The K.I.T Series- your financial life.

This marks the end of the K.I.T series and also the beginning of the year 2017. I thank God for keeping us this far and for providing for all our needs last year. I want you to take few minutes to think about how much money you spent last year, the significant things you bought, the insignificant ones and judge if you spent your money wisely or not. If you like it or not, how successful you will become in life depends on how wise you are in the usage of everything God has put at your disposal which includes MONEY. Money like every other thing in life, if you aren’t intentional with its usage will develop wings and fly away leaving you wondering what you achieved with it.

A Pastor I respect so much, Pastor Oluwatimilehin Adigun of Mine Teenage Ministry mentioned three things money should be used for. He said “SPEND some, SAVE some, GIVE some.” It’s that simple. How well you use your money depends on these things.

1. Spend some: I asked three teen girls what comes to their mind when they hear money and they all gave the same answer in different ways. They all said “spending.” You use money to meet your needs and note I said “needs and not wants.” You can want something and it might not be what you actually need at the moment.  For example, you can want a pair of beautiful earring while you need a pair of black shoe because the one you have is spoilt and at the same time you still have other good and beautiful earrings you can use for the main time. If you will make a wise decision at this point it will be to buy the shoe and not the earrings. When dealing with more than one need you have to follow what in Economics is called “scale of preference.” This is just you listing your needs in their order of priority so you can go for the one that is most pressing at the moment.
I also want you to know that when you are spending your money on something make sure you are going for “quality” and not just for “quantity”. It’s wise for you to buy a product of high quality that will last you for years than to buy a product of low quality that you will only use for months or even weeks. Note that “quality” does not denote “expensive.” A product can be of  a high quality and still be at an affordable price while a product can be expensive and be of a very low quality. That is why you have to compare different products, what they can do and their prices before you put your money on it; this is called WISDOM. To enable you curtail your spending I will advice that you work with  having a budget per month. When you spend your money wisely you will still have enough left to save and that takes me to our next point.

2. Save some: Saving money is like the most difficult thing for people to do most especially young people but the earlier you learn to start doing it the earlier you will begin to experience a sense of financial security. There are different means of saving money. You can decide to open a savings account (with any bank   of your choice) where you save your money into from time to time. You can also buy a small saving box where you can keep your money in. You can decide on a particular amount you want to save per week or per month and determine not to  touch the money till you need it for something urgent.No matter what means you use to save your money the end point is what matters “and that is for you to be able to have money to attend to unforseen events.” Nothing in this world is permanent. Things happens that catches one unawares and in situations like that you need money to attend to such things.  That is why you have to be prepared for your future financially. So, the next time you are tempted to buy what you don’t need just because you have too much money on you remember to SAVE for the rainy day.

3. Give some: This is like one of the best things you can use your money to do because when you give it comes back to you in a good measure, pressed down, shaken together and running over. There are two set of people you need to give too-  GOD and the needy.
God says in the book of Malachi 3:10 to “bring the full amount of your tithes to the Temple( the church), so that there will be plenty of food there. Put me to test and you will see that I will open the windows of heaven and pour out on you in abundance all kinds of good things.”
Tithe is just the 10% of your income. Lets assume your income for a month is 10,000 you will divide 10,000 by 10 and that will give you 1,000 which is your tithe that is the 10% of your income.Our God is a righteous God. Whenever He asks his children to do anything he always has a reward in mind for them. So lets check Malachi 3:11-12 for the reward of tithing “I will not let insects destroy your crops and your grapevines will be loaded with grapes. Then the people of all nations will call you happy, because your land will be a good place to live.” When you give God the 10% of your income He blesses the remaining 90% and He makes it sufficient for you. For every commandment of God you disobey there is a reward for it too and if you want to know the reward of disobeying God by not giving your tithe read the opposite of what Malachi 3:10-11 says. Remember God doesn’t owe  any man. He is righteous.
The Bible says in Psalms that when you give to the needy you lend to God and we know that God doesn’t forget our labour of love. Luke 6:38 says ” Give to others, and God will give to you. Indeed, you will receive a full measure, a generous helping, poured into your hands- all that you can hold. The measure you use for others is the one God will use for you.” I can’t over emphasize how important it is for you to give to God through every means you can because He will bless you for it. Don’t spend your money on unnecessary things when someone around you needs it to meet a need. Learn to give . Be generous, and you will be prosperous. Help others, and you will be helped(Prov 11:25).

This brings us to the end of K.I.T series. I want you to know that you can’t live a balanced life without JESUS. He has the whole world in his hands and only him can help you keep your life together. When you seek God and His Kingdom first He will give you every other thing you need to live a successful life which includes balance. Accept Jesus into your life today. Till I write to you again keep living your life in Christ.I love you but not as much as Christ does!

The Kit Series.

I know that by now you will be trying to figure out what K.I.T. means. Let me save you the stress. K.I.T. is an acronym for “Keeping It Together.” In this series, I will be writing about how you can live a balanced life. How you can keep your physical life (appearance and health), your spiritual life, your academics, your financial life and your social life together. I’m tired of seeing girls live an unbalanced life. I’m tired of seeing girls with pretty faces on empty heads or girls that are academically sound without knowing any other thing apart from their books and that is why I’m writing on K.I.T. I believe you will learn a lot from this series that is why I want you to please follow this series and tell your girlfriends about it.

