5 Action steps to Break Free from the Habit of Instant Gratification

In my previous article, I shared with you what it means to delay gratification and expounded more on instant gratification and also shared some positives or benefits you’ll get from delaying gratification. Today, let us take a critical look at how you can break free from the habit of instant gratification.

To break free from the habit of instant gratification, it’s imperative that you consciously work through the following five-step process. This process of actionable steps will set you on the right track and help you to develop the habits needed to pursue long-term goals and objectives.

Action step 1: Know What You Want

Your first step is to get a sense of where you’re going. If you don’t understand where you’re going or what you are going to be working towards, then it’s easy to get distracted by the temptations that life throws your way.

Drawing up a plan to attain your

goals and vision will help you to stay focused and disciplined along your journey.

With that in mind, begin by clarifying your vision for the future.

Ask yourself:

•What do I want to achieve?

•How will I achieve this?

•Why do I want this? What are the benefits?

•Why is it important to work towards this vision?

It’s crucial that you also specify your short-term objectives and priorities. This is critical because often instant gratification will squeeze its way into your life when you are indecisive or uncertain about your direction.

During these times, indulging in temptations will seem more enticing and pleasurable.

On the other hand, working through the pain of trying to figure things out will be the last thing you will want to do. This is especially true when you are confronted with unexpected problems.

Action step 2: Identify Potential Obstacles

Along your journey towards fulfilling your long-term vision of the future, you will confront many problems. Some of these problems will, of course, surprise you in unexpected ways. And if you’re not ready to deal with them, then you are likely to succumb to short-term pleasures that bring you momentary periods of comfort. These pleasures will essentially distract you from your problems.

Problems can be quite unpredictable by nature, and you won’t always know what problems might arise. And yet

problems are things you can effectively work through as long as you don’t get caught up indulging in temptations that are likely to distract you. For this very reason, it’s critical that you identify the temptations you might confront along your journey. These are temptations that could sidetrack you when facing adversity.

Ask yourself:

•What temptations could sidetrack me?

•How will I handle these temptations?

At this stage, don’t make the mistake of trying to find solutions to your problems. Your problems are irrelevant. You will most certainly overcome them, as long as you don’t get caught off-guard by the temptations that life throws your way.

I’m, of course, talking about the temptations that will make you forget about your problems. They are the temptations that will bring you instant pleasure and will temporarily eliminate the pain of the problem you face. In the end, it’s not the problem you must worry about, but rather concern yourself with the things that could distract you from solving your problem.

Action step 3: Build a Strong Support Network

To avoid falling into the instant gratification trap, it’s paramount that you build a strong support network. These people will help support you during difficult moments along your journey.

Ask yourself:

•Who could support me along this journey?

•How could they support me?

•What exactly would their role be?

You will unlikely achieve the success you envision without a strong support network.

These are the kinds of people that can help you work through your problems more efficiently. They will be there to help you stay focused. And, more importantly, they will be there to make sure you don’t get sidetracked or distracted by temporary pleasures that life will undoubtedly throw your way.

It’s also important that you clarify what kind of resources you might need on your journey.

Ask yourself:

•What resources might I need?

•How will I acquire these resources?

Your resources might include tools, skills, knowledge, and a plethora of other things that you will need to achieve your desired long-term objectives. It’s very possible that you’ll even need resources that will help you to ward off short-term pleasures and temptations that might suddenly creep up on you during difficult times.

Have a good long hard think about what you might need along your journey to ensure you remain focused on what’s most important at all times.

Action step 4: Set Clear Boundaries

It’s crucial at this stage to set clear boundaries or rules about what you will do and what you will avoid doing at all costs.

Without clear boundaries, it’s easy to fall prey to temptations. However, with clear rules in place — about what you’re allowed and not allowed to do — you will feel more in control of the events and circumstances of your life.

Ask yourself:

•What am I allowed to do?

•What’s absolutely off limits?

Outline what kinds of behaviors you will no longer indulge in. Also, think about the long-term rewards and benefits you will derive from avoiding these potential temptations.

Action step 5: Create a Reward System

Finally, take time to create a reward system that will help keep you motivated long-term. Reward yourself not so much for what you’re doing, but instead, reward yourself for staying away from possible temptations that could distract you.

