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03/07/2025

22 RULES TO STAY AHEAD OF THE GAME

1. **Privacy is your superpower.** What others don’t know, they can’t ruin. Keep your life close to the chest—people thrive on drama.

2. **Loneliness is part of the journey.** Embrace it; it’s an art form all its own.

3. **Remember, everything is temporary.** Life is fleeting, so stay grounded and humble.

4. **Everyone you meet is fighting a battle you know nothing about.** Be kind; it costs nothing.

5. **Your partner mirrors you.** Choose wisely. Seek out her values just as diligently as her looks.

6. **Your mental health trumps everyone’s feelings.** Be a little selfish here; it’s vital.

7. **You don’t need more time; you need fewer distractions.** Focus is your key to success.

8. **Guard your time fiercely.** Not everyone deserves a piece of it.

9. **Surround yourself with those who truly value you.** You shouldn't have to plead for respect and appreciation.

10. **Self-love is not selfish; it’s necessary.**

11. **Treasure those who lighten your load.** They are rare gems in this world.

12. **Choose your circle with care.** The right people uplift you; the wrong ones can drag you down.

13. **Peace of mind is invaluable.** Protect it at all costs.

14. **Stop chasing love; simply live your life.** The right person will come along.

15. **Seek those who embody that “grow together” mindset.** Lift each other higher.

16. **No regrets—just lessons learned.** Dust yourself off and push forward.

17. **Pursue someone proud to have you by their side.**

18. **Never surrender.** Everyone faces tough times; pick yourself up and keep going.

19. **If you feel drained, take a step back to recharge—don’t quit.**

20. **Sometimes, you need to disappear to return stronger.**

21. **Learn from the successes of others, but let their mistakes teach you wisdom.**

22. **Want to be happy?** Stop expecting anything from anyone; nobody owes you a thing.**

03/07/2025

WISDOM FROM RICH DAD.
From the book Rich DAD Poor DAD, by Robert Kiyosaki

1. Don’t work for money:

Rich don’t work for money. If you work for money, your mind will start thinking like an employee. If you start thinking differently like a rich man, you will see things differently. Rich works on their asset column, every dollar in their asset column is their hard-working employee.

2. Don’t be controlled by emotions:

Some people’s lives are always controlled by the two emotions of fear and greed. Fear keeps people in this trap of working hard, earning money, working hard, earning money, and hoping that it will reduce their fear. Secondly, most of us have the greed to get rich quickly. Yes, many people become rich overnight, but they have no financial education. So educate yourself and don’t be greedy or fearful.

3. Acquire assets:

Don’t buy liabilities on your way to financial freedom. People buy liabilities and think these are assets, but they are not. Many people buy luxuries first, like big cars, heavy bikes, or big houses to live in. But the rich buy assets and their assets buy luxuries. The rich buy houses and rent them, and they pay them for their Lamborghinis. The poor or middle class buy luxuries first, and the rich buy luxuries last.

4. Remember the KISS principle:

KISS stands for keeping it simple, and stupid. Don’t be too overloaded your mind when you are going to start your way to financial freedom. Things are simple and keep them simple. The simple thing to remember is assets put money in pocket and liabilities take money out of pocket. Always buy assets so they put money into your pockets. Know the difference between assets and liabilities:

Assets are anything that puts money in your pocket, like stocks, bonds, real estate, mutual funds, rental properties, etc. Liabilities are anything that pulls money out of your pocket, like your house, your car, debt, etc.

03/07/2025

Short and Spiritual Peace Quotes :
• "Peace begins with God within."
• "Be still, and know that I am God." – Psalm 46:10
• "Divine peace flows through me."
• "God is peace, and where He dwells, so is rest."
• "In His presence, I find my peace.

03/07/2025

"Peace does not mean to be in a place where there is no noise, trouble, or hard work. It means to be in the midst of those things and still be calm in your heart." – Unknown

03/07/2025

How My Mom Became Our Home’s Breadwinner
Growing up, I always thought my dad would be the provider forever. But life has a way of changing roles and reshaping heroes.
It started when my dad lost his job. At first, we all thought it was temporary. Weeks turned into months, and slowly, fear began to creep into our small living room. But while the world seemed to pause, my mom stepped forward.
She had always been in the background—quiet, strong, and supportive. But in that moment, she became the fire that kept us warm. She started baking at home, waking up before dawn to make fresh mandazis and samosas to sell. She’d go to the market, carry heavy bags, smile at strangers, and still come home with enough energy to check our homework.
Soon, people in the neighborhood knew her name—not just as “Mama Essy,” but as the woman who never gave up.
Bit by bit, her hustle grew. She learned how to use WhatsApp to take orders, even taught herself some English phrases to talk to more customers. My dad eventually found another job, but by then, we all knew: Mama had become the breadwinner. Not just with money, but with courage, faith, and fire in her soul.
Now, when I look at her, I don’t just see my mom. I see a warrior. I see the backbone of our home.

