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Self Development - Blog Posts
Why Young People Struggle Financially—And How to Fix It
Have you ever pictured your future? Have you thought about how you will provide for your children, support your aging parents, and sustain yourself in retirement?
Many young people today face serious financial struggles due to a lack of planning. Without good financial habits, you may find yourself trapped in a cycle of debt, regret, and hardship.
Why You Must Take Responsibility for Your Finances Now
1️⃣ Your Dreams and Goals Depend on Financial Stability
No matter what you want to achieve—starting a business, buying a home, or traveling the world—you need money. As King Solomon wisely said, "Money answers all things." (Ecclesiastes 10:19).
2️⃣ Financial Stability Prevents Regret
Imagine getting married and struggling to provide for your family. Your children are sent home from school due to unpaid fees, and your landlord threatens to evict you. You don’t want to live in regret—plan now.
3️⃣ You Will Need to Support Your Aging Parents
Just as your parents cared for you when you were young, the time will come when they will need your support. Will you be financially ready to help them?
4️⃣ You Must Prepare for Retirement
Old age will come. The money you save now can be used for investments, business, healthcare, or simply living a comfortable life after retirement. Will you be financially independent, or will you struggle?
How to Take Control of Your Financial Future
✔ Save a portion of your income every month.
✔ Invest in assets like businesses, stocks, real estate, and fixed deposits.
✔ Avoid unnecessary spending—every naira counts.
✔ Educate yourself—get books on personal finance.
Take Action Now
Financial success doesn’t happen by accident—it requires discipline, planning, and action. Start today, and your future self will thank you.
📖 Want to learn more? Get books on personal finance to take control of your future! [Zero to One by Peter Thiel;The only Budgeting Book You'll ever Need by Tere Stouffer ]
What steps are you taking to secure your financial future?Share your thoughts in the comments!
And don't forget to reblog!
"Remove shoulds from your vocabulary this year. Start your journey of self-love now." - Kelly Martin
Word of the Year for 2025
Transformation.
[noun] 1. change in form, appearance, nature, or character.
(Originally I had chose a different word, but then I realize my goals did not align with that word... so I changed it! I can always change it again, if I need to!)
September of 2024 began my journey of self love, self development, self awareness, and self improvement. I sat down with a journal and a determination to be a better me. To be a me who is true to myself and accepts who I am.
There is so much I have to learn and to work on, so many goals I aim to reach, but I know it will be a process. Perhaps one that never ends. I accept that, because I truly want to be the real me I know I am at my core and I want to express myself to others in honesty and with transparency.
This word means more than just my own transformation. It will apply to how I approach challenges, how I think, how I react, how I live and ultimately the world around me. I will struggle, but I have my wonderful husband at my side and friends who will stick with me through the hard parts.
I look forward to leaving my cocoon and spreading my wings.
It is December 26th, 2024 and I have fully filled two journals I've owned since at least 2019. From front to back they are filled with random things that crossed my mind, notes of my interests, and things I never felt safe to share.
I am proud of filling them. Proud they are no longer blank pages. Excited to start in the next.
I have learned so much about myself since I started my journey of self discovery and self love in September. I am such a unique, smart, and thoughtful individual, but I am sure everyone says that about themselves. There's so much I have to learn about myself and so much I want to accomplish. I have to work on how I set and approach goals, but that's a challenge I welcome.
I am starting to slowly understand myself and I am so excited to meet me.
November came in like the first freeze of winter. Beautiful, but cold and frustrating. I didn't take time to prepare for the change of autumn into winter. I didn't concern myself with the shortening of days and the long stretches of night. This led me into a whirlwind of panic and November clung to me like ice.
December won't be "my month", but it will be a collection of days I will work through bravely. I will continue to move forward and I know I will trip and stumble, but I have to keep my head up and I can't let those moments hold me back.
So I hope all of you welcome this final month of 2024 and all of its challenges. I hope you hold onto the happy memories of this year and use them as your strength while we coast into the next.
𝒯𝑜𝒹𝒶𝓎 𝐼 𝓈𝓊𝒸𝒸𝑒𝑒𝒹𝑒𝒹 𝒾𝓃 𝓂𝓎 𝑒𝓍𝒶𝓂 ♡
I spent the last week preparing for it, reading textbooks while drinking coffee in the afternoons, romanticizing the process of studying, setting reminders to drink water.
I annotated my books, I highlighted the important parts, I wrote detailed notes on harder topics, revised everything and more. The more you read, the more sticks in your mind.
