Posted in challenge, communication, economy, energy, finance, humour, Lifestyle

Ask Wanjiku

via Daily Prompt: Survive

Wanjiku is knocking….

Pardon me but Wanjiku is the suitable name they came up with when they wanted to refer to the common Mwananchi (i). The mastermind behind the coining is not known but who cares Wanjiku reigns! Inflation has been pinching and emptying my pockets at the same time in the name of living. Unfortunately, it decided to pick up during the cold weather when everyone complains of this or that.

My love for food as you already know though never showcases itself in the outer being usually gets higher in the cold season. Reproduction was my favorite biology segment so am not going to dwell on the metabolism part since am no teacher. Anyway, it is during this season that my worst meal that I loath to cook, Ugali (ii), becomes the wanted. It just satisfies the belly and makes you warmer in case there are no shoulders to rub you throughout. Problem is I hate buying the various maize flour brands that make one shift to a cock, hostess and kick off the market at the same time as they never cook to the desired taste no matter the amount of heat and time geared upon. Am the posho mill fanatic that awaits the maize harvesting season and grinds maize to flour making it a win-win game as i get “makore (iii).”This is actually the best Ugali more so when cooked using a jiko (iv) and not gas (how many times will i tell people this? My Western peeps enlighten this ones) and makes me go gugugaga. Drought has made this nearly impossible since no harvest was made and now the Ksh190 packet of flour is skyrocketing screaming “stick to your chapatis. (v)”

Funny enough the government subsidized the prices after a ship docked the country with tons of maize causing controversies as some said it was from Mexico and the rest from South Africa. Talk of another unresolved scandal! The prices came down to Ksh90 for a packet of maize flour and one could say the world was coming to an end as shoppers flocked their favorite outlets for purchases.

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The GOK Ksh90 subsidy pack

But you couldn’t keep the entire stock to yourself as managers warned shoppers with the “do not pick more than 2 packets” notice. Then the flour went out of stock and we back to square one. Sigh.

Morning breakfasts got better with my usual traditional meals of sweet potatoes and arrow-roots not deleting my brown bread  till I upgraded to cornflakes and Weetabix’s that needed milk.

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testing my middle middle class upgrade

This crossover was me testing the middle middle class if such a thing exists since it is not just the elite who take this stuff. At first I was disappointed by the number of flakes in a pack yet expensive for who? Milk was not an issue since the Ksh25 small pack or the Ksh30 ‘straight outta cow’ from my regular mama kiosk was always trickling in. I was getting accustomed to strong tea (water mixed with tea leaves) and my fake cocoa that was made of hot water and cocoa as I started my hustling journey till I also upgraded to milk drinks. Then the worst happened. Milk also hit the roof! Now I think I should just sit down and be humble as I trace my humble beginnings that never were a bother. Goodbye cereals, hello…..

I almost went berserk when my mum told me the monthly electricity bill was Ksh 3,000. I mean since I have lived in that house we have never paid such a hefty bill. This was a first. She lamented how the KPLC providers never come to do their readings and end up with estimates. So keen to confirm that indeed it was true, I went to my Facebook where I love hitting inboxes of companies that I got issues with. I read the current meter bill , gave them the account number and voilà we were chatting till they confirmed the dreaded. My mum started blaming us on how our gadgets were consuming electricity, how we would boil water using the jiko blah blah and all I could say was ” we rarely here.” Last month the KPLC guy just came in time when I was around but not to do his meter reading but cut us off! Yes we had neither received the bill nor the famous SMS.  Luckily, the entire neighborhood was going to get the cut since no one had received their bills. For the first time in history, I the never no bribe lady did it. There was no way my vacay would be ruined by electricity and who was going to pay the reconnection fee? Me? No. That settled I inquired why the high cost and not that we owned a factory in the house! Drought, no water he assured me. Then as if to test my patience he added that the next bill would also be high!Lucky are the tokens in the urban areas that all signal red as if danger awaits an entire building.

Yes I hate sugar. In fact I joined the Granny’s club way back as I enjoy sipping my tea sugar free. The hike in sugar is not affecting me at all that is the ONLY thing am at peace with and y’all freaking over it should join my club.

All this hullabaloo brought in the external factors debate. We blamed drought, the government that others decided to take the situation as their campaign mantra but did we really blame ourselves? No since no one wants to accept reality. Truth is our sugar is the most expensive in the world yet we got sugar companies that go under now and then. Can’t these people make sugar cheap for us? We continue to depend on rain fed agriculture no matter how many times the weather man warns us. Year in year out, drought happens at the same time, same months but do we really learn? No, we wait for drought to kick in, wait for relief food, wait for media expose then come up with a campaign to help drought affected populations. Then the cycle continues. We see big chinks of uncultivated lands as we tour the country that have turned into forests. This are not bushes but fertile lands belonging to some inhuman humans who would rather see a forest than food. We run to the city leaving our lands to be cultivated by God knows who. Then we rant hunger yet your land that could have helped gap this food insecurity is barely clothed. We see how desert countries like Dubai are food secure but we would rather exploit their aquarium malls and desert rides rather than imitate them.

