FOUR CURRENCIES OF MONEY
PASTOR BISI ADEWALE
Japan has yen, England has pound, France has franc, Germany has mark, Italy has Lire, Mexico has peso, Nigeria has Naira, Ghana has cedes. The United States has dollar. The currency of life on earth is TIME; currency of marriage is love while currency of friendship is communication. Money has its own currencies, though it is the currency of every nation.
Failure to know that every money in your pocket and your bank account has it currencies will make you to misuse and abuse it; thereby making the future to be difficult for you financially.
Most of our millionaires of yesteryears are now living in abject poverty because they didn’t know the currencies of money.
Most people that throw party anyhow and display affluence extravagantly do end up in debt, get broke or bankrupt, deep their hands into their employers money and destroy themselves, simply because they do not understand the currencies of money.
When you know what money is and it’s make up, you will be more careful, not stingy but prudent.
What is Currency of Money?
Inside every Naira or Dollar in your hands are 4 currencies, you must into this realization and become wise with what you do with them.
- Divine Currency- God must have His own portion in every money you make. He was the one that gave you power to make the money in the first instance. Your tithe (10 percent of all your income) is nonnegotiable with God, you must give it to Him, if you want him to bless you and protect you from devourer. Tithe and offering is your ‘divine currency’, if you don’t want things to be tight with you later pay tithe, pay your personal tithe and pay your corporate tithe. This is covenant secret you must never ignore. Also in the divine currency is the offering you pay, the money you contributed to the work of God and the one you give to the poor and less privileges. Most people ignore this very important aspect of their earning, 10% is always too big in our eyes to give to the one that gave you 100% and can still give us 1000%. If you want to amount to something tomorrow, please obey this divine injection and it shall be well with you.
2. Governmental Currency- Also included in your income is the governmental currency, you are not permitted to spend it, and they call it ‘tax’. Government is very wise, they do remove their portion before they pay you your own, they call it, ‘Pay-as-you-earn (PAYE). They never trust us that we will remember to pay after collecting our salary, hence they wisely remove their own before they give you yours. But for self-employed, business owners, entrepreneurs, companies and organization; you are expected to pay personal income tax or company income tax. Many people and organization runs into trouble for refusing to pay taxes and rates. You can avoid these unnecessary troubles by paying your tax in full and as at when due
3. Societal Currency- This is the part of your income you spend, so when you collect your salary and begin to buy things, cars, electronics, food stuff, recharge card phones, cloths, shoes, etc you are giving the society back its money in your hands back to them.
4. Life Currency- This is the part of your income that you save, keep and invest it, it’s your real money, your life currency. The higher your ‘life currency’ the better and secure your future, the lower it is the greater your misery tomorrow. When you look at our retiree today, you will feel sorry for them, it is easy to blame the government for not paying their pension. The truth is, how much pension is, people that are collecting salary are complaining, talk less of people that are collecting stipends as pension. Most Nigerians normally ignore the ‘life currency’ of money, 100% of many goes for the ‘societal currency’ most do become broke before 18th of the month, “My salary is small”, No! What is small is your financial intelligence and you also lack saving culture and discipline to prepare for your future. The truth is no salary is big enough to spark the desire to save. What bigger salary does is to increase your DTBMM (Desire to Buy More and More). As your DTBMM increases your DTSMM (Desire to Save More and More) decreases. Most people are having less than zero DTSMM, but have DTBMM.
If you don’t deliberately increase your DTSNN, your future is in danger your destroy is not secured, am not a prophet of doom, but base on facts on ground and happenings in the life of people with high DTBMM, I know that the future is not brought.
To save your future and the future of your family members, you need to deal with your great desire to spend and buy and create a saving culture couple with investment culture.
Your employer is not really preparing for your future; gravity will not profit your destiny, pay yourself now, and increase your life currency; which is your own currency.
It is only money that belongs to you in your income; don’t make the mistake to waste it.
Pastor Bisi Adewale is a family and relationship expert; author of Secret of Irresistible Wife and more than 70 other books on marriage and family life. You can reach him on familybooster@gmail.com, 08068312004, Whatsaap 08051512823, BB: 2AF5C883, Blog: www.bisiadewale.com, facebook.com/PastorBisiAdewale.Twitter @bisiadewale