I prayed for my success.
I manifested picking a topic I could be good in. And it happened, to no one's surprise.
The written part didn't go the best, as I was in poor health then, and it was my first long exam (4 hours), but hopefully my oral exam bettered that.
The results will be in next week, and I can barely wait. I miss studying now, but soon the adrenaline will leave and I don't want to overwork myself, I need rest to recharge my mind.
Studying is good for your mind, especially when you reap the rewards of your hard and honest work. Being complimented by your teacher on your knowledge is just one of the world's best feeling. I feel happy with myself.
original picture from:
☁️🎀 𝒲𝑒𝓁𝒸𝑜𝓂𝑒 𝓉𝑜 𝓂𝓎 𝒹𝒾𝑔𝒾𝓉𝒶𝓁 𝒹𝒾𝒶𝓇𝓎 🎀☁️
╰┈➤ 𝒽𝑒𝓁𝓁𝑜, 𝓈𝓌𝑒𝑒𝓉 𝒹𝑒𝒶𝓇! ૮₍´ ˘ `₎ა ♡
this is my little safe space, a cozy digital diary where i spill my thoughts, dreams and wishes ❀.｡.:*｡
🌷 𝒜 𝓁𝒾𝓉𝓉𝓁𝑒 𝒶𝒷𝑜𝓊𝓉 𝓂𝑒 🌷
𓂃 🕯️ name : Anna
𓂃 💌 pronouns : she/her
𓂃 🤍 languages : hungarian (mother tongue), english (c1 level), german (b1, maybe)
𓂃 🐚 zodiac signs: pisces sun, sagittarius moon, pisces rising
𓂃 🫖 persistent obsessions : herbal teas, history, art history, love letters, old pictures, day dreaming
𓂃 🥥 current favorites : the scent of coconuts, scented candles, skin & hair care, poetry
📜 𝒶 𝓉𝒾𝓃𝓎 𝓅𝑒𝑒𝓀 𝒾𝓃𝓉𝑜 𝓂𝓎 𝒹𝒾𝒶𝓇𝓎 📜
𑁍 routines 🧸🌙
𑁍 reblogging a lot 🐚🌾
𑁍 ramblings & dreamy nostalgia 💭💌
𑁍 romanticizing life, one moment at a time 🤍✨
𑁍 pictures are from pinterest🪞🕊️
🌷💭 𝒻𝑒𝑒𝓁 𝒻𝓇𝑒𝑒 𝓉𝑜 𝓈𝓉𝒶𝓎 𝒶𝓌𝒽𝒾𝓁𝑒… 🍰💌
How Childhood Trauma Can Show Up In Adulthood
Childhood trauma can have a deep and lasting impact on your development, some scenarios we would not even consider to be " trauma" but it comes down to how you as a child perceived the situation. To add to that, you could have had a great childhood factually, or by your understanding, because it is all you knew. I’ll give you an example, do you find yourself putting everyone else before you? Maybe when you were little you had an experience with a parent where they put someone else before you in a situation that was significant to you at the time, and that feeling got registered in your subconscious. Maybe you got rewarded for the experience or reprimanded. It could have been very harmless. You may not even remember unless you start to think about it. None the less the root of a lot of our triggers, habits and insecurities boil down to our childhood experiences, that stay buried in our subconscious and often manifesting in various ways during adulthood.
You have a have a hard time controlling your feelings. You might get super angry or not feel anything at all.
You are scared to fail.
You blame yourself for your mistakes and bad choices from your past and have a hard time forgiving yourself.
You worry about what other people think about you or in general and may feel scared a lot.
You are too clingy or too distant and cant find a balance.
You don't trust yourself to make decisions and need constant validation or someone else to make decisions for you.
You feel really sad and down most of the time.
You suffer from negative self talk, are very hard on yourself and really believe those things to be true.
You constantly criticize others.
You need external validation to feel accepted.
You are always anxious.
You are hypersensitive to criticism.
You are terrified of change.
You find it hard to take compliments and truly believe you are not worthy.
You find it hard to keep good relationships because you're scared of getting hurt and feel like you cant get close to others.
You try to be perfect and want to do everything perfectly because you think it will help avoid bad things from happening.
You might eat too much or too little because you are feeling bad or want to control things.
You can't stop thinking about bad stuff that happened before and might have nightmares or feel like they're living it again.
You may feel like they're not really in their body or like things around them aren't real because of what happened in the past.
You avoid things because they remind you of bad stuff that happened.
Sometimes people stay away from things that remind them of bad stuff that happened.
