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Jeremiah Wata

Name: Jeremiah Wata
Address: 10 Miles, off Great North Road, Lusaka, 10101, ZM
Telephone: +260976204822

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Learn new skills from me and know how to monetize them. Check this: https://zaap.bio/watajeremiah

04/09/2026

🎓 A Special Milestone in My Journey

Today, 4 September 2026, I had the honour of graduating from the ZiCA CA Certificate in Accountancy programme.

What made the day even more special was receiving the Best Overall Performance Award for the December 2025 session. 🏆

I am genuinely grateful for this achievement.

Behind this certificate are many hours of studying while balancing work, business and other responsibilities. There were demanding days, but today is a reminder that consistent effort eventually produces results.

For me, this is not the destination. It is another important step in a much longer journey of learning and professional growth in accounting, finance, taxation and business.

I am grateful to everyone who supported, encouraged and contributed to my journey. 🙏

Today, I celebrate the milestone.
Tomorrow, the journey continues.

🏆 Best Overall Performance
🎓 CA Certificate in Accountancy – December 2025 Session
📍 Zambia Institute of Chartered Accountants (ZiCA)

04/09/2026

Happy to share that I have graduated in the CA Certificate in Accountancy by ZICA (Zambia Institute of Chartered Accountants) held today 4th September 2026 at Mulungushi International Conference Centre under the theme: "Celebrating Two Decades of Excellence: Empowering Accountancy Professionals for a Sustainable Future."

Eyes on the ball.

07/08/2026

Somewhere in Zambia today, an employee is finishing a contract and quietly hoping the gratuity figure "feels about right." Here's the thing — you shouldn't have to hope. The Employment Code Act already tells you exactly what you're owed.

Gratuity is not a thank-you gift from a generous employer. It's a legal entitlement. Section 73 says that when a long-term contract (over 12 months) ends, the employer must pay gratuity of not less than 25% of the basic pay you earned over that period. Notice the wording — "not less than." That's a floor, not a target. One worker recently discovered this the hard way: paid 12% for 11 straight years, until he actually read the Act and realised he'd been shortchanged for over a decade.

Shorter contracts aren't left out either. Section 54 gives the same 25% minimum to employees on fixed-duration contracts of 12 months or less. So whether your contract is 6 months or 3 years, the principle holds — as long as it isn't casual work, temporary relief work, or a probation period, which the law treats differently.

One more detail people miss: gratuity is calculated on your basic pay, not your full salary with allowances. So before you do the maths in your head, check what your contract calls "basic pay."

And if your contract ends early? You still get paid — just prorated to the months you actually worked. No early exit forfeits what you've already earned.

Bottom line: read your contract next to the Act. It's your money, not a favour.

Share with someone whose contract is ending soon. 👇

02/08/2026

Last month I met a business owner who was doing everything right — good products, loyal customers, growing sales. Then ZRA penalties wiped out a chunk of his profit. Not because he was dodging tax. Simply because returns weren't filed on time.

This is the story of so many startups and SMEs in Zambia. You can't afford a full-time accountant, so compliance quietly piles up until it becomes expensive.

That's exactly the gap I fill.

Every month, I handle your:
✅ Turnover Tax
✅ PAYE & SDL
✅ NAPSA
✅ NHIMA
✅ VAT
✅ Smart Invoicing
✅ Payroll Processing

Returns filed. Payments processed. Deadlines met — NAPSA & NHIMA by the 10th, ZRA by the 14th. Every single month, without you having to think about it.

You focus on growing the business. I'll keep you compliant.

📲 Call or WhatsApp me on +260 964 219 202 — for a free consultation.

What's the one compliance task you keep pushing to "next week"? Tell me in the comments — I'll point you in the right direction. 👇

