http://financialcoachingwithrhodakapilakabwe.mystrikingly.com/

Rhoda-Financial Coach, Kitwe (2026)

13/10/2026

𝗕𝗘𝗙𝗢𝗥𝗘 𝗬𝗢𝗨 𝗥𝗨𝗦𝗛 𝗧𝗢 𝗥𝗘𝗙𝗜𝗡𝗔𝗡𝗖𝗘 𝗬𝗢𝗨𝗥 𝗟𝗢𝗔𝗡, 𝗣𝗟𝗘𝗔𝗦𝗘 𝗥𝗘𝗔𝗗 𝗧𝗛𝗜𝗦.

The reduction in the MPR has opened up an important conversation about loans, interest rates and debt management.

But there is something we need to talk about. 👇

𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 𝗮 𝗹𝗼𝗮𝗻 𝗶𝘀 𝗻𝗼𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗮𝘀 𝗯𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗳𝗿𝗲𝗲.

Sometimes, refinancing can help you reduce your monthly repayments and create breathing room in your budget. But if you take that opportunity and immediately start borrowing again, you may find yourself back in the same situation — or even worse.

Before you refinance, ask yourself:

🔹 Am I refinancing to solve a genuine financial problem or simply because more money may become available?

🔹 Will my monthly repayments become more manageable?

🔹 What will be the total cost of the new loan, including interest and fees?

🔹 What changes will I make to ensure I don’t accumulate more debt?

🔹 Do I have a plan for the extra money I may have left after my deductions reduce?

𝗛𝗲𝗿𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗯𝗶𝗴 𝗹𝗲𝘀𝘀𝗼𝗻:

If refinancing gives you breathing space, use that space to rebuild your finances, establish an emergency fund where possible, and work towards financial stability.

Don’t use your financial breathing space to create another financial burden.

𝗧𝗵𝗲 𝗴𝗼𝗮𝗹 𝗶𝘀 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘆𝗼𝘂𝗿 𝗹𝗼𝗮𝗻 𝗲𝗮𝘀𝗶𝗲𝗿 𝘁𝗼 𝗽𝗮𝘆. 𝗧𝗵𝗲 𝗴𝗼𝗮𝗹 𝗶𝘀 𝘁𝗼 𝗿𝗲𝗮𝗰𝗵 𝗮 𝗽𝗼𝗶𝗻𝘁 𝘄𝗵𝗲𝗿𝗲 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝗱𝗲𝗽𝗲𝗻𝗱𝗲𝗻𝘁 𝗼𝗻 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝘁𝗼 𝗺𝗮𝗸𝗲 𝗶𝘁 𝘁𝗼 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗽𝗮𝘆𝗱𝗮𝘆.

See you on the winning side
Rhoda-Financial Coach

12/10/2026

𝗬𝗢𝗨 𝗖𝗔𝗡 𝗘𝗔𝗥𝗡 𝗠𝗢𝗥𝗘 𝗔𝗡𝗗 𝗦𝗧𝗜𝗟𝗟 𝗥𝗘𝗠𝗔𝗜𝗡 𝗕𝗥𝗢𝗞𝗘.

Imagine someone earning K4,000 a month. Life is difficult, and there is hardly anything left after paying bills. Then, they get a promotion, and their salary increases to K8,000.

They celebrate by moving into a more expensive house, buying better clothes, upgrading their phone, and increasing their spending. They also take on new financial commitments because they are now earning more.

A few months later, they are still broke before payday!

𝗧𝗵𝗲𝗶𝗿 𝘀𝗮𝗹𝗮𝗿𝘆 𝗱𝗼𝘂𝗯𝗹𝗲𝗱, 𝗯𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘁𝗿𝗲𝘀𝘀 𝗱𝗶𝗱𝗻'𝘁 𝗰𝗵𝗮𝗻𝗴𝗲.

Why? Because earning more money and managing money well are two different things.

