Some days are really heavy, but you have to survive. #Knowledge #Utom58 #De_NextVerYou

Getting Money Is One Thing… But Knowing How to Manage It? That’s the Real Power. Getting Money is Easy… Keeping It? That’s Where the Game Is. You don’t need millions to grow wealthy — you need discipline, direction, and a plan. Here are 10 no-nonsense money management tips to help you stop going broke even when you're earning: --- 1. Pay Yourself First Before you touch that paycheck, save at least 10%. Your future self will thank you. 2. Track Every Shilling Know where your money is going. Budget apps or a simple notebook can expose your silent money leaks. 3. Cut Emotional Spending Buying things just to “feel good” will leave your account feeling empty. Control the impulse. 4. Live Below Your Means Just because you can afford it doesn’t mean you should. Peace of mind > flexing. 5. Build an Emergency Fund Start with KSh 10,000. Life happens — don’t let one crisis wipe you out. 6. Set Money Goals Saving for nothing leads to spending on everything. Save with purpose: land, car, business, etc. 7. Invest Wisely Don’t let your money sleep in the bank forever. Learn to invest — even if it’s small. It grows. 8. Avoid Bad Debt Borrowing for lifestyle, not investment, is a trap. Know the difference. 9. Set Clear Financial Goals Saving without a goal is boring. Whether it’s a business, plot, or trip — give your money a mission. 10. Learn About Money Read books, watch YouTube, follow finance creators. Money grows when knowledge does. 11. Invest Consistently Don’t wait for millions. Start small — money working for you beats money just sitting. #nakupenda #Utom58 #De_NextVerYou #MONEY

Don't worry, God is always on time. #Nakupenda #Utom58 #De_NextVerYou

Things will not always go as planned, but even the unplanned can be beautiful. #nakupenda #Utom58 #De_NextYerYou #Quote

GOD is the GREATEST No allow anybody lie for you #grace #utom58 #De_NextVerYou

#Nakupenda #Utom58 #De_NextVerYou

Many of us MINISTERS LOVE the lord But don't FEAR the lord... #knowledge #De_NextVerYou #Utom58

Don't burn yourself to keep others warm. #knowledge #Utom58 #De_NextVerYou

Being alone really makes you realize all you got is yourself. #nakupenda #Utom58 #De_NextVerYou

The #1 Reason Most Relationships Fail” Hook: It’s not cheating. It’s not money. It’s THIS.” Poll: “Take a guess?” [Communication / Trust issues] CTA: “DM me #1 and I’ll send you the full breakdown + how to avoid it.”

If someone wants you in their life, will know exactly how to keep you. #knowledge #Utom58 #De_NextVerYou

#nakupenda #Utom58 #De_NextVerYou