September 19, 2020

A lot of Money Resolutions, Any Solutions?

BELGIUM – Time stands still for no one! Was it not just fifteen days ago we said farewell to 2018? With merry cheers heard around the world from New Zealand to Hawaii. Everyone making their resolutions finally known, while counting backwards 10, 9, 8, 7…. 1 Happy New Years’, bellowing out the traditional words; this year is going to be different!

I apologize if this may seem as a confrontational question, I assure you it is not my intention! But how many of your New Year’s resolutions have you already broken?

Thee Resolution? 

I feel there is one resolution people do not readily share… it comes with a silent prayer to “Lady Luck” asking her to be kind before the new year. Many buy old years lottery tickets with the hope to finally quit their jobs, travel the world and be their own “laptop” boss.

Others dream of just spending more time watching their children grow up or taking care of family members that have grown old. Whatever the silent prayer may have been, for most the fairytale ends when the clock strikes the Cinderella hour of Mid-Night.

Let’s be Real…

Now the fanfare has gone and lady luck has left the building, I hope you don’t mind me bringing you back to reality! A Resolution; a firm decision to do or not to do something. Resolutions can work, but only for those who are successful at keeping their focus, plan a strategy and are determined to achieve their goal. Once they make a decision. They do not just leave it to chance, hope and least of all Lady Luck!

Did you know that there are 2,208 Billionaires in the world with a total net worth of $9.1 Trillion; according to the 32nd issue of Forbes Magazine.  Even more interesting, 11 of the named billionaires are people of color, the majority residing in Africa and America. My oh my how trail blazers, such as Madame C. J. Walker, the first ever recognized black woman millionaire, would be proud!

I am sure by now some readers are waiting for a strategy that will eventually bring them closer to making millions. To be honest, what I have to say, is not for those who choose to pout and complain that people with money have all the luck in the world… I’m sure without hard work, most of these “lucky” people would not have gotten anywhere closer to their dreams!

Photo by Michael Walter on Unsplash

Personal Finance is not only for the wealthy!

This article and others to following are for readers who realize that while making resolutions are great, they still have to put in the work, change their mindset and will themselves to take small consistent action, especially when it comes to their Personal Finance. It makes no sense to worry and complain… Can worrying add a single hour to your life?

Question, how do you think those 11 people became billionaires…They;

    • Stopped the excuses
    • Reviewed their life
    • Became knowledgeable about finance
    • Got focused
    • Made clear plans
    • Sought advice
    • Took consistent action
    • Rarely, if ever, considered failure as an option

Now, I am definitely not guaranteeing by the 31st December 2019 you will become the 12th Billionaire to join the elite few. If you are still looking for such a miracle, my advice, say a silent prayer to Lady Luck! But if you are looking to be realistic and want to see you finances improve even by 10% in these 12 months, then keep reading my column in “Her Grit Magazine” as I guide readers through the maze of Personal Finance. Time to “Stop” waking up with empty resolutions!

Photo by Rawpixel on Unsplash

January – The stop making excuses month

How about you putting on The Black Eye Peas hit song, “Let’s get it started”. Are you ready to commit to work on “Your” Personal Finance for the coming 350 days? I am assuming the answer is yes, if you have read this far. More so I believe you are! So 10, 9, 8, 7, 6, 5, 4, 3, 2, 1…… Time to Start:

Exercise 1

Answer these questions:

        • What is your main Personal Finance goal?
        • What have you done with the money? (Save, Invest, Pay off Bills…etc)
        • Do you still have this amount? Y/N
        • What is the largest amount of money you had at any one time?
        • Where do you see yourself in the next 350 days?

Exercise 2

Download the attached excel sheet. It is time to get honest with yourself, open the closed envelopes and get the full picture. The document may look simple, but nothing is more empowering than knowing the truth about your money! Get consistent with listing all your bills and more so, I have made it easy for you… No more excuses!

Click here:


I urge you to take the time to linger on the word “Consistent”. One of the most famous lines from the book The Slight Edge, “Things that are easy to do are also easy not to do!” The moment we welcomed in 2019, we started the countdown of 8,760 hours to New Year 2020. Without skipping a beat… Father time stays consistent. Let nothing get in the way of your New Year’s Financial Resolution, not even yourself!

Next month we will delve further into the Personal Finance terminology that we will use throughout the year.

Want to know more about Edwina Delamore and her Personal Finance Education company CSG Wealth, visit:

Also, if there are any questions, leave a comment below.


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A lot of Money Resolutions, Any Solutions?

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