Hi, I am Janet!
I created Jaawpreneur out
of my need for an avenue to share my experience, ideas and opinions as relating
to personal finance and lifestyle in general, with the intention to provide
useful information that could all at once educate, inform and encourage readers.
I still work a nine to
five (or in my location, an eight to five …lol) job. I am a beauty and D.I.Y.
enthusiast (throw in some fashion to the mix) and now all for everything
personal finance. I am still figuring it out but I am strongly convinced that
there is so much more to life than living paycheck to paycheck, spending on a
whim, paying bills while waiting for retirement to hit (don’t get me wrong,
retirement is attractive when you are well prepared for it).
I desire to live life
like no one else now and later and this I know I can achieve if I pay closer
attention to my lifestyle at present. I am on a journey to completely ditch
debt and build wealth by adapting to living life with a blueprint. This way I can
finally do minimum work, live more, spend special time with loved ones, focus
on my passions while living the dream!
Besides this blog, I have
a You Tube Channel and a Podcast Channel through which I can
demonstrate and vocalize my ideas, experience and opinions. Subscribe to my YouTube and Podcast Channels for new videos and audios as they are uploaded.
Most people handle debt
as a normal part of life. In fact, there are those who do not believe that it is
possible to live life without a single debt to their names.
How it all began….
I lived most part of my
adult life till recently in debts, year in and year out. I was barely making it
through each month on my good income (by my country’s standard). It all came to
a climax when out of the blues I found myself without a job and no savings;
people, not a kobo to my name! Folks would ask me then if I had not kept some
money aside for such rainy days and that broke my heart real bad.
Being out of a job, I had
ample time to ponder on and evaluate my life’s progress and I knew I could
never score myself anywhere close to average due to my own fault. I mean, I had
jobs that many still prayed and hoped upon, yet all I did was live a lavish
lifestyle. I splurged mindlessly on trendy shoes, bags, clothes and what not. In
case you do not know, I used to be a shoe and clothes freak. I also got gadgets
for my mini kitchen, a lot of which I have still not unboxed or used to date.
They are still nicely packed in their boxes just the way they were delivered to
me. I had an uncured spending bug of some sort I believe. Now there is nothing
wrong to have good things of course but only
if you can afford them! This means paying cash for them and also making
double sure that they qualify as needs and not just wants.
I
began to research to find stories of people who had similar situations as mine
so that I could learn a thing or two from them. I was that determined. This was
how I got exposed to the world of personal finance …. you know living on a
budget and all the works. This was how I also stumbled upon and got hooked on Dave
Ramsey and Dave Ramsey personalities (you will find that I rant about him/them
a great deal) and it was quite timely I tell you.
So, I
decided to take back my like from the hands of creditors. I discovered so many
ways were possible to live frugally so that I could someday live like no one
else. My mindset was forever changed and I was fired up to do things
differently and intentionally too. Not just with my finances but with my life
altogether. They are all important, right?
When
I started and began noticing changes for good, I got really excited and would
speak to anyone who cared to listen that it really did work to live on a plan,
financially and in other areas of your life besides your nine to five work plan
which by the way, you have no option but to have and follow. Funny how I worked
a plan on my job but not in my personal life. Go figure.
Now
this blog is basically to document all of that and to share my ideas and
opinions (as I said earlier) while adding a topping of beauty, D.I.Y.s and the occasional
fashion and others. If my story relates to you in some way or the other, or you
think you need help with being debt free and doing a total makeover, I
encourage you to follow along, start your own determined journey and tell it to
your friends, family, your colleagues at work and even your acquaintances. Try
too to look for an accountability partner or two. I chose to use this blog and the
channels mostly because I realize that it would make me really want to walk the
talk and not just talk the talk!
If
you desire an interactive platform where you can share with and learn from
others you can join my community, JaawpreneurSocial on my blog or my face book
group also JaawpreneurSocial. You are welcome to drop your comment(s) on either platform.
Feel free to contact me if you have any questions or you just feel the need to vent about your
situation and/or experience at jaawpreneur@gmail.com
Stay in touch!
Janet