Of course, some people earn more but still struggle because of debts, family responsibilities, and the rising cost of living. Not every financial struggle is caused by poor spending habits.

But where you have room to make changes, don't allow every salary increase to disappear into a more expensive lifestyle.

When your income increases, consider using part of that increase to pay off debt, build an emergency fund, or start investing.

You can enjoy your hard-earned money without spending every extra kwacha.

𝗟𝗲𝘁 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗴𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝘄𝗲𝗮𝗹𝘁𝗵, 𝗻𝗼𝘁 𝗷𝘂𝘀𝘁 𝘆𝗼𝘂𝗿 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀.

💬 LET'S TALK: If your salary doubled tomorrow, would your financial situation improve, or would your expenses simply double too?

See you on the winning side
Rhoda-Financial Coach 𝗥𝗵𝗼𝗱𝗮 | 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗮𝗰𝗵

11/10/2026

𝗠𝗢𝗡𝗘𝗬 𝗠𝗔𝗧𝗧𝗘𝗥𝗦 𝗪𝗜𝗧𝗛 𝗥𝗛𝗢𝗗𝗔 𝗞𝗔𝗣𝗜𝗟𝗔

𝗕𝗢𝗭 𝗛𝗔𝗦 𝗥𝗘𝗗𝗨𝗖𝗘𝗗 𝗧𝗛𝗘 𝗠𝗣𝗥! 𝗪𝗛𝗔𝗧 𝗗𝗢𝗘𝗦 𝗧𝗛𝗜𝗦 𝗠𝗘𝗔𝗡 𝗙𝗢𝗥 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬?

The Bank of Zambia has reduced the Monetary Policy Rate (MPR) by 250 basis points, from 13.25% to 10.75%.

But what does this mean for an ordinary Zambian?

𝟭. 𝗜𝗙 𝗬𝗢𝗨 𝗛𝗔𝗩𝗘 𝗔 𝗟𝗢𝗔𝗡:
This could create an opportunity for lower borrowing costs, depending on your bank and loan terms. Contact your bank to find out whether your interest rate or repayments could change.

𝟮. 𝗜𝗙 𝗬𝗢𝗨 𝗔𝗥𝗘 𝗣𝗟𝗔𝗡𝗡𝗜𝗡𝗚 𝗧𝗢 𝗕𝗢𝗥𝗥𝗢𝗪:
Don’t rush to take out a loan simply because the policy rate has come down. Borrow only when necessary and when you have a clear repayment plan.

𝟯. 𝗜𝗙 𝗬𝗢𝗨 𝗔𝗥𝗘 𝗦𝗧𝗥𝗨𝗚𝗚𝗟𝗜𝗡𝗚 𝗪𝗜𝗧𝗛 𝗗𝗘𝗕𝗧:
Use this opportunity to review your finances. Find out whether refinancing or restructuring your debt could help, but compare all fees and conditions first.

𝟰. 𝗜𝗙 𝗬𝗢𝗨 𝗔𝗥𝗘 𝗦𝗔𝗩𝗜𝗡𝗚:
Remember that interest rates on savings products may also change. Continue building your savings habit and compare available savings options.

𝗛𝗘𝗥𝗘 𝗜𝗦 𝗧𝗛𝗘 𝗟𝗘𝗦𝗦𝗢𝗡:
Economic changes can create opportunities, but your financial decisions determine how you benefit from them.

Don’t just hear the news. Understand it. Apply it. Make your money work more intentionally.

𝗥𝗘𝗠𝗘𝗠𝗕𝗘𝗥: A lower MPR is not a guarantee that every bank will reduce its lending rates immediately. Stay informed and ask questions before making financial decisions.

