Let me repeat what the late Pastor Zivanai D. Manyika (one of my great mentors & friend – ZD) taught me. I was a young lawyer with many accolades and more blind spots. I was very sure of many things and knew a lot less than I thought.

We have countries, communities, families, individuals, churches, mosques and NGOs that live way beyond their means. All of us owe emotional, nutritional, spiritual, cultural, professional, physical, intellectual, relational, familial and financial debts. Every dimension of life demands of us a price, certain risks and sacrifices. It demands that we give or give away somethings in order to receive other things or factors of greater value.

You see, many things that parents and mentors say to you only make sense much later in life. One thing I did though, was that I listened to all my mentors attentively. Each of them was like seasoning of a different type. Some were honey, others chilli 🌶 , others garlic or ginger. Mentors help to chisel characters.

ZD would hold his head in hands and say in a deeply reflective manner: “Baba, in Life, if there is any price, risk or sacrifice for anything – pay it upfront….. no matter how costly or painful it may seem. Delay or procrastination costs much more”. It only made partial sense then as ZD spoke. When I was on my own, a stream of contradictory thoughts would race through my head. Sometimes I would ask myself kuti ‘surely, if you cannot afford something that you want immediately, you simply buy it on hire purchase’.

Why choose the hard path when there are plenty easier options? I always thought. The country (Zimbabwe) was prosperous then and many young professionals lived LaVida on borrowed (hire purchases) clothes, cars, household furniture,etc. ZD insisted and I listened to his difficult, challenging & indigestible wisdom & instructions: Pay Upfront, Pay Now or Pay Soon!

As a result, I avoided unnecessary debt and when I look back, I also avoided unnecessary future pain, suffering & loss by paying for many things upfront ( be it career, studying, working hard, reading, friendships,etc). I still do!

Here are the reasons why:

1. Some of your present pain, your condition, your losses, your struggles etc is as a result of costs that you deferred payment or refused to pay when it would have been less painful to do so! It is about personal growth needs & imperatives that you tried to avoid, evade or ignore! Your pain is the outcome of both CHOICES that you made and those that you deferred or outsourced (to lovers, friends, parents, relatives, workmates or Comrades) .

2. Some of your stories of survival, your relationship Wahala/Nyayas/matata/shida (trouble) and the mess that you blame other people for are truly things you have repeatedly refused to risk, sacrifice or simply change. You want everyone, everything and even God to change to your own selfish, childish, delusional and unsustainable image of life. All legitimate victory comes after battle or competitition, preparation and some significant measure of pain, loss, discomfort, inconvenience. My brother, my sister, my friend, Comrade – pay the cost now! Risk and sacrifice now!

3. You substituted playing/fun for studying in high school or university and you think that you are cursed or have bad luck? No, you have a bad attitude, poor sense of priorities, are undisciplined, lazy or you just feel too sorry for yourself! You may even be delusional or simply carry a silly sense of entitlement! Lose it quickly, I mean -that toxic silliness!

4. THINK : about the seemingly menial job you were unwilling to do, the extra school work or degree you thought you could always do in the future, the business that you did not have the discipline and focus to sustainably build ; the course on language, coding or whatever that you despised or deferred? Ultimately, You will pay with the poor quality of life and diminishing opportunities.

Unfortunately, no amount of Prayer or lucky charms, no Blesser, Prophet, Marabou nor Sangoma can make you to totally avoid carrying your own cross.

Pay Now!

There are people who never had the opportunities for education, self-development, career advancement, and beneficial self-employment because they were too poor to afford these or were discriminated against by the system and so on and so forth – BUT You, your Case is different! You decided or failed to decide!

5. If you don’t read, learn and act now when you have the time, strength & opportunities – you will be forced by life to do so when neither time, strength nor opportunity are available. It is called sacrifice of Foolishness! Please Pay Now !

6. If you do not practice depriving yourself certain conveniences, comforts and privileges, you will unnecessarily suffer later on in life. It is as true for drink/food/diet choices and disease outcomes, as it is for hardwork and professional development. Practice pain and suffering (walk, run, jog, go to the gym, learn a new language, learn to drive, to fly, to swim, to sing, to play an instrument well, learn to cook, to code, to build, to make something with your hands, to write, to analyse….whatever). PayNow!

Avoid paying the prices of life with exorbitant interest rates in the future!

7. If you get away with lying about people, things and places and people believe your nonsensical lies (play-acting or pretense); change quickly when there is still time. There are places where your lying will not work for you, where playing naive or victim will have absolutely no currency at all. There are places and times where and when your lack of integrity and accountability will cost you everything! STOP talking BIG or pretending that you’re at levels that you are not at or that you are an expert on stuff that you know very little about . PUT substance to your posturing: study, read and enskill your passio!

8. If you’re the lazy type that gets siblings, parents, friends, workmates and strangers to do all the work – so that you can steal their work, efforts or credit: Change! Start working, thinking and doing. If all you have ever had to do until now was to turn on your charm volume & taps, there are places where charm and PR are not enough. Places where people want something meaningful and substantive beyond a feel good moment or a truckload of clichés and platitudes. There are places where your laziness or hollowness will take centre-stage and a big spotlight will be shone on it. No amount of English or French or good accent will suffice. These are places where your cleverness and smart posturing will make you look like the platinum standard of world foolishness!Please pay now!

9. Life is not waiting for you to grow up, to become more responsible, to mature beyond acquisition of things, positions and titles.

10. Peoples’ lives, time and everything else is moving on ! So, if you were the village( township or suburb) beauty or diva …move on !

11. If you were the high-school (or University) hero or genius, reference point of excellence and achievement, pathfinder, pacesetter, first this or that -move on ! If you were the most sought after, wanted, intelligent, handsome, powerful or sexy – Move on!

12. Grow up: set and achieve new milestones and everyday/year/decade successe, build new memories, create new value, push yourself to become the best version of your self as of today and not yesterday!

13. PIn Your Life: if there is any PRICE, COMMITMENT, SACRIFICE or RISK that requires doing or paying : PAY UPFRONT!
Deferred cost, living Life on hire purchase means that you will pay a lot more. Sometimes you may even have to pay such deferred costs with your Life, your health, your job and your relationships. Don’t be foolish – pay upfront for your needs, desires, ambition and vision.