If for instance, you stay focused on your highest priority activities and don’t get caught up in the habit of instant gratification for an entire week, then reward yourself with some temporary pleasure that will satisfy your senses.

However, once the reward is done, move on and get back on track. Doing things this way will help you stay in control. Yes, you are giving yourself permission to indulge in temporary pleasures and temptations from time-to-time. However, these are not distractions but instead rewards for your efforts.

You are in control of this behavior and, therefore, you are in control of your life. It’s when your behavior controls you, and you end up falling prey to instant gratification, that is when your short-term pleasures begin getting in the way of your long-term objectives.

Peter Kwadwo Asare Nyarko

Financial Literacy Advocate | Financial Educator | Author

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Contact Peter for speaking, coaching, mentoring and consulting engagements.





What it means to Delay Gratification

What it means to Delay Gratification

Today I want to throw more light on a topic I find it vital to our success in life. Since the day I made a decision to study wealthy and successful people so I can learn from and tap from them, one statement they kept telling me whether in books, at seminars or in-person is to delay gratification.

What is delay gratification?
What does it mean to delay gratification?

But before that, let look at gratification or instant gratification.

Instant gratification is a habit where you forgo short-term pain, and instead, indulge in fleeting pleasures that ultimately result in long-term pain. In other words, you find reasons ( excuses ) not to do something because of the pain it creates at the moment even though you know that this action is necessary to help you attain your long-term goals and objectives.

Instant gratification often manifests as procrastination. It’s a form of self-sabotage where you get caught up indulging in the temptations of life at the cost of your long-term goals.

It’s where the pleasures of the moment just seem so much more enticing than the temporary pain you’ll experience while in the pursuit of your goals.

Now to the main topic; What it Means to Delay Gratification

Delayed gratification is a habit where you forgo short-term pleasure (comfort) in order to gain significant long-term pleasure and future rewards. In other words, you ward off short-term temptations that might distract you from your long-term goals and instead focus on what you need to do to achieve your desired long-term outcomes.

This might, of course, result in short-term pain and suffering. However, this pain comes with the realization that it’s only temporary. It’s therefore, necessary as it helps you get to your ultimate destination.

Getting into the habit of delaying gratification gives you more control over your life, decisions, and actions. Furthermore, it helps you value and appreciates hard work and effort. Yes, things are tough right now, but the pain you experience is a necessary part of the process to help you achieve your long-term goals.

The act of delaying gratification helps to strengthen your mind and shape your character. It builds self-control and willpower, reinforces self-discipline, and teaches you about the value of patience. It’s the one habit that determines how successful you will become and how much you will ultimately achieve.

In your financial life, learn to plan for the future. Delaying gratification is one thing that will help you save and invest towards the future. Let your current age take care of your old age. Delay gratification today!

By; Peter Kwadwo Asare Nyarko
Financial Educator, Author, Entrepreneur. Co-founder, Center for Financial Literacy Education, Africa (cfleafrica.org)

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CJ Biggerman Drops New Banger dubbed “Chucku Chucku” featuring Erza Tamaa

Ghanaian rapper CJ Biggerman releases a new banger dubbed “chucku chucku” featuring Ezra Tamaa which will surely get you grooving.

“Chucku chucku” literally means to penetrate. In “chucku chucku” CJ Biggerman talks about a lady he is seriously crushing on and that he wants to be more than just a friend. After her approval, he would like to “chucku chucku”.

“Chucku chucku” is a new term for the guys who are seriously crushing on ladies.

The song was produced by ugly onit.

Download, Listen and share

Follow CJ Biggerman on social media


Twitter: https://twitter.com/cjbiggerman


Youtube: https://www.youtube.com/channel/UC778zasDQR3BghYk32Vv9Aw

Farmart Ghana launches FarmartZero to help fight Foodwaste

Ghanaian agritech startup Farmart has today launched FarmartZero to help farmers fight food waste to contribute to achieving zero food waste and zero hunger through technology.