See you on the winning side
Rhoda-Financial Coach| 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 & 𝗣𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗖𝗼𝗮𝗰𝗵

08/10/2026

𝗡𝗢𝗧 𝗘𝗩𝗘𝗥𝗬 𝗡𝗘𝗘𝗗 𝗥𝗘𝗤𝗨𝗜𝗥𝗘𝗦 𝗔 𝗟𝗢𝗔𝗡

I once had a conversation with someone who had become so used to borrowing that taking a loan had become the first solution to almost every financial problem.

Something comes up?

“I’ll borrow.”

School requirements?

“I’ll borrow.”

A family member needs help?

“I’ll borrow.”

Something needs repairing at home?

“I’ll borrow.”

There was always a reason.

And to be fair, some of the needs were genuine.

But the problem was that the person was using future income to solve today's problems over and over again.

Every loan created another monthly repayment.

Every repayment reduced the next salary.

And because the next salary was already reduced, another unexpected expense would come—and another loan would be needed.

𝗧𝗛𝗔𝗧'𝗦 𝗛𝗢𝗪 𝗧𝗛𝗘 𝗖𝗬𝗖𝗟𝗘 𝗕𝗘𝗚𝗜𝗡𝗦.

The difficult part is that borrowing doesn't always feel dangerous at the beginning.

You borrow K1,000.

You manage to repay it.

Then you borrow another K1,500.

Then K2,000.

Eventually, you look at your salary and realise that a significant portion of it is already committed before you even receive it.

And then you start saying:

“My salary is not enough.”

But sometimes the bigger problem is that too much of your future salary has already been spent.

𝗧𝗛𝗜𝗦 𝗗𝗢𝗘𝗦 𝗡𝗢𝗧 𝗠𝗘𝗔𝗡 𝗔𝗟𝗟 𝗟𝗢𝗔𝗡𝗦 𝗔𝗥𝗘 𝗕𝗔𝗗.

There are situations where borrowing can make sense.

But borrowing should not become your automatic response to every financial need.

Before taking that loan, pause.

Ask yourself:

Can this wait?

Can I save towards it?

Can I reduce the cost?

Can I repair instead of replace?

Can I use something I already have?

Is this genuinely urgent?

And perhaps the most important question:

“If I borrow today, what will this repayment do to my finances for the next few months?”

Because the real cost of borrowing is not only the amount you receive today.

It is also the pressure you create for your future self.

𝗦𝗢𝗠𝗘𝗧𝗜𝗠𝗘𝗦, 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗗𝗜𝗦𝗖𝗜𝗣𝗟𝗜𝗡𝗘 𝗟𝗢𝗢𝗞𝗦 𝗟𝗜𝗞𝗘 𝗪𝗔𝗜𝗧𝗜𝗡𝗚.

Waiting until you have saved enough.

Waiting until the next payday.

Choosing the cheaper option.

Saying no to something you genuinely want because it doesn't fit into your budget right now.

And yes, sometimes it means telling someone:

“I would love to help, but I cannot afford to borrow money to help you.”

That doesn't make you selfish.

It means you are learning to protect your financial stability.

𝗗𝗢𝗡'𝗧 𝗟𝗘𝗧 𝗧𝗛𝗘 𝗣𝗥𝗘𝗦𝗦𝗨𝗥𝗘 𝗢𝗙 𝗧𝗢𝗗𝗔𝗬 𝗖𝗢𝗡𝗦𝗨𝗠𝗘 𝗧𝗛𝗘 𝗜𝗡𝗖𝗢𝗠𝗘 𝗢𝗙 𝗧𝗢𝗠𝗢𝗥𝗥𝗢𝗪.

Not every need requires a loan.

Some needs require planning.

Some require patience.

Some require a smaller solution.

And some simply require you to say:

“Not now. I will plan for it.”

Your financial goal should not be to have access to more debt. It should be to gradually create a life where you need less of it.