K.I.T-your physical life(appearance):
Have you ever felt like being a girl is stressful most especially when you think about dressing or something that affects your appearance like combining colours together. Your appearance really matters because that is what everybody sees at first before getting to really meet the real you. That is why you don’t want to get it wrong even as at that you don’t need to fret. I’m here to help you. Here are tips that will help you have  a good lasting impression on everybody you meet.

1. Clean up: I remember one of my female family friends once told me when I was thirteen that girls clean up. Little things makes a lot of difference. Learn to follow rules of personal hygiene e.g:
*Take your bath everyday.
*Brush your teeth twice daily.
*Trim your nails or file them.
*Shave the hair of your public area e.g armpit.
*Wash your cloths and under ware after wearing them.
*Don’t wear wrinkled clothes. Apart from the fact that when you iron your cloth it makes you look more tidy, it increases the durability of your cloth.
*Use deodorant and perfumes. It helps you smell nice most especially after perspiring.
*Wash your hair regularly.
*Don’t keep a particular style of hair for too long. When you notice that your hair is getting rough lose it, wash it and make another one.
* Make styles that fit your face shape. If you aren’t sure ask a trusted hair dresser.These things might seem minute or not important but they go along way to improve your appearance and boost your self confidence.

2. Define your style: Your personality influences your kind of style. Wear only things that will best represent you. Don’t wear a cloth because it is in vogue wear it because It represents who you are and you are comfortable in it.  Wear something that brings out your true self. You are the best of your kind. Don’t let people decide what the best version of you looks like. You define You.

3. Figure out your body type: Your body type is a cumulative product of your skeletal structure and the quantity and distribution of muscle and fat in your body. Women have four main body types. They are:
a. Apple body type:The weight of this body type accumulates above the hips, which are narrow. The back, ribs and shoulders are broad and if this is your body type you may feel wider than other body types. Your best body feature is your legs.
b. Rectangular body type: the waist measurement is less than nine inches smaller than hips and bust measurement.  Body fat is distributed predominantly in the abdomen, buttocks,chest and face. This overall fat distribution creates the typical ruler (straight) shape. The best body feature of this body type is the slender legs and arms.
c. Pear body type: The lower body is wider than the upper body. The best feature of this body type is the shoulders and flat stomach.
d. Hour glass body type: The shoulders and hips are similar in proportion and set off by a tiny waist. The best feature of this body type is the curves.
Identifying your body type will help you to know what will work for you and what won’t.

4.Figure out what works best for your body type:
a.  Apple body type:
* Go for a V-neck top to create the illusion of a longer torso.
* Wear dresses with an A-line or empire hem. It helps you to create a waist line.
*Do wear belts at the smallest part of your waist. Avoid belts and dresses that pinch at the waist.
*Do conceal tummy bulge by wearing empire tops and dresses.
*Do wear a bra that offers good lift and support.

b. Rectangular body type:
* Wear long jackets to create a lean look.
* Wear tops with collars,ruffles and details to flatter your chest.
* Have fun with colourful skirts and pants feel free to experiment.
* Wear a good bra that will make the most of what you have.

c. Pear body type:
* Try a-line skirts that camouflage wider hips.
* keep hems of skirts and dresses wide to balance the hips.
* Experiment with light- coloured tops and dark-coloured bottoms contrast.
* Look for boat neck tops, square and cowl necklines.
* Try styles with ruffles on top.
* Wear jackets that yhits right above the waist.
* Do go for pointy-toed shoes to elongate your legs.

d. Hour glass body type:
* Wear wrap dresses or A-line cut dresses.
* Wear well fitted dresses.
* Go for high- waisted skirts to show off your hips.
* Do pick thin, light waisted styles and fabrics.
* wear dresses that have a fitted top and hug your waist to avoid adding bulk.
* Wear V-necks or sweetheart necklines to slim down the bust.
* Accessorize with belts so that the naturally smaller waist is showcased.

5. Wear colours that complement your skin tone. Also learn about colours so you can know what colour will match with what colour.

6. Accessorize with watches, sunglasses, ties, necklaces etc but don’t over do it.  Remember less is much.

7. Dress for the occasion.  Wear only cloth that are appropriate for where you are going to.

8. Don’t neglect your shoes too.  They can either make or mar your dressing.

9.  Ensure that you have a good standing, sitting and walking posture. It makes you look more attractive. When sitting cross your legs at the knee not at the ankle.

10. Have a good charisma. Carry yourself like the princess you are. See the world as your run-way and walk in it with your head up.

11. Use positive body language when interacting with people e.g make eye contact, smile, etc but don’t over do it.

12. When speaking to people learn to speak audibly enough for everyone to hear what you are saying but avoid shouting. Believe that people need to hear what you have to say.

13. Have a good self-confidence. Know who you are and keep being you. People will be more attracted to you if you are comfortable in your own skin.
There you have it, thirteen tips that will help you improve your appearance. The next time I will be writing to you, I will be writing on K.I.T. -your physical life (health).

Until then, continue to keep your life together.

I love you.

Reference: http://www.sheknows.com and wikihow.com