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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

Stanley IceFlow Flip Straw 2.0 Water Bottle 24 oz | Built-In Straw for Travel and Sports | Lightweight and Leak Resistant | Insulated Stainless Steel | BPA-Free | Lupine Buy here: https://amzn.to/4mWRz7f About this item OUT WEST COLLECTION EXCLUSIVE TO AMAZON: The West is calling - discover our new Desert colors (Lupine, Blue Cactus & Sienna), only on Amazon. The Stanley IceFlow Flip Straw 2.0 Bottle features AeroLight spun-steel insulation that makes it 33% lighter than standard stainless-steel bottles. This featherweight design ensures easy portability without compromising on cooling performance, keeping your water refreshingly cold for hours. FLIP STRAW 2.0 LID: The Flip Straw 2.0 lid of this bottle is designed for convenience and speed. It comes with a larger drink opening and a built-in straw. Simply flip to sip, snap it shut securely, and slip the bottle into your bag or car cupholder for on-the-go hydration. LEAK-RESISTANT LID WITH REPLACEABLE SEAL: The Flip Straw 2.0 lid is engineered to be leak-resistant, ensuring that your beverages stay securely contained without accidental spills. The replaceable seal adds to the longevity of the bottle, allowing you to enjoy leak-free performance for extended periods. This thoughtful design feature enhances the overall usability and reliability of the bottle. DISHWASHER SAFE: Designed with user convenience in mind, the IceFlow Flip Straw 2.0 Bottle is dishwasher safe for effortless cleaning. Additionally, the new spout is removable, making it easier to clean for hygienic use every time. It’s the ideal companion for your active lifestyle, whether you're at the gym, on the trail, or commuting to work. BUILT FOR LIFE: Since 1913 we've promised to provide rugged, capable gear for food and drink, built to last a lifetime. It's a promise we still keep. Get this bottle from Amazon: https://amzn.to/4mWRz7f #chinosky #grace

Growsafe is DeFi with 3 products, that is solving real life issues. 1. GrowSwap: where you can swap/buy/sell over 400 cryptocurrencies. 2. GrowStake: where you can stake (invest) you USDT and get 7% returns monthly. 3. GROW: a token that will be listed soon. That will be used for payments across various platforms. Looking for where to invest join the GrowSafeapp now! #Knowledge #Growsafe #GROW #DeFi #staking #GrowsafeDeFi

A Barrow Pusher Became Rich After Public Insults and Abandonment Episode 1 The sun was merciless that afternoon, pouring its heat down like punishment on the busy streets of Onitsha. Chijioke’s skin was browned from years of exposure, his hands calloused from pushing his barrow through tight markets and uphill roads. He had just finished delivering a load of yams to a woman in Ose Market and was making his way back, tired but hopeful. Business had been rough, but today, he had made a little more than usual. It was enough to buy garri, sugar and a little amount to send to his mother in the village. As he paused by a roadside kiosk to buy pure water, he heard a voice he hadn’t heard in years — sharp, familiar, and once dear. “Is that not Chijioke?” the voice echoed. He turned, and his heart thudded. Ada. Beautiful, proud Ada. The same Ada he had once given his heart to in their village school. Now she stood radiant in makeup and fancy clothes, flanked by two other girls. He smiled awkwardly, lifting his hand in greeting. “Ada, long time—” She cut him off with a mocking laugh. “Chijioke! You still dey push barrow? Haba! Na wa o. Look at your mates! They drive cars, they wear suits. And you?” Her friends burst into laughter. One even took out her phone to snap a picture. A small crowd began to gather. Traders stopped. Bus conductors paused their chants. People stared. Chijioke’s heart sank. He felt like the ground should open and swallow him. “I used to like you before,” Ada continued, “but now I thank God I said no to you. See your life!” He stood rooted, too stunned to speak. The bottle of water slipped from his hand. His eyes burned with unshed tears, but he wouldn’t let them fall. Instead, he picked up his barrow slowly, nodded once, and pushed it forward. Each step felt like a hundred lashes to his pride. People whispered, others laughed, some just watched. It was the longest walk of his life. By the time he reached the edge of the market, his legs were shaking. He veered off the main road, found a quiet spot behind an abandoned shop, and sat on a broken cement slab. For the first time in years, he let the tears come. He cried for his dreams, for his shame, for his father who had died too soon, for the mother whose body was fading from sickness. He cried for being mocked, for being poor, for being helpless. But somewhere in the middle of the tears, a thought began to grow. What if this was not the end? What if her insult was a mirror showing him who he’d become — and who he could still be? The pain turned into fire. A quiet vow formed in his heart: They will never laugh at me like this again. #worldwide #africanfolktales #Discipline #nakupenda

Money does not matter in times like this, because money can't buy rest of mind##knowledge#

#AWESOMEGOD LESSON FOR TODAY You are either a creator or a consumer. A buyer or a seller. Its impossible to be happy if you are not productive and adding value to things and people around you. To be considered the best in your field, you don't need to be the best at any one thing. You need to be good at a variety of complementary and rare skills. That is why stacking high income skills is so important. Skills like negotiation, sales, communication, investing and risk assessment will take you far. And if you struggle/afraid to take risks, check your circle of friends. Change who you listen to all the time.

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Happy new week fam Here's my monday morning 🌞 Gem on health Your body is your first home. When you nourish it, it rewards you in ways money can’t buy: energy, clarity, and strength. Fitness isn’t a trend, it’s self-respect. Take care of your body It's very important 💯 I'll see you tomorrow morning for another amazing gem. #grace #health #LilyWealth.