23/06/2025

Hi I'm Missy

23/06/2025

How to Survive Hard Economic Times: Practical Tips for Everyone
Introduction
In today’s world, many people are feeling the pinch. Prices are rising, jobs are harder to come by, and the cost of living seems to grow faster than our incomes. Whether you’re a student, a parent, a worker, or just trying to stay afloat, hard economic times don’t spare anyone. But while the situation may be tough, survival — and even progress — is still possible.

This article shares real-life, practical tips that anyone can use to stay financially stable, reduce stress, and make the most of what they have.

1. Budgeting Wisely: Know Where Every Coin Goes
In hard economic times, the first step to survival is knowing exactly where your money is going. It’s not just about cutting expenses — it’s about understanding your spending habits.

Tips:

Track every expense. Even that small snack or mobile data bundle adds up.

Create a simple budget. Start with your income, subtract your needs (food, rent, transport), and see what’s left.

Cut non-essentials. This doesn’t mean no fun — it means controlled fun. A movie night at home can be just as exciting.

💡 Tip: Use free budget apps or just a notebook — whatever helps you stay aware and accountable.

2. Find Ways to Earn Extra Income
When your main income isn’t enough, finding a side hustle — however small — can make a big difference.

Ideas:

Freelancing or online gigs like writing, transcription, or surveys.

Sell what you don’t need. Clothes, books, electronics — someone else may value them.

Start small services. Laundry, tutoring, cooking, or delivery. There’s always someone looking for help.

“No job is too small in a big struggle.” Even a few extra coins help cushion the hard days.

3. Save Smart — Even If It’s Little
People often say, “I don’t earn enough to save.” But saving isn’t always about big amounts — it’s about building the habit.

Tips:

Start small. Even KES 20 daily adds up to over KES 7,000 a year.

Use locked savings or mobile banking features that reduce temptation to spend.

Join savings groups (chamas) where discipline is shared and goals are collective.

Think of saving as buying your own peace of mind for tomorrow.

4. Adjust Your Mindset: From Scarcity to Strategy
Mindset plays a huge role in how we respond to challenges. Tough times require mental toughness.

How to build it:

Focus on what you can control.

Limit complaining, increase planning.

Celebrate small wins — cooking instead of eating out, walking instead of paying fare — these choices matter.

“It’s not about being poor, it’s about being intentional.”

5. Lean on Support, Not Shame
You’re not alone. Struggling doesn’t make you lazy or a failure — it makes you human. Community and connection can help you get through more than money can.

Ways to seek support:

Talk to family or friends.

Join local groups, church fellowships, youth networks — many offer support or small opportunities.

Ask for help early, not when it’s too late.

One hand may struggle, but two hands can carry a load.

Final Thoughts
Surviving hard economic times isn’t about magic — it’s about discipline, creativity, and courage. Whether you’re earning little or nothing, what matters most is how you respond. By planning smart, spending wisely, and keeping your spirit strong, you can make it through — and even come out stronger.

23/06/2025

How to Save Money on a Small Budget: 5 Smart Tips for Beginners
Introduction
Saving money can feel both simple and difficult at the same time. How can you save when the little money you earn is already swallowed by bills, food, and other expenses? The truth is, even small savings can add up over time if you develop the right habits. In this article, you'll learn five smart tips to help you start saving, no matter how tight your budget is.

✅ Tip 1: Track Your Spending
You can't save money if you don't know where it's going. Start by writing down everything you spend in a notebook or using a free app like Money Manager. Once you track your spending, you'll notice small expenses that add up fast.
Example: I realized that data bundles were eating a lot of my money. Every time I wanted to check what's new online, I ended up spending more than I planned. Small daily habits like this can drain your income without you even noticing.

✅ Tip 2: Set a Small, Realistic Saving Goal
Don’t try to save too much at once—it will feel like a burden. Instead, choose a small amount you can commit to every week or month, like KES 50 or 100. The key is consistency, not the amount.
Personal insight: I’ve tried saving before… but I ended up “borrowing” that money for other things. I’d say, “It’s my money, you can’t beat me.” 😂 To avoid this, consider using a locked savings account or saving somewhere harder to access.

✅ Tip 3: Avoid Impulse Buying
Impulse buying means buying something unplanned—just because it looked good or felt like a good idea. These small purchases may seem harmless, but they add up.
My story: I once bought everything I needed for crocheting, thinking I’d make quick money. But I got bored and never used the materials! To this day, I wish I’d saved that money instead.

✅ Tip 4: Learn to Differentiate Needs vs. Wants
Needs are essential items (food, rent, school). Wants are extras (new clothes, entertainment).
True story: I had KES 800 and planned to buy a school bag, but I ended up buying a flashy dress instead. Now I still don’t have a school bag—but I do have that dress. 😅 Lesson learned: always prioritize needs.

✅ Tip 5: Use What You Already Have
Before buying anything new, ask: Can I use what I already have?
Examples:

Mix and match clothes instead of buying new ones.

Keep using your current phone if it's working fine.
Reusing and appreciating what you have can save a lot—and reduce waste.

📝 Conclusion
Saving money isn’t always easy—especially on a tight budget. But with small steps, smart choices, and discipline, you can make real progress. Learn from mistakes, avoid impulse buys, and use what you already have. Watch out, don’t fall—let’s save little by little. Every coin counts!

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