As we step into a fresh chapter this new month, I want to remind you of a simple yet powerful principle that often determines success in personal finance - CONSISTENCY.
Let me share a story with you.
A few years ago, a young professional, let’s call her Sarah, found herself drowning in debt. The weight of unpaid bills, credit card balances, car repayments, and student loans made her feel like she was stuck in quicksand. She wanted financial freedom but felt hopeless. No miracle solution was in sight.
One day, she made a decision - not a grand one, but a small, intentional one. She committed to saving just £30 per month and sticking to a budget. It wasn’t an earth-shattering amount, but it was a step. She took on a second job, increasing her earning potential. Month by month, she paid down more debt, saved a little extra, and resisted impulse spending. She didn’t see results immediately, and at times, she was tempted to quit. But she kept going. She remained consistent.
Fast forward three years and Sarah’s life looked completely different. She had cleared her consumer debt, built an emergency fund, and even started investing a small amount monthly. The change wasn’t overnight, but her small, consistent efforts had compounded into a financial transformation.
The lesson? When all hope seems lost, consistency is your secret weapon. You don’t need to take giant leaps - small, disciplined steps will get you there. Whether it’s saving, investing, reducing debt, or growing your income, what matters most is staying the course.
This month, I challenge you to: ➡️ Identify one small financial habit you can be consistent with (saving, tracking expenses, learning about investing, etc.). ➡️ Stick to it, even when it feels insignificant. ➡️ Watch how it transforms your financial future over time.
Great financial success isn’t about luck - it’s about showing up daily for your financial goals, even when progress seems slow. Are you ready to commit to consistency this month? Reply and let me know what small step you’re taking.
About Nike
Oyenike Adetoye (aka Nike) is an impactful speaker, author and personal finance expert. A Chartered Management Accountant by profession. Nike is the founder and CEO of LifTED Finance, a private financial firm that educates, coaches and supports people on their journey through financial fitness and wealth management.