a better you

One key to wealth is to retain some of your income. That means that if you earn 20,000 a month, make sure that by all means, you never spend all 20,000 in any month. But with rising inflation, with boredom, and with the development of sleeker toys, the temptation to …

A minimalist lifestyle is one in which we only use things that serve a purpose.That should go without saying? Well, not anymore.With unassailable changes in technology, we could get carried away in catching up or looking trendy. Over 10 years ago, I got my first android device. The Google Playstore …

Typically we use the word downsizing for companies laying off staff members for leaner and cheaper operations. After a while, the title morphed to right-sizing with the idea that staff strength gets bloated over time. Then the companies have to return to the right size.As it is with companies, so …

In Robert Kiyosaki’s Cashflow 101 game, one of the foundation points of the is that in life, anyone can be financially free irrespective of the level of income.Sounds theoretical?But it’s real. Growing up, I thought that every family owned their home because almost every family did own their home! Some …

Google defines a windfall as “a large amount of money that is won or received unexpectedly.” The keywords are large and unexpectedly. Windfalls are sweet. They bring ease and speed to life. 😁 With windfalls, some people buy houses and cars. Some people upgrade their lifestyles. Some people can fund …

Charity can be defined as “the voluntary giving of help, typically in the form of money, to those in need” (Google). I doubt if there’s any city in the world where there’s no one in need. Some people even choose to live on the streets when homes have been provided.From …

Just when I was rounding up my 1st degree in the university over 20 years ago, a book became popular. The book impressed our financial ignorance upon us.It was easy-to-read, informative and instructive. It defined asset and liability in a way we could relate with, different from how our accounting …

Today, many countries on earth are crying about rising inflation. They are talking about 40-year highs and 30-year highs. I told a British friend jokingly that the UK needs to come to Africa to learn how to manage high inflation.Inflation is when the total sum of a currency gets “inflated.” …

I have seen adverts that say that your phone is who you are. They imply that if you carry a big and good phone, you are big and good. Else? You are else. 😁Some adverts imply that the same applies to cars, shoes, houses, etc.A wealthy man once explained that …

Retirement refers to a season of life where we begin to step back from regular Work-life activities. And retirement planning refers to the planning that precedes this phase of life.Retirement Planning begins by looking at the time and times of life. It involves a mindset shift because many people still …