See you on the winning side
Rhoda-Financial Coach

06/10/2026

𝗗𝗢𝗡’𝗧 𝗦𝗣𝗘𝗡𝗗 𝗧𝗢 𝗜𝗠𝗣𝗥𝗘𝗦𝗦

There is a dangerous financial trap many people don't talk about:

𝗦𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆 𝘆𝗼𝘂 𝗱𝗼𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗶𝗺𝗽𝗿𝗲𝘀𝘀 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗵𝗼 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗲𝘃𝗲𝗻 𝗯𝗲 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂.

You buy the expensive outfit because you don't want to look “behind.”

You upgrade your phone because everyone around you has a newer one.

You host an expensive event because you don't want people saying you couldn't afford it.

You borrow money for a wedding, birthday, party or trip because you want everything to look perfect.

You drive a car you are struggling to maintain because you want people to think you are doing well.

But here is the question:

𝗔𝗳𝘁𝗲𝗿 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗶𝗺𝗽𝗿𝗲𝘀𝘀𝗲𝗱, 𝘄𝗵𝗼 𝘄𝗶𝗹𝗹 𝗽𝗮𝘆 𝘁𝗵𝗲 𝗯𝗶𝗹𝗹?

People will admire the outfit, but they won't pay your debt.

They will enjoy the party, but they won't fund your emergency account.

They will see the new phone, but they won't be there when school fees are due.

They may praise your lifestyle today, while tomorrow you are quietly asking someone for a loan.

𝗣𝗹𝗲𝗮𝘀𝗲 𝗱𝗼𝗻’𝘁 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗹𝗶𝗳𝗲𝘀𝘁𝘆𝗹𝗲 𝗳𝗼𝗿 𝗮𝗻 𝗮𝘂𝗱𝗶𝗲𝗻𝗰𝗲 𝘁𝗵𝗮𝘁 𝗶𝘀𝗻’𝘁 𝗿𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗹𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝘂𝘁𝘂𝗿𝗲.

There is nothing wrong with looking good, celebrating yourself, giving your family a beautiful experience or buying quality things.

The problem begins when 𝗮𝗽𝗽𝗲𝗮𝗿𝗮𝗻𝗰𝗲 𝗯𝗲𝗰𝗼𝗺𝗲𝘀 𝗺𝗼𝗿𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝘁𝗵𝗮𝗻 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆.

Learn to say:

“𝗜 𝗰𝗮𝗻 𝗮𝗳𝗳𝗼𝗿𝗱 𝗶𝘁, 𝗯𝘂𝘁 𝗶𝘁 𝗶𝘀 𝗻𝗼𝘁 𝗮 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝘆 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄.”

Learn to attend events without competing.

Learn to wear what you already have.

Learn to use your phone for another year if it still works.

Learn to celebrate within your means.

Learn to let people underestimate you while you quietly build.

Because sometimes 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗿𝗼𝗴𝗿𝗲𝘀𝘀 𝗹𝗼𝗼𝗸𝘀 𝗯𝗼𝗿𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗼𝘂𝘁𝘀𝗶𝗱𝗲.

It looks like saying NO to unnecessary spending.

It looks like paying off debt.

It looks like saving K100 instead of spending it.

It looks like building an emergency fund.

It looks like investing quietly.

It looks like choosing peace over appearance.

𝗗𝗼𝗻’𝘁 𝘀𝗽𝗲𝗻𝗱 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝗶𝗺𝗽𝗿𝗲𝘀𝘀 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗽𝗿𝗲𝘀𝗲𝗻𝘁.

Your goal is not to LOOK wealthy.

𝗬𝗼𝘂𝗿 𝗴𝗼𝗮𝗹 𝗶𝘀 𝘁𝗼 𝗕𝗘𝗖𝗢𝗠𝗘 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝘀𝗲𝗰𝘂𝗿𝗲.

See you on the winning side
Rhoda-Financial Coach

05/10/2026

𝗔 𝗹𝗶𝘁𝘁𝗹𝗲 𝗹𝗮𝘁𝗲, 𝗯𝘂𝘁 𝘁𝗵𝗲 𝗮𝗽𝗽𝗿𝗲𝗰𝗶𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗵𝗲𝗮𝗿𝘁𝗳𝗲𝗹𝘁!