— Jeremiah Wata, Accountant | ZiCA Member

23/07/2026

‎Imagine this: You wake up one Monday morning and your car won't start. The mechanic says K4,500. Your salary is still 2 weeks away. What do you do? 😬
‎
‎For most people, the answer is painful:
‎- Call a relative and borrow
‎- Take a quick loan (at crazy interest)
‎Sell something
‎- Simply don't fix it — and suffer the consequences
‎
‎This is exactly the problem an Emergency Fund solves.
‎And yet, it is one of the most ignored financial tools in most Zambian households.
‎
‎So what exactly is an Emergency Fund?
‎It is a dedicated pool of money — kept separate from your regular account — that exists for one purpose only: unexpected, unavoidable expenses.
‎Not a wedding. Not a new phone. Not "the sale ends today."
‎
‎We're talking about:
‎✅ A sudden medical bill
‎✅ Job loss or a gap in income
‎✅ Urgent home or car repair
‎✅ A family emergency that needs immediate cash
‎
‎How much should you have?
‎The general rule: 3 to 6 months of your essential monthly expenses.
‎So if your rent, food, transport, utilities, and loan repayments add up to K5,000 per month — your emergency fund target is K15,000 to K30,000.
‎
‎Does that sound like a lot? It probably does. And that's okay — you don't build it overnight.
‎
‎How do you start?
‎Here's a simple 3-step approach:
‎Step 1 — Open a separate savings account.
‎Not your main account. Somewhere slightly inconvenient to access. Out of sight, out of temptation.
‎Step 2 — Set a small, consistent contribution.
‎Even K300 or K500 per month. The amount matters less than the habit. Automate it if you can.
‎Step 3 — Treat it like a bill.
‎You don't skip rent. Don't skip your emergency fund contribution either.
‎
‎One important rule: once you use it, rebuild it.
‎An emergency fund you used is not a failed emergency fund. It did exactly its job. But the moment you use it, rebuilding it becomes your next financial priority.
‎
‎💬 Be honest with me in the comments: Do you currently have an emergency fund? If not — what's been stopping you? Let's talk about it 👇
‎
‎Share this with someone who is one unexpected bill away from a financial crisis. You might be helping them more than you know. 🙏
‎
‎Jeremiah Wata

16/06/2026

𝐍𝐎 𝐍𝐀𝐏𝐒𝐀 𝐍𝐔𝐌𝐁𝐄𝐑 = 𝐍𝐎 𝐉𝐎𝐁 𝐈𝐍 𝐙𝐀𝐌𝐁𝐈𝐀 🚨

The National Pensions Scheme Bill 2026 has changed the game for both employers and job seekers.

Under Section 18(1) of the Bill, it is now illegal for any employer to hire a person who does not have a NAPSA social security number. If you are 16 years old and below retirement age, NAPSA registration is no longer an afterthought — it is now Step 1 of your onboarding, before the offer letter, before the contract, before everything.

Employers who ignore this face penalties of up to 100,000 penalty units or 1 year imprisonment. The old "we'll sort out your NAPSA later" approach is now a criminal offence.

For HR and Payroll Teams:
Your checklist just got stricter. NAPSA verification must come before the offer letter goes out. No NAPSA number, no contract — full stop. With directors now personally liable and 10-day payroll submission deadlines introduced in the same Bill, statutory compliance has moved from a back-office task to a boardroom risk. If your ATS and payroll system do not yet have NAPSA verification built in, that conversation needs to happen today.

For Job Seekers:
This is actually good news. Your NAPSA number is now your employment ID. Register today if you have not already — it protects your 5% contribution and your employer's 5% from day one, and it starts building your retirement pension record with no gaps, no "ghost months." Walk into every interview ready.

As a payroll and compliance practitioner, I have seen too many onboardings delayed or regularised informally around NAPSA. Those days are over. The law is now unambiguous.

If you need help reviewing your payroll compliance framework or HR onboarding process in light of this Bill, feel free to reach out.

12/06/2026

TUITIONS FOR ZiCA STUDENTS

Sitting for CA Zambia Level 1?

Enroll for CA 1.1 Financial Accounting Tuitions with Shumba Training Centre Limited.

✅ 100% Online Learning
✅ Exam-Oriented Lessons
✅ Past Paper Practice
✅ Flexible Study Schedule
✅ Interactive Student Support

Course Available:
CA 1.1 Financial Accounting

Exam Session Preparation:
September 2026

Instructor:
Mr. Wata Jeremiah

Build a strong foundation in Financial Accounting and prepare confidently for your ZiCA examinations.

📞 +260 964 219 202
📧 [email protected]

SHUMBA TRAINING CENTRE LIMITED
Knowledge & Proficiency

15/05/2026

About NHIMA Contributions for Retirees and Pensioners

💯

Share this information with any retirees or pensioners in your circle.

If you need help with this or any other matters, reach out to me on +260964219202.

Published by: National Health Insurance Management Authority - NHIMA.

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10 Miles, Off Great North Road
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+260976204822

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