cheruiyotkb @cheruiyotkb
~ NSE ~ Insurance ~ Personal Finance ~ Retirement Planning ~ SACCO ~ Unit Trusts ~ abojani.com Nairobi, Kenya Joined October 2013-
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Develop a sense of urgency. When it comes to your finances. Start saving and investing today, because the earlier you begin, the more time your money has to grow. Don't procrastinate; your financial future depends on it!
Develop a sense of urgency. When it comes to your finances. Start saving and investing today, because the earlier you begin, the more time your money has to grow. Don't procrastinate; your financial future depends on it! https://t.co/h4VnO5sZDN
Waking up to dividend alerts, payment notifications, etc. lifts up your spirits. Also, ~When you can pay off your expenses. ~When you have different income streams. ~When you have more assets than liabilities. Money works for you when you build streams of passive income.
When you get your first job, make sure that the first couple of months payments are directed towards earning you a second income. Not to get you in debt because you quickly want to look like some of your friends or need to prove to the world that you are working. Level up…
When you get your first job, make sure that the first couple of months payments are directed towards earning you a second income. Not to get you in debt because you quickly want to look like some of your friends or need to prove to the world that you are working. Level up… https://t.co/heHZe7f1uh
Accelerate your financial wellness: 1. Avoid unnecessary lifestyle inflation and buy assets instead. 2. Pay yourself first - save/invest at least 20% of your income. 3. Invest in assets that grow in value - stocks, land, dollar funds, etc. 4. Improve your cash inflows by…
@cheruiyotkb Today jomba umesema uniongeleshe direct yaani you have addressed things that made me go down two years ago and I had to move from a 2 bedroom to a bedsitter of 6500 and I had to stop subscribing to Netflix and dstv because I wasn't using it other people had my logins
Buying liabilities instead of assets is one of the money mistakes people make. Buy things that pay you money. Buying materialistic things might be fun in the short term but has no long term value. It's advisable to acquire assets first then use them to pay for your liabilities.
It's completely normal for people in their 20's to feel the pressure - aging parents, diminishing circle of friends, career uncertainties, etc. Life isn't a race. Your journey is unique, and there's no expiry date on starting anew or pursuing your dreams. Keep pushing forward,…
The first step to change your financial situation and relationship with money is to acknowledge that you need to work on it.
The first step to change your financial situation and relationship with money is to acknowledge that you need to work on it.
You only value money when you start earning it. Handouts never solve your financial needs. If you are given Sh 100K without your effort, you are likely to blow it. If you are given Sh 100K after you work or do something, you will respect the money enough to spend it wisely.
In your financial independence journey, balance your present and future needs. You will never be 20 again. What was exciting at 20 will not make sense at 40. Create memories today while you invest for tomorrow. Assets are valuable but memories and experiences are invaluable.
Discover the art and science of wealth creation. Learn how to leverage your salary to build multiple income streams beyond your day job in @TheAbojani May 2024 Masterclass. #LevelUP Register today and begin your journey. Call/WhatsApp 0763 682 116 for further inquiries.
Discover how personal financing and investing can help you and your loved ones achieve your financial goals for the long haul by attending our online masterclass from 13 - 31 May 2024, 7pm. Learn different ways to keep and grow your money and increase your passive income.…
Every shilling you invest today buys time in the future so that you won't have to work in your old ages. Retirement is decided on age but it should be a number in your investment account. If your monthly expenses are Sh 60K, investing Sh 4.5M in a treasury bond with 16% annual…
Some of the most effective ways to grow wealth from your 20's, • Invest in your education • Learn and monetize skills • Allocate and manage money • Create more income streams • Focus on your personal goals • Plan and work long term goals • Reduce unnecessary expenses
Moe @moneyacademyKE
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1 Followers 7 FollowingYour salary is the motivation you receive to keep working. Without it, poverty is almost guaranteed for many from poor backgrounds. The idea is to use that salary wisely up to an extent that you will not rely on it alone. Don't blame the circumstances. Start with what you have.
If you are standing on a shaky resource base, never introduce yourself to a lifestyle you can’t afford. And never assume a lifestyle that is dependent on someone else’s money.
As you get older, it's advisable to plan for the future. Work on your career, save and invest money, and find a partner who shares your dreams. Don't waste time on things that don't matter in the long run. Focus on stability, loyalty, and peace of mind.
Black tax is so deep that when you marry someone, you marry their family too. This can bring resentment especially when one side of the family is benefitting more. The danger with this is that a new marriage may not be strong enough to provide for the extended family.
If you've just started investing in bonds, know that you don't become wealthy by investing Ksh 100K once. You repeat the process, over many months or years, until the returns are enough to cover recurrent expenses or buy other asset classes eg. real estate.
If you removed money from your friendships and relationships, 99% of phone calls would cease. The money we pretend not to worship affects how you are seen by friends and foes alike. No one tells you the power money has to strengthen, weaken, or destroy relationships.
My investing strategy is quite simple: Top up MMF, SACCO BOSA, and accumulate dividend stocks, every month; for the long term. Transfer Sh 100K every few months from MMF to new bond positions. That's all. It's boring, but it works. What's your investment strategy?
Being able to have money and not have a constant urge to spend it is the highest level of discipline and personal relationship with money.
You will never get to a point where you feel that you earn enough. If you don't start with the little that you earn, expenses will creep up and eat all your money no matter how much you earn. Saving, investing, and paying off debt is a matter of choice, not size of income.
√ You should always avoid loans. √ You need a lot of money to start investing. √ You are throwing your money away on rent. √ Buying a home is always a good investment. √ Investing is complicated and is for the wealthy. Challenge your beliefs about money!
Breaking the big tasks into actionable steps: Stage 1: - Cut expenses - Pay off bad debt - Create emergency fund Stage 2: - Invest in cash assets - Have a second income Stage 3: - Use interests to buy more assets - Have 3 income sources - Passive income equals 3 months' salary
Having an effective thought process around your money helps you ace your dreams, ~Save 10% in an MMF ~Use 50% on your needs & bills ~Spend 20% on debt repayment, wants & hobbies ~Invest 20% in sound investments for the future (stocks/ETFs, T-bills or T-bonds, SACCO, Real estate)
How to build a low-risk portfolio on Sh 70K net salary: As usual, we insist on 20% allocation to savings and investments, that's Sh 14,000. ~Put 9000 in an MMF ~Put 5000 in a SACCO BOSA End of year 1: MMF = 120,960 net average 12% SACCO = 67,200 net average 12% Total = 188,160…
Three things: 1. Make room for savings ▪️Maximize your income ▪️Cut unnecessary spending 2. Create a solid foundation ▪️Pay off bad debt ▪️Build an emergency fund 3. Build wealth ▪️Acquire assets ▪️Keep acquiring assets
No one is going to make your life better apart from yourself. Others may help you, but they won't completely fix your health, wealth, and knowledge. They have their own issues to worry about. Most of the time, you will be on your own. Chart your own destiny.
@Asamoh_ I would buy a 1.5M car, build a 3M house (assuming I have land already), and invest 3.5M in a treasury bond, to earn 280K every 6 months.
Ruthless financial teachers: ▪ Debt ▪ Poverty ▪ Marriage ▪ Unemployment Add more 👇
Two common problems in personal finance: Income without assets is a spending problem. Assets without income is an investing problem. The second one: some assets are only a store of value, others are cash flowing investments. Don't be asset rich but cash poor.
Develop a culture of buying "small things" in cash. Most things we buy will still be there at even lower prices if it takes four months of saving in a money market fund. Buying a sofa, fridge, or TV with loan? Really? Use credit for cash flow assets and upgrading your skills.