One third of global food produced never makes it further than the farm, largely because its appearance does not meet the standards of consumers who reject ugly or imperfect looking produce. However, a quarter of the food lost or wasted each day would be enough to feed the hungry people in the world to achieve zero hunger. Reducing food loss and waste is critical to creating a Zero Hunger world and reaching the world’s Sustainable Development Goals (SDGs), especially SDG 1 (End Poverty),  SDG 2 (End Hunger) and SDG 12 (Ensure sustainable consumption and production patterns). FarmartZero helps reduce foodwaste by upselling them to interested charitable organisations, food processors and organic fertiliser companies.

“In our work with helping farmers have access to ready market and reduce post harvest, we realised we often reject some farm produce largely due to their imperfect appearance to meet the freshness standard of our cherished customers. FarmartZero will help farmers sell these ugly or imperfect produce whiles helping consumers save more on food purchased since they are much cheaper compared to the good looking produce” said Farmart founder, Abraham Omani Quaye.

Customers may simply visit the FarmartZero page to send their request for foodwaste. Once the request is received, customers will be contacted to schedule the supply.

About Farmart Ghana

Farmart is the top online farmer’s market in Ghana that links farmers to homes and businesses in a whole new smart way. They do this by sourcing fresh produce and groceries from farmers and deliver to homes and businesses when an order is placed on the website www.farmartghana.com. Customers can shop all their fresh farm produce and groceries right online at the comfort of their homes or offices and have them delivered on the same day anywhere in Accra, Tema or Kasoa by well trained delivery personnel. Nationwide delivery is also now available to anywhere in Ghana.

itel Releases S15 and S15 Pro Smartphones to Ensure the Best Selfie Experience in Low Light

itel, a leading mobile phone brand committed to providing budget-friendly, high-quality products boasting excellent user experience, has today announced to launch its latest Selfie series smartphone S15 and S15 Pro 16th of August 2019 at the Kempinski Hotel Accra, in order to bring the best selfie experience to the consumers.

Here are some key features of the S15 and S15 Pro

Waterdrop FullScreen Brings a Boundless Horizon in the Palm of the Hand

S15 and S15 Pro adopts the elegant waterdrop fullscreen design. With the 2.5D glass covering, its slight curvature at the edge of the glass display makes the screen more exquisite and more comfortable for one hand operation. The19.5:9 display of both devices allows users to see more, enjoy a bigger vision when watching videos or playing games.

Capture Precious Moment with the Camera of S15 and 15 Pro

The S15 Pro comes with AI triple camera and dual camera for S15. The 8MP main camera helps to capture clear photos, the assistant cameras to create bokeh effects and detect the scenario in order to output a perfect shot. The AI scenario detection function of S15 Pro supports up to 12 different scenarios includes portrait, food, flower, pets and text..etc.

The AI camera is able to identified texts on the picture and editable texts, supports print recognition such as newspapers and business card, which helps to increase efficiency of text entry and timely record important information.

Enjoy the Best Selfie Experiences with the Enhanced Features

For front camera, both devices are 16MP and comes with different features to ensure a good quality selfie in low light and capturing most dedicated facial details including:

  • 4-in-1 Big Pixel technology – Sensor to take in more light for a better quality and brighter shots
  • Screen Fill Light technology – Provides softer and more balanced light source than selfie flashlight to create radiant selfie moments at any time of the day
  • AI Face Beauty 3.0 – Able to identify user’s facial details, skin tone and lighting environment to add beauty effects tailored to user’s individual facial details

Be Empowered by the Powerful Performance and Long Lasting Battery

Both devices are packed with 3000mAh big battery with Power Master, it helps to freeze inactive apps and reduces excess caching automatically to save more power that allows users to play and take selfie without worrying about running out of power.

S15 Pro is a 4G LTE smartphone powered by 2GB RAM+32GB ROM octa-core, 1GB RAM+16GB ROM and qual-core for 3G smartphone S15, ensure a faster and smoother experience and more storage available.

Double Security to Further Protect User Privacy

In order to further protect user’s privacy,  S15 and S15 Pro have been upgraded and will come with face unlock and 8 functions fingerprint unlock.

Privacy is one of the key concerns of consumers, the LiveNess Mode on both devices will provides further protection of users’ privacy by bio-detection. Users just need to turn on the LiveNess Mode which requires users’ to eye blinks for authorization to unlock, it helps to prevent other people using portrait of the user to unlock the phone.

Both devices also come with the Screen Fill Light function, allows user to use face unlock even in low light condition.