The rains are here but how prepared are we? Shall the hashtag #WanjikuDecides be the trending topic come 2months time? Wanjiku has cried, cursed and lost it. Jumping into the Wanjiku bandwagon is not me. Am a survivor, I will survive this turmoil.

(i)Citizen

(ii)Dish made of maize flour

(iii)Chicken feed made out of maize cobs

(iv)Type of stove that uses charcoal

(v)Unleavened flatbread made of wheat flour. Roti/roshi

Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, reading

Rich dad, poor dad: Book review 3) …go

Here is 1👉On your mark and 2👉Get set now to my final summary👏

4) Work To Learn- don’ t work for money
Workers work hard enough not to be fired and owners pay just enough so that workers won’t quit. Job is an acronym for Just Over Broke. If you want to be rich and happy, don’t go to school😏😏. I didn’t say that! Questions to ask oneself are “where does this daily activity take me?” What does the future hold?
Management skills for success that you need to equip yourself are:

  • Management of cashflow
  • Management of people
  • Management of systems

5) The Rich Invent Money
Inside each one of us is brevity, brilliance and daring character. Grasp the idea that money is not real. The idea in anything is to use your technical knowledge, wisdom and love of the game to cut the odds down to lower the risk. Skills of financial intelligence you need are:

  • Find an opportunity that everyone has missed
  • How to raise money
  • How to organize smart people. They should be more intelligent than you.

6) Know the History of Taxes and Power of Corporations
The idea of taxes was made popular and accepted by the majority by telling the poor and middle class that taxes were created to punish the rich. Masses voted for the law but in reality it wound up punishing the very people who voted it; poor and middle class. The Robin Hood deal make poor and middle class get taxed more.
People say you got to find your way through the corporate ladder. Why not own the ladder? Financial IQ is made up of 4 broad areas of expertise:

  • Accounting- ability to read and understand financial statements
  • Investing- science of money making money. Strategies and formulas
  • Understanding markets- supply and demand
  • Law- knowledge of tax advantages and protection of corporation.
    Hurray🙌 we are done reviewing the book. Take notes and buy the book if you can.

PS: Am watching CNN and house just passed bill to replace Obama care! Trump is happy for this first achievement. Well Americans what are your thoughts on this?

Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, reading

Rich dad poor dad: Book review 2) …get set

Yesterday we did 1 in case you missed it 👉On your mark. Today we explore more. 

Most people live their lives chasing pay checks, pay raises and job security because of the emotions of desire and fear, not really questioning where those emotion driven thoughts are leading them. To spend your life living in fear, never exploring your dreams is cruel. To work hard for money thinking that money will buy you things that will make you happy, is also cruel. To wake up in the middle of the night terrified about paying bills is a horrible way to live. To live a life dictated by the size of a paycheck is not really a life! Thinking that a job will make you feel secure is lying to yourself.
Majority of us are in rat race. This is where you work for the government paying taxes, work for owners of companies, work for banks paying off mortgages and credit cards. You offered more money but continue the cycle by increasing your spending. Well my most valuable lessons learnt from Kiyosaki are here….get set….
1) The Rich Don’t Work for Money
If you want to be rich, you have to learn to make money. The poor and middle class work for money while the rich have money work for them. If you’re the kind of person who has no guts, you just give up every time life pushes you then you live all your life playing it safe, doing the right things, saving yourself for some event that never happens. So you die a boring old man, have a lot of buddies who really like you because you were such a nice hardworking guy. You spent life playing it safe, doing the right things but truth is you let life push you into submission.
Learn to use your emotions to think not think with your emotions. Use your emotions and mind in your favor not against yourself. Example: when you say I need a job it’s most likely an emotion doing the thinking. Fear of not having money generates that thought. Life is the best teacher of all. Most of the time, life does not talk to you. It just sort of pushes you around. Each push is life saying “wake up. There’s something I want you to learn.”
Poor dad said: I’ll never be rich, money doesn’t matter. Rich dad said: am rich, money is power, I don’t work for money, money works for me.
2) Keep It Simple Stupid(KISS)
People have been getting richer and richer, but in the long run it’s not how much you make; it’s how much you keep and how many generations you keep it. Students work harder but don’t get ahead. What is missing from their education is not how to make money but how to spend money- financial aptitude ( what you do with the money once you make it, how to keep people from taking it from you, how long you keep it and how hard that money works for you.)
Know the difference between an asset and a liability and buy assets. In short invest in more assets that generate income than expenses that take away from you. Have those Japanese powers that are most valued: sword(weapons), jewel(money) and mirror( self knowledge). Fear of being different prevents people from seeking new ways to solve their problems. Financial problems are caused by going along with the crowd and trying to keep up with what everyone is doing. There is need to look into the mirror and be true to our inner wisdom.
3) Mind Your Own Business
What is your business? I call it side hustle. Do not confuse profession with business. Hmmm how frequent we mismatch the two. The mistake in becoming what you study is that too many people forget to mind their own business.
You can mind this business by investing in real assets those that do not require your presence, anything that has value, produces income or appreciates and has a ready market. Examples of assets can be stocks, bonds, mutual funds, income generating and real estate, royalties, notes(IOUs) etcetera. Buy luxuries last not first. Did your hear me? Last!

