. He was employed in a factory, got all the respect he wanted from his peers and relatives. I mean life is good! He could sleep well, eat good food and wore good cloths.
John is a reflection of many young and some old people today. All we do as young people especially is investing in the toilet and peer pressure. By investing in the toilet I mean, eating expensive foods. Eating is not bad but going to Villa Rosa and the family is outrageous especially if your salary is below six figures or you are living in a rental house. After Villa Rosa, you will invest in that toilet that doesn’t even belong to you.
I am not being a miser but this is what is happening. You take a loan to buy an expensive car which am sure is not a basic need. After paying off the seller, you have to see an insurance company, then the petrol station and often the city askaris for parking fees and lastly a mechanic for servicing. From the above, you haven’t paid house rent, forgotten, that is not your house! There are electricity, water and now Tv subscription to pay. In all this you haven’t eaten nor dressed up. At the end of it all what is there to save? You still have to service your loan. And I almost forgot, you need to go for vacations outside the country!
In that job you are an EMPLOYEE. If you are in the government at least after six months or so, you will be permanent and pensionable. For the employee in someone else’s business, making money for them, you can lose your job at any time. But you might think of suing your boss for summary dismissal but where will you get the money to hire that advocate and worse still who will employ you thereafter (one who will sue you)?
After the job is gone, nightmares knock. The landlord is in business and at the end of the day your relationship with him/her is money. Since there is no money for you to give, the red devil will show up and cover his/her beautiful simile (the smile appears when she/he receives your money). Where are your friends you’ve been trying to live up to their standard? That car, where will you park it? The city askaris will not let you park without a fee. So where are you gonna park? That leather set of chairs, a 22 inch Tv, a mega Samsung fridge, that ksh. 150,000 king size bed, that bar and the rest, where are you gonna put them? The expensive (tasteless) food is invested in the toilet which belongs to the landlord and you won’t claim your position of the investment.
Before you get another job, what’s your fate? Under the bridge or your parent’s house? Where?
Don’t get it twisted, am not saying you shouldn’t live a comfortable life. All I’m saying is live within your means and aim at having a house of your own. I know with that first job you cannot buy a house or build one, but how about cutting your liabilities and instead save. You don’t have to save ksh. 10,000 and above. The little you can itaziba ufa someday. Be wise.
Don’t hugely invest on the landlord’s bank account and toilet. CHOICES HAVE CONSEQUENCES. DON’T LET IT GET TO YOUR HEAD.