Personal Finance for Empty Pockets

Personal Finance for Empty Pockets

I know exactly what made to look at my book, it’s the word “empty pockets”.

Chapter One : Read It

Think of this book as making an investment on yourself.  This investment is like planting a seed in the soil, watering the soil, giving it every opportunity to catch the sun light and protecting it. It is your seed from here onward and you have to make sure that it grows out of the soil and it rises as high as possible.

The seed that you are invested in is a Chinese bamboo tree seed. What is so special about the Chinese bamboo seed? The Chinese bamboo tree seed does not break through the ground in its first 4 years…You have to nurture it for four straight years.

The Chinese bamboo tree breaks through the ground in its fifth year and it grow over 90 feet in the first five weeks of the fifth year!

The seed here for you is how and where you see yourself in five years, it is a vision of yourself. You have to start working on this vision of yours from today, protect this vision and nurture it. That is the only way your vision can stand tall in front of you. So before you read any more of this book, I want you to visualize your success. No matter what your goal is, weather it is to have enough money saved in your bank account for a down payment for a car, home, or what every your financial goal is. Plant that seed, that vision in your brain.

I am sure that you have made a billion plans so far in your life and if each one of these plans had come to existence I am sure that you would not be reading this book at all or be in a boring book store. You would have been chilling out near a beach with a margarita and sun tanning. So, let’s make another attempt, another plan, let us plant this seed! Let us not make it worse than it already is, let us try to break through this ground and rise high and feel the sunshine.

My strategy is to think about the future. Whatever age you are at, think about the next five years. Let us target the next five years of our lives. Visualize where you will be, how you will be, how you will feel and how amazing it must feel to be where you really truly wanted to be. I know you can taste it, feel it and see it.

Now, we need to make a plan. I know you don’t pay attention to details, however, this plan, you need to really think about. The best way to do this is to get a note book. In this note book each day you are going to write down what exactly you are going to do that will propel you closer to your goal. For example, one of the challenges that I had at my work was that I was not talking at all in the morning meetings. I wrote that in the book that, “tomorrow Khurrum Zaka you are going to talk for at least 1 minute”. Right there I committed and created an action plan to propel me to wards my ultimate goal. Next morning, I looked for an opportunity to talk in the morning meeting. Before, I did my “taking” or giving my opinion I told myself that, Khurrum Zaka you need this, you are not going to die if you talk.  

You have to put yourself in a situation where you are scared and uncertain. You have to take that risk in order to walk over towards your goal. That is the only way you will be able to propel yourself. The first time is the hardest, but after you do it, you will have this feeling of achievement. 

Chapter Two: Plant the Seed

Ok! So you are ready to plant the seed. Awesome! I want you to say this to your brain, “ Hi Brain, I am going to make you go through hell for the next little while and I know you are going to argue with me and think why the hell am I putting myself through this. Trust me I know what I am doing, I am planning right now, I am planting this seed which is very dear to me and I am going to water this soil for the next four years. I am the only person who can water this plant, I am the only one who can take care of this, so either work with me or get the hell out of here because it’s about to get busy in here.

Coffee Break.....