Hi Afro387 clan and welcome to 2021.

Here are a few things I believe you should have in 2021 and beyond. You may already have some or all of them but if you don’t, get to work.


I believe we all know what a vision board is, but just in case you don’t, it is simply a board(cardboard paper) of cut out pieces of pictures from magazines that you envision to be or have in future. A vision board is too much work for me so I opt for a goal or dream list. Basically a list of things I dream of becoming and having which I have on my bedroom wall and before I leave my house everyday I read them out loud. It is a constant reminder of what I need and don’t need so I don’t end up exhausting myself by doing everything and anything. Here is a scriptural reference to having a goal or dream list 👇🏾.

“And the Lord answered me, and said, Write the vision, and make it plain upon tables, that he may run that readeth it.”

Habakkuk 2:2 KJV



I bet we all at some point tried having and sticking to a budget but we failed. This year let’s commit to following through with it. Enough of the unnecessary spending. If you are a salary worker, you should have a budget because trust me it is very easy to say your salary isn’t enough. Without a budget, you will end up spending more than you earn. Once your salary hits your account, if you are a thither, you know you have to take out the 10%, then take out rent, transportation,food and other utilities. Depending on your salary scale, commit to an amount that you can save every month without fail, preferably, have a separate account for this and you can sign up for a standing order and let you bank do the job of ensuring the monthly deductions are made. You also need to invest. A treasury bill is your safest bet but if you need more investment options please send me an email through 👉🏽 Afro.387.gh@gmail.com


We complain constantly of not having enough time to do the things we ought to do but amazingly we have time to do things we need not do. This year let’s have a daily, weekly and monthly trackers or to do list. Let’s make the time because there is never going to be enough time for anything. We have technology at our advantage. We all have reminders, alarms and notes on our gadgets let’s make full use of them. Let’s say if you want to work out or learn something new, you must find the optimum time for you. You may have to wake up a little earlier than usual or cut off screen time.

I know my readers don’t like to read long posts, it gives you panic attacks so I am going to end here and probably have a part two. Please and please, these things are doable you just need to start and take it one day at a time. Go at your own pace, you are in competition with no one.

Happy new year and make each day count.

Love 💕,


One thought on “2021 MUST HAVES

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