3 more lessons to go. Yippee. Next we gonna look at our financial IQ. Yes we all got that genius factor. Keep it right here for that👐

Posted in book review, Business, entrepreneurship, finance, inspiration, my library, personalgrowth, planning, reading

Rich dad, poor dad: Book Review 1) On your mark

“Go to school, get good grades and look for a safe secure job,” our parents told us and even some continue to tell the bad advice even in this era. Old advice no longer works with the millennial generation who now know success no longer comes from good education and those gorgeous grades. Well, the child excels with good grades but with a poor financial programing mind set they end up in a rat race or a dairy cow ready for milking.
One day we got to arguing with my buddy who was astonished that I don’t like self help books. I do real motivational books from people I have had a rough idea about their lives I must have uttered out. That debate went further when we went to Two Rivers TBC and as I gazed at books he kept moving from one corner to another and I asked what he was looking for? He went to the business segment and too bad he didn’t find his treasure. Rich dad, poor dad was the book he really insisted that I should give a shot at. As a good girl I promised I would since this is the book that changed his mindset and he attributes his personal achievement to it. Now he is the CEO and founder of Freelance  Y’all who love writing and want to convert PayPal transactions to your Mpesa account he is the guy you need to hook up with (this advertising you doesn’t come for free Simon😉).
Any who, I got the book from a book club member and hallelujah!!! Just the sense I needed kicked in into my brain and a lot of you need it too. So don’t panic, we just getting started in lifetime lessons I gained from Richard Kiyosaki. Well my summary shall be subdivided into a number of posts probably 3.
GETTING STARTED
Our financial genius is asleep waiting to be called upon. It is asleep because our culture has educated us into believing that the love of money is the root of all evil. You sick and tired of getting up, going to work, paying bills and the cycle never ends? Well here are 10 tips on how to prove your proficiency at both accounting and investing:
1) Pay yourself first- Power of self discipline.
Don’ t go to large debts positions that you have to pay for. When you come up short, let the pressure build and don’t dip into your savings or investments.
2) Pay your brokers well- Power of good advice. Find a broker who has your best interests at heart. They are professionals and the more money they make, the more money you get.
3) Need a reason greater than reality- Power of the spirit.
4) Choose daily- Power of choice
5) Master a formula and then learn a new one- Power of learning quickly. You become what you study.
6) The need for heroes- Power of myth. They make things look easy even when they don’t.
7) Be an Indian giver- Power of getting something for nothing.
8) Assets buy luxuries- Power of focus. To be the master of money, you need to be smarter than it.
9) Choose friends carefully- Power of association.
10) Teach and you shall receive- Power of giving. If you want to learn about money, teach it to someone else. (I guess am already doing the effect on you☺).
Fully equipped with the start ignition, shall we now look at how to drive this money thing?
SOME TO DO’S
1) Look for new ideas – investing ideas
2) Take a break and assess what is working and what is not working
3) Learn from history
4) Take classes and buy tapes
5) Know what you looking for and look in the right places
6) Jog, walk or drive a certain area once a month
7) Make lots of offers
8) Take someone who has done what you want to do. Ask for tips.
Hold onto that brake as this ride ain’t smooth as you think! Bumpy huh! Yes so rough. Obstacles come our way and in the money business it is even more risky.

OVERCOMING OBSTACLES
1) Fear- Know how to handle it. That makes the difference. Many people want to go to heaven but do not wanna die. Many people want to be rich but are afraid of losing.
2) Laziness- This is by pretending or been busy. The cure for this is having some little greed. Greed😕! Yes when money speaketh you have to and be armed with the WII-FM slogan (What’s In It For Me.) Do what you feel in your heart to be right for you will be criticized anyway. You will be damned if you do and damned if you don’t.
3) Arrogance- Ego+ ignorance. When you know you are ignorant in a subject, start educating yourself by finding an expert in the field or find a book on the subject. (Ooh stop the know-it-all act! In my land we call one ‘mjuaji’ and in my mother tongue ‘ kimenyi’.)
4) Overcoming cynicism- We all got chicken little minds; unchecked fear and doubt that makes us play the “what if” game. Solution to this is by frying it!
5) Habits- Our lives are a reflection of our habits than education. Pay yourself first before the bank or government. It makes you financially stronger- mentally and fiscally.

Digest that first as next time we shall cover on the 6 lessons that make up the Rich dad, poor dad book. Be ready to know how the rich continue to be rich while the poor continue to be poor. At the end of this maybe you shall let me know if you think you are the rich dad or poor dad.
Happy New Month🎆🎇

Posted in #life, communication, finance

TOTD: My money, my business

The excitement that comes with one operating their own business or landing yourself that dream job is always up to the roof. Then there are the nosey people starting with ours truly, parents, who ask millions of questions; most importantly been “How much are you making? How much are you getting paid?” I always make the ” did I ever ask you how much you make” face. That by the way always piss me off from family to friends. If we have never had a sitting arrangement to discuss our finances then a beg, take your wahalla and go. Back to you, why are they always interested to know your dough? Does it get to your nerves?