What's the worst that could happen?
An issue of the Chidera Peters Dispatch
Hellooooo! 💃🏽 The first significant update is that registration for my upcoming women's event is now OPEN, and I'm so excited! Before making it public, I shared the registration link with those on the waitlist, including an exclusive discount. However, for being on this mailing list, you're automatically part of my inner clique and get a discount🎉. Use the discount code MONEYWIFE to get £5 off the ticket price. Hurry now and secure yours. Please don't say I never did anything nice for you 😂.
I had put out the AMA (Ask Me Anything) link in my last email and was pleasantly surprised that many of you asked questions. I will pick out a few and respond to them below. Maybe from now on, I will dedicate one email a month to answering questions.
Hello I am a doctor working in the Uk, I have been here for over a year now, but I don’t have a credit card, and I would like to have one in order to build my credit score. I am Nigerian, so I am not really used to the credit card practices, but I think it’s important from the information I have gathered, but I don’t know which to use. Can you please give some recommendations? Thank you.
Answer: Getting a credit card is one way to build a credit history in the U.K. However, ensure to use it in a chill manner, and a rule of thumb is not to utilise more than 30% of the credit card value; otherwise, it will indicate to lenders that you're highly dependent on credit. Regarding which credit card to get, there are some credit cards specifically for people with zero to little credit history in the U.K. These cards usually come with a low limit or high-interest rate. Here are a few you could look into:
Barclays forward credit card
Capital One Luma card
Marbles credit card
Amex credit card
There are other ways to build your credit score, including signing up on the electoral roll, paying your bills on time, taking out a phone contract etc. I hope this helps.
Hello, Chidera. Absolutely love this newly added segment. My question is, Have you at any point in your life have fear of putting yourself out there, generally? And if yes, how did you over come that fear?
Answer: It's funny you ask this because even right now, I still feel like I am not entirely putting myself out there. There's still hesitation on my part. But to answer your question, the answer is YES. One way I've overcome fear is just to start and avoid overthinking. I do this by quickly sharing an idea with someone who will hold me accountable to executing it or simply tweeting or making a post about it. That way, it's already out there, and I have no choice but to see it through🤷🏽♀️.
Another thing that has helped is asking myself what's the worst that could happen if I put myself out there. This question often makes me realise that the worst possible outcome is not a death sentence. For example, if I make this video and no one watches or likes it, what then? If the views are poor, what then? Nothing, life will go on, and I will look for ways to improve or figure out what I can do better. Also, we tend to overestimate how much people think or care about us - we worry a lot about what people will say or think when the truth is people have a lot of personal worries to deal with. Our self-judgement tends to get the best of us.
Lastly, the people I surround myself with also have a role to play in this. Most of them are goal-getters. I could randomly be scrolling and see that person X has done this thing she once spoke about, or person Y has made that content etc., and this inspires me to show up despite my fear, and that's why I'm very intentional about the people I follow online or let into my circle. I hope this helps.
This email is already long, so I'll stop here. I'll try to answer as many questions as possible, and I plan to answer some in videos, so follow me on Instagram if you don't already. And if you have any questions, you can ask anonymously.
🎉 Things I’m proud of this week
I showed up at the gym and worked out twice this week
I’ve been drinking at least 2 litres of water daily
I managed my stress levels this week
📹 New videos
P.S If you’re on the new app threads, we can connect here 🌝
Till next week, please stay hydrated, mind your business on Zuckerberg’s internet and use sunscreen.
-XOXO Chidera