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Welcome to Milambo Mizinga Consultancy | Your Path to Financial Freedom Starts Here

I help ambitious entrepreneurs and individuals break through financial limitations and build lasting wealth.

📞 Schedule your consultation today. +260978458489

Mr Mutale's Growth Budget Age: 32Job: Accountant Monthly Income: K18,500 (Net)Family Size: 4 (Mutale, wife, daughter (7)...
02/10/2026

Mr Mutale's Growth Budget

Age: 32
Job: Accountant
Monthly Income: K18,500 (Net)
Family Size: 4 (Mutale, wife, daughter (7), son (3))

Rent 3500
ZESCO 650
Water 180
Groceries. 3800
Transportation 1,250
School fees 2,250
Airtime & data 700
Emergency fund 800
Personal grooming 1100
Savings. 2000
Extended family 900
House help 1300

Total k18430

Nuggets For Financial Increase 🔹️Tell your money where it should go instead of wondering where it went at the end of the...
02/10/2026

Nuggets For Financial Increase

🔹️Tell your money where it should go instead of wondering where it went at the end of the month

🔹️Spend what is left after saving. Don't save what is left after spending

🔹️Small amounts add up when spent consistently, find ways to avoid them when you can.

🔹 Don't get a loan just because it is available, create a proper plan for it first

🔹 Avoid friends who make you spend money recklessly

I wish you all the success in the world.

Milambo Mizinga -Business and Personal Finance Coach

02/10/2026

Don’t compare yourself with others

On your journey of success, don’t get tempted to compare yourself with people who have been building their businesses or wealth for the past 15, 30 or even 50 years. Even a tree which was planted fifty years ago cannot be compared with one which was planted this year, they will be significantly different. Use those people as inspiration but they should not intimidate you. There was once a time when they too were beginners like you. You will get there.

WHERE IS MY PROFIT? NEED ADVICECoach post for me on your page, am confused.I started a small popcorn business at the vil...
02/10/2026

WHERE IS MY PROFIT? NEED ADVICE

Coach post for me on your page, am confused.

I started a small popcorn business at the village school where I teach.

My initial capital was K1,070 which I used to buy:
- 6 gallons of popcorn kernels
- 10 litres of cooking oil
- 2 packs of 6" plastics
- Transport

The business is moving very well and the market is excellent, but after finishing the 6 gallons, I only realised K913 in sales, with about 2.5 litres of cooking oil remaining.

Before the first stock finished, I restocked 10 more gallons and 2 more packs of plastics for K840, which I have not yet started using.

How do I know whether I am making a profit or a loss?

01/10/2026

MISTAKES YOU SHOULD NOT MAKE IN YOUR BUSINESS

1. Being unprofessional in the presence of a customer. You can't be on phone (personal call) while the customer is waiting or talking to them while texting. I remember going to a store once and the shop keeper was watching soccer he took the money and packed my bread with his eyes glued to the TV the whole time! No greeting, no interaction whatsoever.

2. Defending yourselves when the customer complains. This is not time to argue, it's time to listen and improve. If you're overconfident about your business you'll keep losing customers. Even if they are being unreasonable show them that they have been HEARD. This will make them feel good and they'll want to continue doing business with you.

I wish you all the success in the world.

Milambo Mizinga -Business and Personal Finance Coach

Lifestyle Upgrade TrapThe moment some people earn more, they increase their expenses faster than their income.They get a...
01/10/2026

Lifestyle Upgrade Trap

The moment some people earn more, they increase their expenses faster than their income.

They get a salary increase, but instead of becoming stable, they become more pressured.

New income.
New lifestyle.
New subscriptions.
New hangout places.
New clothes.
New loans.
New expectations.
New responsibilities.

Then a few months later, they are earning more but still broke.

This is called lifestyle inflation.

It happens when your spending grows every time your income grows.

There is nothing wrong with enjoying your money.

You work hard. You should enjoy some of it.

But enjoyment without limits will keep you financially stuck.

When your income increases, do not rush to upgrade everything.

First stabilize.

Increase your savings.
Reduce your debt.
Build an emergency fund.
Invest in skills or business systems.
Strengthen your financial foundation.

After that, you can upgrade wisely.

More money should give you more options, not more pressure.

Have you ever earned more money but still felt financially stuck?

01/10/2026

Most people don't fail in business. They quit right before the lessons start to pay off.

Every small business owner must understand that not all money in the business is profit.When money comes in, divide it m...
30/09/2026

Every small business owner must understand that not all money in the business is profit.

When money comes in, divide it mentally before you spend it.

Here are four categories to understand:

1. Sales money
This is the total money customers pay you. It looks exciting, but it is not all yours.

2. Operating money
This is money for stock, rent, transport, packaging, salaries, internet, electricity, and other costs.

3. Obligation money
This includes taxes, suppliers, debt repayments, and any business commitments.

4. Owner’s pay and profit
This is the part you can take after the business has covered its needs.

Many businesses suffer because the owner jumps from sales money straight to personal spending.

That is dangerous.

A business can have high sales and still be broke if the money is not managed well.

This week, look at your business and ask:

How much did I sell?
How much did it cost me to make those sales?
How much is left after expenses?
How much can I safely take?

Entrepreneurs, which money category are you currently mixing the most?

Milambo Mizinga- Founder, ZIVA School of Business and Money

DON'T RUSH TO MAKE MONEY BEFORE YOU'RE READY How much, how long and how hard are you willing to work on your dream befor...
30/09/2026

DON'T RUSH TO MAKE MONEY BEFORE YOU'RE READY

How much, how long and how hard are you willing to work on your dream before it becomes a reality?

One of the most powerful chapters in my book 30 Days To Success is 'Learn The Craft' which says whatever you choose to do, learn it first. Learn how to do it well before you can attain greatness in that arena.

I mentioned before that the superstars and champions we see on TV like Serena Williams, Tiger Woods, Ronaldo, Merci, have had many years of massive training before they ever got the money or fame.

Its not easy because when you're learning there's no guarantee that you will succeed, only your unwavering faith. There's no pay coming your way during this time, only your daily sacrifice. But one day you will get up and perform your skill, start your business or display your craft and wow the world.

So learn your craft first before you try to make money out of it. I wish you all the success in the world.

Milambo Mizinga -Business and Personal Finance Coach

Your Transaction History Tells the TruthYour bank balance tells a story.But your transaction history tells the truth.If ...
30/09/2026

Your Transaction History Tells the Truth

Your bank balance tells a story.

But your transaction history tells the truth.

If you really want to know where your money is going, do not guess.

Check.

Go through your mobile money transactions.
Go through your bank statement.
Go through your receipts.
Go through your transfers.

You may be shocked.

Sometimes we think one thing is destroying our budget, but the numbers show something else.

You may think food is the problem, but it is actually transport.
You may think family support is the issue, but it is impulse spending.
You may think your salary is too small, but your debt repayments are too high.
You may think business is slow, but you are withdrawing too much.

Numbers remove confusion.

You cannot fix what you refuse to face.

This week, do a simple money audit.

Look at the last 7 days and ask:

Where did my money go?
What was necessary?
What was avoidable?
What must change this week?

If you checked your transactions today, what would shock you the most?

Milambo Mizinga- Founder, ZIVA School of Business and Money

Address

Avondale
Lusaka
10101

Telephone

+260978458489

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