You might have more health problems like headaches or stomachaches.
You do things that hurt you or others, and you don't even realize it because you learned it from when you were young.
You might work extra hard to be successful because you want others to like you or because you don't feel good about yourself.
You rather be alone because you feel embarrassed or worried about what others think.
You try really hard to control everything in your life.
You water yourself down and put everyone else before you.
IG: @nikasholistic
Stop making excuses and start thriving.✨ Let go of fear. If you want to do something, ‘now’ is always the perfect moment. Tomorrow isn’t promised, so start today.
no matter the situation i keep my heart pure. i am such a genuine, loving person and nothing will ever change that.
4theitgirls masterlist
workout posts
🎀 30 day workout plan
🎀 “how much exercise should i be doing?”
🎀 ab & core workouts
🎀 all about mobility
🎀 all about yin yoga
🎀 barre workouts
🎀 beginner guide to pilates
🎀 beginner pilates routines
🎀 cardio routines
🎀 christmas-themed workouts
🎀 december 2024 workout plan
🎀 fitness tips from adriana lima
🎀 full body workout routines
🎀 lower body workout routines
🎀 mat workouts
🎀 mat workouts pt. 2
🎀 non-yoga stretch routines
🎀 november 2024 workout plan
🎀 pilates routines
🎀 standing workout routines
🎀 tone and flexibility workout routines
🎀 workout plan for beginners
🎀 workouts and stretches for your period
🎀 workouts and stretches you can do in bed
🎀 workout youtube channels
🎀 workout youtube channels pt. 2
🎀 yoga routines
study posts
📖 study like blair waldorf
📖 study like elle woods
📖 study methods
📖 study like paris geller
📖 ways to romanticize school
📖 ways to stay organized in school
📖 youtube channels for study motivation
bookish posts
🍵 november 2024 book journal
🍵 youtube channels for the book girlies
miscellaneous posts
🍸 a guide to blair waldorf
🍸 christmas gift ideas
🍸 cycle synching
🍸 how to build a routine
🍸 it girl spring cleaning
🍸 it girl youtube channels
🍸 it girl youtube channels pt. 2
🍸 productive ways to fill your notebooks
🍸 productivity apps for self improvement
workout & stretch routines for your period
8 minute de-bloating stretch routine by gloria song
10 minute yoga for periods by hailey c.
12 minute slow workout for pms by madfit
15 minute full body workout for pms by ballet thera fit
15 minute pms/period stretch by mady morrison
15 minute period & pms stretch by mizi
20 minute lower back workout & stretch by bigsis
20 minute pilates to reduce period pain by pilatesbodyraven
20 minute period/pms workout & stretch by emi wong
20 minute yoga for pcos & hormones by akshaya agnes
20 minute yoga for your period by akshaya agnes
25 minute mat pilates for your period by pilatesbodyraven
27 minute low impact mat workout for period by cbc life
30 minute pms workout by bigsis
30 minute pilates for pms/period by eleni fit
30 minute period pain relief yoga by yoga with kassandra
30 minute yoga during periods by akshaya agnes
30 minute yoga for period pain & cramps by boho beautiful yoga
full body workout routines
with weights
30 minute full body dumbbell workout by bigsis
30 minute muscle up & fat down by bigsis
30 minute full body pilates style sculpt by madfit
30 minute toning & strength by madfit
30 minute full body strength by madfit
30 minute full body sculpt by madfit
30 minute full body dumbbell workout by madfit
30 minute all standing dumbbell workout by mizi
30 minute full body sculpt by madfit
30 minute sculpt & strengthen by fitbymik
30 minute dumbbell strength x pilates by fitbymik
30 minute dumbbell strength & pilates by fitbymik
30 minute full body build & burn by squatcouple
40 minute full body dumbbell workout by mizi
40 minute full body hourglass workout by olivia lawson
40 minute killer strength by growingannanas
45 minute cardio & strength by eleni fit
45 minute hourglass dumbbell workout by olivia lawson
45 minute full body strength by madfit
50 minute full body dumbbell workout by bigsis
without weights
25 minute kpop idol body workout by lena snow
30 minute full body fat burn by emi wong
30 minute dancer sculpt by madfit
30 minute small-space friendly full body workout by madfit
30 minute full body workout by madfit
30 minute full body hiit by madfit
30 minute full body hiit by madfit
30 minute stretch & tone by madfit
30 minute stretch & tone by madfit
30 minute full body hourglass workout by lena snow
30 minute full body sculpt by madfit
30 minute low impact full body sculpt by madfit
30 minute hourglass workout by mizi
40 minute full body build & burn by squatcouple
45 minute full body fat burn by emi wong
50 minute full body workout by april han
1 hour full body fat burn by emi wong
1 hour full body workout by mizi
1 hour full body workout by caroline girvan
1 hour full body workout by caroline girvan
workouts & stretches you can do in bed
* youtube channel dayana wang has tons of short bed workouts!