To every teacher who patiently teaches, inspires, corrects, encourages, and shapes the next generation — 𝘁𝗵𝗮𝗻𝗸 𝘆𝗼𝘂

Your impact goes far beyond the classroom. You are 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗳𝘂𝘁𝘂𝗿𝗲𝘀, 𝗼𝗻𝗲 𝗹𝗲𝘀𝘀𝗼𝗻 𝗮𝗻𝗱 𝗼𝗻𝗲 𝗹𝗶𝗳𝗲 𝗮𝘁 𝗮 𝘁𝗶𝗺𝗲.

𝗛𝗮𝗽𝗽𝘆 𝗧𝗲𝗮𝗰𝗵𝗲𝗿𝘀’ 𝗗𝗮𝘆 to all the amazing teachers

02/10/2026

Public Notice: The Bank of Zambia wishes to announce the introduction of a 20-year Government bond. The Bank also wishes to advise that the frequency for Q4 will be one auction every fortnight for Treasury bills and twice per quarter for Government bonds.
Full Notice: https://www.boz.zm/news-detail/10f8558e-9e73-4bb9-a5f8-76e0f575cabb

01/10/2026

Small spending becomes big spending when you stop paying attention to it.

01/10/2026

𝗠𝗢𝗕𝗜𝗟𝗘 𝗠𝗢𝗡𝗘𝗬 𝗖𝗔𝗡 𝗛𝗜𝗗𝗘 𝗦𝗣𝗘𝗡𝗗𝗜𝗡𝗚

A client once told me:

“I don't understand where my money goes. I don't really make big purchases.”

So we looked at the transactions together.

There was no single transaction that looked alarming.

K30 here.

K50 there.

K20 for something.

K100 for transport.

K50 sent to someone.

K30 for food.

K20 for airtime.

Another K50 because someone needed help.

Nothing seemed serious.

Until we added them up.

𝗧𝗛𝗘 𝗦𝗠𝗔𝗟𝗟 𝗧𝗥𝗔𝗡𝗦𝗔𝗖𝗧𝗜𝗢𝗡𝗦 𝗛𝗔𝗗 𝗕𝗘𝗖𝗢𝗠𝗘 𝗔 𝗕𝗜𝗚 𝗡𝗨𝗠𝗕𝗘𝗥.

And this is one of the dangers of mobile money.

Because spending has become so easy.

You don't physically see the cash leaving your wallet.

You don't have to count the notes.

You simply enter a number, press send, and the money is gone.

And because each transaction feels small, we often don't treat it as serious spending.

K30 doesn't feel like much.

But if you spend K30 several times a day, several days a week, that K30 is no longer just K30.

𝗧𝗛𝗜𝗦 𝗜𝗦 𝗪𝗛𝗬 𝗬𝗢𝗨 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗧𝗥𝗔𝗖𝗞 𝗧𝗛𝗘 𝗦𝗠𝗔𝗟𝗟 𝗠𝗢𝗡𝗘𝗬 𝗧𝗢𝗢.

Especially:

📱 Airtime and data
🍔 Takeaways and snacks
🚕 Transport
💸 Small transfers to friends and family
🛍️ Impulse purchases
☕ Small daily treats
💳 Multiple small payments throughout the day

None of these things are automatically wrong.

The problem is when you are spending without knowing how much you are actually spending.

You may tell yourself:

“I only spent K50.”

But you may have spent K50 five different times.

And at the end of the month, you are wondering why you couldn't save.

𝗬𝗢𝗨 𝗗𝗢𝗡'𝗧 𝗔𝗟𝗪𝗔𝗬𝗦 𝗡𝗘𝗘𝗗 𝗔 𝗕𝗜𝗚 𝗜𝗡𝗖𝗢𝗠𝗘 𝗜𝗡𝗖𝗥𝗘𝗔𝗦𝗘.