Experience the Google Gallery Go App on S15

Featuring the new Gallery Go and S15 is the world’s first smartphone to pre-install this brand new offline gallery app from Google. It present a number of benefits to consumers including:

  • A light and fast gallery optimized for Android Go smartphone
  • Smarter storage – Easily find*, manage and storage photos on the device
  • Easier editing – Make user’s photo look their best with auto-enhance

itel S15 and S15 Pro will be rolling out in August throughout Africa and SEA market. According to the Digital and Communcations manager for itel GhanaMr,Michael Tuekpe,  itel will continue to understand its customers and produce fashionable and quality products like the S15/S15pro.  

About itel

Established in 2007, itel is an entry level and reliable mobile phone brand for everyone. Adopting “Join Ÿ Enjoy” as its brand philosophy, itel’s mission is to provide budget-friendly mobile communications technology to everyone. It democratises technology by giving entry to technology and connectedness to consumers without prior access to it, allowing them to get closer and benefit from their social connections. After more than 10 years’ development, itel has expanded its presence in around 40 emerging markets globally. itel has a product portfolio of smartphones, tablets and feature phones and in 2017, it achieved a landmark sale of more than 77 million devices globally. African Business, an authoritative business magazine in Britain, has ranked itel 17th in the  2018/2019 TOP 100 MOST-ADMIRED BRANDS IN AFRICA ranking. For more information, please visit: http://www.itel-mobile.com/global/

PHOENIX Home Care Agency

As life expectancy increases in most countries due to a better quality of living, increased health awareness and other factors, there is a growing demand for home healthcare service providers. We, therefore, provide a variety of home healthcare services in the comfort of the client’s home. Our service range from medical, psychiatric and geriatric care.

Phoenix Home Care Agency is a strong player in the home care industry and we are working hard to become the leader in providing home healthcare in this country and beyond. In this line of work, we understand and uphold the value of respecting diversity in our clientele. No matter how unique the care needs of the clients are and how different their cultural background may be, we always strive to provide first-rate services in each case that we handle.

We also support our clients’ right to be informed and to exercise their freedom of choice regarding their care. We recognize that being friendly, compassionate and courteous is just as important as addressing the total healthcare needs of our clients. We are grateful for your time and the opportunity to share with you about our company and what we do.



We provide home nursing care for individuals living with Stroke, Diabetes, Wounds, Cancer, Injuries, Chronic Illness and those who are…


We care for the aged who have or exhibit signs of Depression, Alzheimers, Parkinson’s, Dementia, Sleep Disorder, etc….


We help manage clients with psychiatry needs, such as ADHD, Autism, Mental Retardation, General Learning and Intellectual Disability, Tourette’s…


We accompany our clients in their visitation to hospitals, within Ghana and abroad. We help them go to the…


We perform activities of daily living (ADL) such as bathing, toileting, grooming, oral care, assisting in mobility, serving medications…


We accompany our clients to the most environmentally friendly recreational facilities for them to benefit from the therapeutic effect…


  • Monitoring Clients Progress at Home.
  • Hospital care.
  • Physiotherapy.
  • Accompanying Patient Abroad.
  • Health Education for Organizations and Schools.
  • Drug Detox.
  • Drug Rehabilitation.
  • Drug Treatment and Counselling.
  • Outreaches on how to Prevent Drug Addiction.


  • Nursing Psychiatric Patients at Home.
  • Administration of Medication (e.g injection, tables) at Home.
  • Management of Physical Aggression
  • Transporting Patient to Psychiatric Hospital.
  • Psychotherapy/ Counseling.
  • Psychiatric Consultation.


  • Once a month visit
  • Once in two weeks visit
  • Four hour daily visits
  • Six hour daily visit
  • Twelve hour daily visit
  • 24hour daily visit or live-in service


We also have tailor-made duty hours which is planned together with the patients and their relatives to allow the care to be provided with ease.


PHOENIX HOME CARE AGENCY is an accredited home nursing and healthcare, service provider. Over the past 6 years, we’ve provided home healthcare services to individuals and groups with diverse health challenges in the comfort of their homes. We are healthcare professionals with a passion for providing healthcare assistance to people with diverse health challenges who also require healthcare assistance in their homes.