5 minute stretch by eylem abaci
5 minute yoga by yoga with kassandra
6 minute stretch by pamela reif
8 minute de-bloating stretch by gloria song
10 minute abs by emi wong
10 minute abs & thighs by emi wong
10 minute sitting upper body by emi wong
10 minute stretch by emi wong
10 minute sitting back workout & stretch by emi wong
10 minute stretch by emi wong
10 minute abs by emi wong
10 minute upper body workout & stretch by emi wong
10 minute stress & headache relief stretch/massage by emi wong
10 minute sitting arm workout by hailey c.
10 minute yoga by yoga with kassandra
10 minute yoga stretch by yoga with bird
10 minute yoga by jess yoga
12 minute full body by vicky justiz
14 minute full body by roberta’s gym
15 minute leg workout & stretch by emi wong
15 minute full body by hailey c.
15 minute legs by emi wong
15 minute lower abs by mizi
15 minute stretch by blogilates
15 minute yoga by boho beautiful yoga
20 minute abs & legs by emi wong
24 minute full body by roberta’s gym
30 minute yoga by yoga with kassandra
all about mobility
what is mobility & how is it different from flexibility?
mobility is the ability of the joints to move through their full range of motion, while flexibility is the ability of the muscles to temporarily stretch.
why do mobility training?
there are many different benefits of mobility training, including:
increased flexibility
reduced risk of injury
improving joint & muscle health
improving range of motion
improving posture
gaining muscle strength
balance & stability
reducing pain & stiffness in the body
when should i start?
now! there’s a common misconception that you shouldn’t need mobility training until you are in your later years and your mobility starts to decline, but mobility training is useful no matter your age. in fact, the sooner you start, the less mobility & joint problems you will experience as you age.
how often should i train mobility?
mobility training is safe and beneficial to do daily, but ideally, you should try to train mobility at least 5 times per week for at least 5-10 minutes each time.
routines:
10 minute mobility workout by growingannanas
10 minute mobility for neglected joints by julia.reppel
15 minute daily mobility routine by julia.reppel
15 minute mobility stretch by growingannanas
20 minute slow mobility & stretch by julia.reppel
20 minute full body mobility warm up by leanbeefpatty
20 minute spinal mobility by julia.reppel
20 minute mobility workout by julia.reppel
20 minute rest day mobility flow by julia.reppel
20 minute pilates x mobility by julia.reppel
20 minute full body mobility by julia.reppel
25 minute full body stretch & mobility by madfit
25 minute mobility workout by julia.reppel
25 minute yoga for mobility by jess yoga
25 minute rest day mobility by julia.reppel
25 minute low impact mobility workout by julia.reppel
25 minute mobility workout by marie steffen
30 minute full body primal mobility by julia.reppel
30 minute primal mobility workout by julia.reppel
30 minute mobility yoga for athletes by charlie follows
30 minute beginner-friendly mobility flow by julia.reppel
30 minute mobility workout by fitness__kaykay
30 minute active recovery workout by heather robertson
30 minute core strength & shoulder mobility by heather robertson
35 minute yoga fusion workout by heather robertson
40 minute mobility & dynamic stretching by heather robertson
40 minute abs & hip mobility by heather robertson
40 minute core strength & back mobility by heather robertson
40 minute core strength & mobility by heather robertson
40 minute core & shoulder mobility by heather robertson
40 minute abs & mobility by heather robertson
44 minute core & full body mobility by heather robertson
my MOVEmber workout plan
start date: friday, november 1
⋆ ˚｡⋆୨୧˚ ♡ ˚୨୧⋆｡˚ ⋆ ⋆ ˚｡⋆୨୧˚ ♡ ˚୨୧⋆｡˚ ⋆ ⋆ ˚｡⋆˚୨୧
day 1: 30 minute pms & menstrual pain workout + 20 minute lower back workout & stretch
day 2: 44 minute core & mobility
day 3: 30 minute pilates
day 4: 30 minute walking cardio + 15 minute stretch
day 5: 45 minute yoga
day 6: 30 minute full body strength + 10 minute stretch
day 7: 35 minute pilates x mobility
day 8: 30 minute hiit + 10 minute stretch
day 9: 45 minute yoga
day 10: 30 minute pilates
day 11: 30 minute full body + 20 minute yoga
day 12: 40 minute mobility & dynamic stretch
day 13: 30 minute cardio + 25 minute yoga
day 14: 1 hour yoga & breathwork
day 15: 30 minute full body strength + 20 minute stretch
day 16: 30 minute stretch
day 17: 30 minute yoga hiit fusion
day 18: 45 minute power pilates
day 19: 30 minute hiit + 20 minute full body + 10 minute stretch
day 20: 30 minute yoga
day 21: 30 minute full body + 10 minute stretch
day 22: 30 minute hiit + 25 minute stretch
day 23: 45 minute yoga
day 24: 30 minute mobility & strength
day 25: 45 minute strength & cardio
day 26: 30 minute stretch
day 27: 30 minute slim leg workout + 15 minute slim leg stretch
day 28: 30 minute pilates core
day 29: 30 minute hiit
day 30: 1 hour yoga
how much exercise should you do per week for maximum health benefits?