Sometimes you first need to become aware of where the money you already earn is going.

Try this for the next 7 days:

𝗧𝗥𝗔𝗖𝗞 𝗘𝗩𝗘𝗥𝗬 𝗠𝗢𝗕𝗜𝗟𝗘 𝗠𝗢𝗡𝗘𝗬 𝗧𝗥𝗔𝗡𝗦𝗔𝗖𝗧𝗜𝗢𝗡.

Don't judge it.

Don't justify it.

Just record it.

At the end of the week, group your spending into categories and look at the total.

You might be surprised.

Because sometimes it's not the one big purchase destroying your budget.

𝗜𝗧'𝗦 𝗧𝗛𝗘 𝗦𝗠𝗔𝗟𝗟 𝗦𝗣𝗘𝗡𝗗𝗜𝗡𝗚 𝗧𝗛𝗔𝗧 𝗬𝗢𝗨 𝗡𝗘𝗩𝗘𝗥 𝗧𝗢𝗢𝗞𝗘𝗗 𝗔𝗧.

Mobile money is a powerful financial tool.

But convenience can also make it easier to spend without thinking.

Before you send that K20, K30 or K50, ask yourself:

“𝗜𝗦 𝗧𝗛𝗜𝗦 𝗣𝗔𝗥𝗧 𝗢𝗙 𝗠𝗬 𝗣𝗟𝗔𝗡, 𝗢𝗥 𝗔𝗠 𝗜 𝗝𝗨𝗦𝗧 𝗦𝗣𝗘𝗡𝗗𝗜𝗡𝗚 𝗕𝗘𝗖𝗔𝗨𝗦𝗘 𝗜 𝗖𝗔𝗡?”

Your money doesn't have to disappear in large amounts to affect your finances.

Sometimes, it disappears one small transaction at a time.

Track the small money. It adds up.

Happy new month family.

See you on the winning side
Rhoda-Financial Coach

30/09/2026

𝗬𝗢𝗨𝗥 𝗦𝗔𝗟𝗔𝗥𝗬 𝗜𝗦 𝗡𝗢𝗧 𝗬𝗢𝗨𝗥 𝗠𝗢𝗡𝗘𝗬 𝗜𝗙 𝗜𝗧 𝗜𝗦 𝗔𝗟𝗥𝗘𝗔𝗗𝗬 𝗖𝗢𝗠𝗠𝗜𝗧𝗧𝗘𝗗

I recently asked someone a simple question:

“When your salary comes in, how much of it actually belongs to you?”

Technically, the whole salary was theirs. But practically, most of it was already committed to rent, school expenses, debt repayments, family obligations, bills, and other promises.

So by payday, the money was not really new. It had already been assigned.

Many people work hard and earn a decent income yet constantly feel broke because every kwacha has a job. Increases are absorbed by new commitments, and unexpected expenses create pressure.

𝗧𝗛𝗜𝗦 𝗜𝗦 𝗪𝗛𝗬 𝗜𝗡𝗖𝗢𝗠𝗘 𝗔𝗟𝗢𝗡𝗘 𝗜𝗦 𝗡𝗢𝗧 𝗧𝗛𝗘 𝗦𝗔𝗠𝗘 𝗔𝗦 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗦𝗧𝗔𝗕𝗜𝗟𝗜𝗧𝗬.

Financial stability requires money that is not already spoken for—for emergencies, opportunities, future goals, and decisions that do not require a loan.

So when your salary arrives, do not only ask:

“What do I need to pay for?”

Also ask:

“What can I keep?”

If every kwacha immediately leaves your account, you may need more than a higher income. You may need to create more space in the income you already have.

Don't let your entire income belong to bills, debt and other people's emergencies. Build something that belongs to your future too.

See you on the winning side
Rhoda-Financial Coach

Rhoda-Financial Coach

13/10/2026

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30/09/2026

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