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Fola Daniel Adelesi: Check Your Financial Thoughts

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Before money comes into the hands of many people, just like you and I, there are so many thoughts that would have gone on that money. You would have dissected and sliced or practically throw it around though it has not come. So when the money finally comes, it can be referred to as dead on arrival, as some medical folks will say.

Are you still wondering what happens to your money and why it can’t stay for a while?  Maybe you should not wonder again. You have been thinking about what will befall the money just before it came and when it came you did justice to it.

I can tell you that your financial intentions or your financial thoughts are the things that determine if you will always have some money left or not. I intend to show you how important your dominant financial thoughts are and how it can affect your future.

You will agree that as human beings we are products of our thoughts and we are just exactly what we think. So when a man thinks more about how to spend money, he will simply spend the money when it comes. If a man is thinking more about how to invest money then he will invest the money when it comes.

I guess you will understand that money has no capacity. It is has no real shape or form and will only take on the character of the person managing or controlling it. With that in mind, you need to check your financial thoughts to see what you either have something left or nothing left at all. You need to check your financial thoughts to see why you get money when you need it or why you cannot get money when you need it.

For many men, they are thinking about the next set of electronics to buy when the money comes. Some are thinking about the cars to buy. You are not a car dealer but you get a new car nearly every six months. Since most men don’t do jewellery, they want to compensate that with an expensive wrist watch, a classy shoe and some really good suits or shirts. So many guys can’t spare that new phone that is being advertised. It is particularly shocking when I see people with mobile devices that are sold at a rate which is twice the salary they earn.

For the ladies, it is certain they will try out the new expensive hair style that is enough to buy a plot of land in my village that is not too far from Lagos. They must buy the next earring that is probably half of their salary or the bag to match their dress. Some just can’t spare those high heels when they see them. They will never forgive themselves for not buying them. I see ladies wearing dresses that I know their salaries can’t accommodate except if they do nothing but buy dresses with all their salaries.

Many people are servicing one debt or the other with most of their incomes because they have already spent the money they have not earned. For some, it may seem understandable; for others, it is simply unjustifiable.

Let me be quick to say that this is not to condemn anyone. You can buy what you want and use what you like, but I need to expose the direction you are headed financially! You will always find yourself needing more money now and later in the future if all you ever think about is how to spend and you are waiting to make more money. There are those who may not have enough today but will soon move out of that zone because they are not only thinking about how to spend but thinking about what they can invest in.

You should realize that money is a bad master, if money controls you;  but it is always a good servant if you are the one in charge. Please check your financial intentions today. Are you always thinking of what next to buy or thinking of what next to invest in? These two are important but the one that weighs more shows you how you will end up. Make adjustments if you have to so that you will not sell what you need in future for buying what you don’t need right now.

Photo Credit: Dreamstime | Matthias Ziegler

Fola Daniel Adelesi (also Fola Daniel Speaks) is a Professional Public Speaker, Learning & Development Expert, Communications Professional, and an author of more than 13 books. He's a highly engaging training facilitator who holds his audience spellbound when speaking at gatherings. Apart from his several platforms which include banks, insurance companies, and religious organizations, he has been part of some national television shows and he spoke so intelligently. Some of his published books include: - Get Up and Hit That Goal - Basic Skills for Outstanding Leadership - Breaking Grounds Despite Backgrounds - Writing Business Proposals - Indebted to Ignorance He's also a highly skilled master of ceremony with excellent poise and diction who is endeared to many corporate clients. He was on the Debaters TV reality show Season 1, he presented 'You Can' on Radio Continental in 2011 and he did motivational segments on Galaxy Television from Dec. 2008 to August 2009. He currently features consistently on Channels Television and Television Continental, two of the leading TV stations in Nigeria to discuss national and youth issues. He keeps a vlog at and his books are available on or

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