note: while getting enough of different types of exercise is important, as different types of exercise bring different primary benefits, the most important thing is that you are moving your body! don’t feel pressured to do a strict amount of cardio per week if you don’t like cardio, especially if you are new to exercise. this goes for any other type of exercise. it’s totally okay to do the exercise you enjoy doing, as long as you are doing it!
how much cardio should you be doing?
while this may differ according to your personal health, conditions you may have, your goals, etc. (as with any other form of exercise), the general advice given by professionals and the American Heart Association is at least 75 minutes of vigorous aerobic activity or 150 minutes of moderate aerobic activity per week. if we are going with 150 minutes per week, this would mean at least 21 minutes per day, or 30 minutes 5x per week. this schedule may vary depending on your schedule, but the overall goal is 75 or 150 minutes per week!
how much strength/weight training should you be doing?
while different professional sources have varying opinions on this, the most common advice is 60-90 minutes per week. if we are using 90 minutes per week, this would equal to 13 minutes per day, 18 minutes 5x per week, or 30 minutes 3x per week.
how much yoga/stretching should you be doing?
it is important to at least include a short cool down stretch after your workout to prevent injury and reduce soreness, but when it comes to yoga, it is recommended that you include at least a 1 hour session 3x per week, although doing a bit each day is considered ideal. using the guide of 3 hours per week, this would equal 26 minutes per day, 36 minutes 5x per week, or 60 minutes 3x per week.
how much pilates should you be doing?
while many do not include pilates in their routine or do not consider it necessary, i and many others find it incredibly beneficial due to its ability to work the smaller muscle groups that weight training usually does not. it is generally recommended that you do a 45 minute session 3-4x per week. this would also equal 19 minutes daily if you prefer to split it that way.
more mat workouts for when you don’t feel like standing
♡ 8 minute lower abs by mary braun
♡ 8 minute brutal abs by mary braun
♡ 15 minute thigh and booty pilates by fitbymik
♡ 15 minute hourglass abs by madeleine abeid
♡ 20 minute butt lift by mary braun
♡ 20 minute thigh and booty pilates by move with nicole
♡ 20 minute express pilates by move with nicole
♡ 25 minute abs and booty pilates by move with nicole
♡ 25 minute booty and thigh pilates by bailey brown
♡ 30 minute pilates for beginners by move with nicole
♡ 30 minute lower body pilates by moving mango pilates
♡ 40 minute full body with weights by penny bernshaw
♡ 47 minute full body pilates fusion by dansique fitness
♡ 1 hour full body pilates by moving mango pilates
♡ 1 hour full body pure pilates by moving mango pilates
Everyday of trying is a successful day
Treat yourself to a self care day this weekend!💕
Repeat after me:
I already have anything I want!
I'm grateful for being myself, I always attract blessings into my life.
My life is perfect, I'm fully satisfied and happy for all the things I have.
I am beautiful, caring, compassionate, smart, and abundant.
Everything is exactly how I want it to be.
I have anything I want today, tomorrow, and always!
April is my best month yet!
April is my best month yet!
April is my best month yet!
April is my best month yet!
Each step is a step. Relax and keep going ✨️
getting my nails done, keeping my room clean, waking up @ 5am, eating yogurt bowls, listening to affirmative music, smelling like vanilla, taking care of my appearance, setting boundaries, smiling more, achieving all my goals...