We come in to provide the needed health logistics and human resources to ensure continued quality care. Our operations are designed to provide a one-stop-shop for home healthcare services and tailor-made interventions to suit each client while working closely with the client’s physician.

How to Keep Your HR Department Running Smoothly

The human resources department can serve as the nucleus of your business. 

Yet, as much responsibility will be placed on your HR team every day, you must look for ways to take the pressure off their hardworking shoulders.

After all, they will be responsible for maintaining a positive company culture, protecting your employees’ wellbeing, and growing the business. 

While they might have many tasks to juggle, there are various processes and forward-thinking technologies that could support their day-to-day duties.

Read the below helpful advice on how to keep your HR department running smoothly.

Welcome Employee Feedback

As mentioned, the human resources department is responsible for your company culture and employee wellbeing. By welcoming employee feedback, your staff members will have an opportunity to discuss their issues or worries. 

By understanding your staff members’ problems or frustrations, the HR team can improve productivity, retain the company’s best employees, and develop a harmonious environment for every member of staff. 

So, set-up anonymous feedback forms to allow employees to discuss their concerns without fear of repercussions, and create an open-door policy to allow staff to meet with the HR team at their leisure to discuss an internal conflict or their career goals.

Find the Best Technologies

There are various technology tools that could become your HR team’s best friend. To run a more efficient department, you should invest in a HR and payroll software solution from peoplexcd.com, which will allow your team to store your data and complete processes in one location. It can, therefore, reduce internal errors, simplify complex processes and increase output. 

Create an Informative Employee Handbook

To prevent conflict or misunderstandings in the workplace, request your HR team develop an informative employee handbook, which should address the following topics:

  • The company culture
  • Employee etiquette
  • The dress code
  • Attendance policies
  • Expenses procedures

The employee handbook will provide your new and existing staff with a point of reference, which can prevent your HR staff from dealing with endless questions, so they can focus on more pressing tasks. However, ensure your staff know the department’s door is always open if they have any questions or concerns, which can prevent low morale.

Run a Paperless Office

If you have yet to invest in innovative cloud solutions and HR portals, you are making a big mistake. It is likely your HR staff are spending their days rummaging through various filing cabinets and boxes to find the document they need. Plus, they might need to spend a great deal of their time organizing paperwork in your filing cabinets and uploading documents onto a computer. 

To take the hassle out your staff members’ working day and improve efficiency, you should develop a paperless office. So, say goodbye to filing cabinets and store all your important documents in the cloud, which can help to safeguard the planet. Don’t forget to create an external backup of all sensitive data to avoid data loss and protect your business from various cybersecurity threats.

How to Prevent Your Crypto Wallet From Being Hacked

cryptocurrency wallet

Nowadays, cryptocurrency is showing up in numerous industries. Though we cannot tell anything for sure, the latest predictions of crypto experts sound rather optimistically: in the nearest future we’ll be able to pay in crypto for the groceries, enjoy our favourite online games on the websites and even complete tax payments with cryptocurrency.

Still, there are lots of details to consider while preparing for this financial future. You may want to read up on how blockchain technology works, discuss it with experts and equip yourself with a secure cryptocurrency wallet. In this article, we will touch on one of these topics. Here, we’re going discuss what a crypto wallet is and what the best ways of preventing it from being hacked are.

What is a crypto wallet?

The decentralized nature of cryptocurrency implies that there are no banks and therefore no bank accounts. In the world of crypto, you must become your own bank and bank manager. Instead of letting a bank store your fiat currencies, you keep your digital currency in a storage known as a crypto wallet. Similar to fiat currency banking, there are several available options. Instead of choosing between banks and accounts, you choose between providers of a specific product – a cryptocurrency wallet.

Preventing Hackers from Accessing Your Crypto Wallet

Choosing a crypto wallet that is highly secure is the first step in preventing hackers from gaining access to your wallet and stealing all your digital coins. However, you too take your share of responsibility. To make sure that the wallet remains bulletproof and unhackable, follow the tips listed below – they will help to keep your cryptocurrency safe.

