It’s often said that you cannot change the past, and that the future is all you’ve got the chance to tweak. That hurts. We all would have wished we didn’t buy that product or pay for that item we never used.
You can’t help but take it on the chin, especially if you’ve also let things slip through your fingers or didn’t take note of stuff like you should have. That’s been part of my own experience.
One that readily comes to mind is incurring an expense about a month ago. This was when a bill of over £10 landed on the table for a not so amazing breakfast.
You’d find that’s really nothing compared to missing this month’s Federal Government Savings Bond. I thought I had it figured it all out, but indecision made me miss out. Thankfully, July’s offer of subscriptions isn’t far away. Hoping to not miss any more for the rest of the year.
But that’s not all there is to plan for in the second half of this fast moving 2026. I’ve received notifications of events that look promising in terms of opportunities being there to explore. That has got me wondering whether I should stick my head out.
You may not have received any of such emails or notifications, but it doesn’t mean you shouldn’t be planning for the second half of the year. As a matter of fact, you don’t need any messages from anyone to start planning. You can simply plan to increase your monthly savings by just a thousand Naira from five thousand to six thousand Naira. That’s as much as something worth achieving as a bank opening another branch in a different state.
If you’re like me, another plan worth having is to not go in the direction of the restaurant where the breakfast bill was in excess of £10. So, if you haven’t been making plans for the second half of the year, it’s not too late. Remember to keep it real and simple.
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Tunde Oyedoyin is a London-based personal finance coach and founder of Money Intelligence Coaching Academy, a specialist academy of personal finance. He can be reached as follows: +447846089587 (WhatsApp only); E-mail: tu5oyed@gmail.com
