If you apply commendable financial skills, happiness can be bought

While in life there are so many aspirations that people can toil for, it would seem for most, happiness is the most aspiration people would die for. Well, we can not fault them, as there is nothing wrong with being happy, folks. Happiness is one, or maybe the only one emotion, that, most of the time, brings the best out of us.


But how does happiness last? Or put the other way round, can happiness sustain itself, by itself, always, forever? You need other variables to contain happiness.


This article is about success with money. And, financial success might be the only aspiration that can sustain itself. If it fails to sustain itself, then it breaks your life. Come to think of it folks, financial success can sustain other life’s variables and emotions, including happiness. Financial stability makes peace possible and it keeps the flicker of life’s hopes alive.

So good money skills are essential and should be top priority for all of us. And so should financial success.


There are people who are just happy to be employed. During the interview they do not ask about employment benefits like promotions. Many would-be employees do not ask, ‘Is money is attached to these promotions’.


Promotions are a very good perk; they increase your salary package. There more your salary package grows the more your pension contributions grow.

That is the point I want to make. Many people are miserable when the pension pay out is small, not realising that their own contributions were small to start with.


But do retirees enjoy financial life after hanging up their workers’ tools? This is even the most important question where the employee has no personal savings to their name, where there no endowment policies and so forth. Most people boast of a long list of funeral policies, which, I think, have no value to life. Oh, I see. To these people, funeral policies do have value in death. To some of us death means more than life does.


Often, to most retirees, pensions pay out is miserably paltry and disappointing, making retirement life a rough in the tumble and an abject drag.


Let us look at one reason why for some people the pension pay out is so dismally low and insignificant, even after a working period spanning more than forty, fifty  years of a dedicated and selfless devotion to the employer. Lack of financial promotion at work is one of the detrimental elements that lead to worthless life later on in your life, because the money is not enough to sustain life.


It is a great feeling when we get employed after a long slog to look for, for some of us. Most people are quite happy to be employed, to get the foot in the door. That announcement, that the job is yours, calls for a big celebration, a big festival. And, with the arrival of the first instalment of wages, another celebration follows. And as long as they are happy and the employer is happy, workers are happy to trudge along and stand by their work stations, (my machine, they would say), for the whole of their employment period, neglecting efforts to be promoted from their machine to an occupation that pays more.


The only time they get an increase is during the annual general increase. It does not worry them that while the general percentage increase is equal for all; it is not translated to the same amount for everyone. If your salary is low then the increase will be low. If it is big then the increase will be big. 

Furthermore, it does not matter to them that inflation fluctuates higher every time they blink in boredom. It does not worry them that the cost of life eats into their money every time they open their mouths to eat. For them true happiness is being given awards and honours as the best employees in the company for manning that machine, for instance. It does not matter that their machine has been upgraded several times up to the new digital one they now operate, where just  push in a button rather than operate levers.


Sometimes a call might be made in your senses to leave an employer and go work where the salary is much better. But for people in a job that is not always a possibility. But if you do it then you just transfer your pension pay out to the new fund if that is the case. Do not take it and deplete it.

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      Make sure your employment work for you.. Ensure that you work to succeed in your new job. Make certain that there are promotion possibilities and that each promotion carries a financial increase. 

      Each financial increase affects your pension fund.

     ·         Change companies if there are no promotions with a salary increase partnering them.

·                  Have a separate retirement annuity policy to augment your employee pension fund.

·                  Have an endowment policy.

So you see, if your money situation is taken care of, happiness can be bought. At your work place.