Avoid public WiFi

Hackers often lurk on public WiFi connections because they can carry out different types of attacks to find cryptocurrency. One of the biggest problems is that your devices may connect to public WiFi without even meaning to. Just walking past a Starbucks you become prey for hackers. The safest thing to do is to keep your WiFi switched off or to purchase a dongle. This small trick has the potential to save you thousands at some point.

Use two-factor authentication

Two-factor authentication can serve as another line of defense if someone does have access to your passwords. However, unlike other two-factor authentication protocol which usually relies on SMS or emails, this is not the best solution. If tech-savvy hackers located your password, they are probably able to breach your email security and divert SMS too. A non-syncing application may be better in these scenarios.

Make sure your e-mail is secure

It is imperative that a secure e-mail service is employed. There are several all encrypted service providers like ProtonMailTutanota and Hushmail which offer you a better defense against the attempts to breach your inbox. Their encryption allows reading the e-mail only to its sender and receiver.

Be cautious when downloading

Downloading files from popular online hangouts such as Reddit, Facebook and even cryptocurrency forums is quite dangerous. These files may include malicious malware that reads your keystrokes or even shares your screen with hackers. Just don’t take the risk and install the best online security software to counter these threats.

Handle your private keys carefully

Crypto wallets come with private keys as a type of password. If you can remember these keys then great, but most of us will forget them at some point. The solution is to never keep them written on your computer. Instead, put them down and keep them stored in a locked drawer at home or in your usual safe place. Keeping them on devices is a potential security threat.

Living by these five rules will help you protect your cryptocurrency investment.

Source: https://guarda.co/

Kuami Eugene lands ambassadorial deal with iTel Mobile Ghana

Pace setters of affordable and quality mobile phones in Ghana, itel
Mobile Ghana, has signed a one-year contract with young celebrated
musician Eugene Kwame Marfo popularly known in showbiz as “Kuami Eugene” as their brand

The signing ceremony took place on the 4th of July 2019 at the Transsion Head office at Circle. Present at the contract signing was Kuami Eugene himself, some of the Lynx crew and the itel team.
According to Kuami Eugene, he is extremely excited about the whole
ambassadorial deal and he believes with his huge fan base and
activeness in the industry, he will go a long way to usher the brand
into an amazing pedestal.

In an interview with the digital marketing and communication manager
of itel Ghana, Michael Tuekpe, below is what he had to say;

‘’We all know about the sleek and quality phones produced by itel
Ghana, hence we needed someone who can match up that trend and there
was no one other than Kuami Eugene who is not only a hard working gentleman but also
loved and inspired by the youth of Ghana. We believe he can assist us
reach the youth with our useful products’’

Meanwhile itel Ghana will launch its new flagship mobile phone in the selfie series soon
which they believe will do exceptionally well in the market considering Kuami Eugene now being an ambassador to the brand and the product to be launched.

WhatsApp’s New Update Will Ensure You Don’t Send Pictures To The Wrong Contact

whatsapp new updates status

We all have accidentally sent pictures to contacts we were not supposed to on WhatsApp. And thankfully, the popular messaging app is now rolling out a new feature that can save you from this goof-up.

A new WhatsApp update is on the way for Android which will help a user double check the name of the contact to whom they want to send images to before hitting the send button.

Now, you will be spared of the embarrassment of your pictures ending up with somebody they weren’t meant for. Currently, the app shows the image of recipients in the top left-hand corner of the screen when an image is being selected and edited by the user. This new update will be a more productive substitute rather than the need to delete sent messages and arousing confusion to the recipient.

The update, which is currently running for the WhatsApp Android Beta version, will show you the media recipients’ name below the caption in the screen so that the users can be sure whom they’re sharing their pictures, GIFs and videos with

Apart from this update, WhatsApp has also added the Picture-in-Picture feature. This will allow users to watch videos with the app running in the background, allowing users to switch chats and apps while the video in playing. Both these features are a part of the latest 2.18.301 beta update of WhatsApp for Android. There is no information provided as to when the update will arrive on iOS.

Over the years, WhatsApp has had some interesting updates. The messaging app has also limited the number of text forwards, in an effort to curb the spread of fake news. The company recently announced that it will take legal action against those who use the app for sending automated spam messages. The Facebook-owned application will also start showing ads in the Status tab starting from next year, similar to Instagram Stories.

Source: in.mashable.com