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Watch Nigeria > Blog > Personal Finance > 3 shifts to earn & give extra
Personal Finance

3 shifts to earn & give extra

Last updated: December 23, 2025 3:53 am
Terfa Ukende
6 days ago
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3 shifts to earn & give extra
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Contents
  • However one thing unusual occurred AFTER I reached monetary stability…
  • The mindset for a steady life isn’t the identical because the mindset for an considerable life
  • 1. I needed to shift from preservation to multiplication.
  • 2. I discovered to tell apart between silly threat and faith-filled threat.
  • 3. I needed to begin seeing with God’s eyes, not simply my very own.
    • God was inviting me to see sources the way in which He sees them – as instruments for Kingdom influence, not simply private safety.

I nonetheless bear in mind the day I made that ultimate mortgage cost.

After years of sacrifice and self-discipline, we’d lastly finished it.

Emergency fund? Verify. Finances that truly labored? Verify. Room to breathe? Verify.

I’d reached that promised land of “monetary peace” I’d heard a lot about.

However one thing unusual occurred AFTER I reached monetary stability…

As an alternative of feeling fully glad, I felt… stressed.

Like I used to be lacking one thing.

“Is that this actually it?” I caught myself pondering.

“Work, save, retire sometime… is that the entire story?”

It was virtually embarrassing to confess. In any case, I’d achieved what so many individuals are nonetheless struggling for.

However the nagging feeling wouldn’t go away.

What I didn’t notice then was that I’d hit a ceiling in my monetary journey…not as a result of I used to be doing something mistaken, however as a result of I’d outgrown the very mindset that obtained me there.

I discovered one thing that modified all the pieces for me:

The mindset for a steady life isn’t the identical because the mindset for an considerable life

For years, I’d operated with a preservation mindset.

Save extra. Spend much less. Keep away from threat. Keep protected.

That mindset was precisely what I wanted once I was climbing out of debt.

However now it was holding me again from what God had subsequent.

My breakthrough got here once I realized I wanted to make three basic shifts in how I considered cash:

1. I needed to shift from preservation to multiplication.

My complete monetary technique had been constructed round defending what I had.

However the parable of the abilities (Matthew 25) confirmed me one thing profound – God rewards those that multiply sources, not simply those that protect them.

I began asking totally different questions.

Not simply “How can I defend what I’ve?” however “How can I develop what God has entrusted to me?”

2. I discovered to tell apart between silly threat and faith-filled threat.

For years, I’d prevented threat in any respect prices.

However as I studied Scripture, I observed one thing: Almost each individual God used took important dangers.

Abraham left all the pieces acquainted. Moses confronted Pharaoh. David confronted Goliath.

I started to see that avoiding all threat wasn’t trustworthy stewardship – it was concern disguised as knowledge.

3. I needed to begin seeing with God’s eyes, not simply my very own.

I’d change into glorious at managing cash in accordance with standard knowledge – monitoring each greenback, sustaining management, following methods.

However I used to be nonetheless seeing sources by my restricted human perspective.

God was inviting me to see sources the way in which He sees them – as instruments for Kingdom influence, not simply private safety.

To acknowledge alternatives that my spreadsheets couldn’t calculate.

To make choices based mostly on everlasting influence relatively than simply temporal safety.

That shift didn’t occur in a single day. There have been loads of false begins and errors alongside the way in which.

However as my pondering modified, new doorways started to open.

When you’re feeling that pressure between stability and a way that there have to be extra to your monetary story, know this:

That feeling isn’t ingratitude – it’s progress.

It’s not discontentment – it’s discernment.

God has extra for you on the opposite aspect of stability!

Trying again, I notice that monetary stability wasn’t the summit of my journey – it was simply base camp for a a lot higher journey. I’d love that can assist you take the primary steps past base camp, too!

I speak about my journey from cash mess, to stability, and past to progress & giving past my creativeness inside my ebook Easy Cash, Wealthy Life. Inside, you’ll discover encouragement and loads of instruments to stroll out your individual distinctive, God-given journey.

Get a free copy of the book here (just help us cover shipping and handling)!



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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