The eight habits that sabotage personal financial health according to Mr. Wahome Ngari of Citadel Consulting Limited Nairobi in a radio program, I tuned into aired on Radio Waumini FM Kenya on 8th May 2018. This article will review the eight habits that cause personal financial sabotage that were mentioned in the program and are directly linked to personal financial distress that the Wacha niKwambie blog has been discussing this

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Last week we discussed the different causes of financial distress. Many a time financial distress is not as a result of a one off event but as a result of poor financial decisions cumulatively leading to the financial distress. The first step in dealing with a personal financial crisis is to accept that there is a problem and stop wasting further time that is procrastinating in trying to address the

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Beginning our focus this month on how to deal with difficult personal financial economic times. Personal financial distress in a nut shell happens when expenses exceed income. Some of the factors that cause personal financial distress include; The loss of a job. Most people make an income from a job, when one loses ones job then inevitably financial distress can occur more so if one had no savings or emergency

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During the month of February 2018, one of the wellness focus areas for “Wacha niKwambie’’ blog was the relationship that we have with our domestic assistants. Here in my home country Kenya, the most commonly used professional terms for domestic assistants are; househelps, maids, auntie, domestic managers and nannies. The blog’s founder and lead writer, Elizabeth “Kwambie” Nyambane had the opportunity to interview the managing director of the pioneer in

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Keep focused on the goal and the joy and the benefits that you will derive from attaining your set goals. Listen to motivational talks, inspirational songs and watch movies that keep your eyes on the prize. To date my favorite movie of all time is Will Smith’s The Pursuit of Happyness, which I have watched so many times to an extent that I have stopped counting. It’s storyline of resilience

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Do you have a driving passion beyond making money? Are you self disciplined? Can you take charge of your own destiny without having a boss of your own? Are you good at creating new professional relationships and maintaining them? Are you adaptable to change? Do you have a tendency to query the status quo? Are you disruptive? Are you self- confident and optimistic? Does job security mean to you being

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Do you have a driving passion beyond making money? Are you self disciplined? Can you take charge of your own destiny without having a boss of your own? Are you good at creating new professional relationships and maintaining them? Are you adaptable to change? Do you have a tendency to query the status quo? Are you disruptive? Are you self- confident and optimistic? Does job security mean to you being

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Whether we are investing in stocks, government bonds, business, farming ventures, land, real estate, education, intellectual property, health or our children and several other investment tools there are several reasons why we invest. We invest so that WE DO NOT HAVE TO WORK FOR THE PURPOSE OF GENERATING INCOME for the rest of our lives. We all hope to find ourselves in a position where we are not working to

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Begin today with what you have. A penny in the hand today is worth many more in the future. Many a time saving to purchase what you wish to buy in the future may be an exercise in futility, hence the reason to take up competitive loans whose interest rate is lower than the capital gain over time made of the investment one wishes to purchase. Have a financial plan.

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