If I’m getting on your nerves about being in bad debt then I’m doing the good work and heavens me! Injili iendelee!
O, hi, lol!
I’ve been on and on about the bad vibes of deni mbaya. But my ramblings and musings have also been heavy on wisdom.
We’ve talked about debt management tools, different types of debt and how to actually get out of debt. But debt is addictive btw, that kaconvenience of randomly getting chumz now to pay later? Fear that after fearing God.
So on my final (and it breaks my heart) blog about deni, I wanna talk about how to actually stay out of debt. Otherwise in April we’ll be back to step one and who wants that when we could be moving mad in greatness?
A lot has been said about how to save your coin to avoid splurging or borrowing so I won’t get into the obvious because if we haven’t listened to those before, that aint about to change now. But you know them, so good people, can we purpose to heed and do better? If you’re waiting for me to go into asking you to have chai at home to avoid mama chai at the office, you’ll be waiting… a while!
Today’s take is a little more personal and will touch on tips MOST of us can relate to. So let’s goooo!!!
Sherehe – and I know I said I’ll avoid the cliché but if it fits, it fits, innit? When indexes for the party goers are ranked in Africa, we go gaga seeing ourselves high up there. And there’s nothing wrong with that. But ask yourself, “At what cost?” And I’m not saying to cut off completely, I’m saying reduce it to once a month. That’s not to mean ati now you go scouting for the most happening expe places to splurge coz you only get one chance. Your usual spot… while having your usual.
Debt – follow my previous blogpost and do so religiously. Know the debt strategies by heart and heed them. If you go back to short term approaches to getting out of debt, utajipata in that vicious debt cycle we’re all trynna get out of in the first place.
Stop playing Captain Save ‘em – forget ata The Twitter Swindler, the real swindlers are people we call ‘bae’ and ‘fam’. Anybody who asks you to take a loan to sort them has only one person’s interest at heart, and it sure as hell isn’t yours, beloved. Now I know you might argue about parents, siblings or your person. But remove the monetary aspect from what you offer people and see who stays. People who don’t mix their money with anything else are generally happier. Learn to say you don’t have. Siamini mnachukulia watu loans. Ata najam…
‘Kiongoss’ or ‘the realest’ is not real a thing– you want to be in every wozzap group committee ndio ukae ama ubebwe a certain way.? Don’t I have news or you? Utazama kwa deni, usote and they’ll move on to the next loaded person. In fact, go to your wozzap settings right now and revoke all rights that enable any Tom, Dick and Harry to just put you in groups. Na ukipata invite this is how to move…
We know home is our haven but fam, too much comfort is like a bed full of pillows… backaches and discomfort. Some of us are making home too comfy with multiple subscriptions when you spend less time at home ata. If you must, go dutch with friend and share password. Na msikosane coz that’s how I booted Wafula and Sospeter from my Netflix 🤐🤣.
Daily shopping – if you must pass by kwa mama mboga, do so to say hi or other neighbourly gestures. This thing of shopping for every meal is actually very expensive in the long run. What you can buy in bulk and at once, just do.
Kuweka stake – I’m not one to promote whataboutism but I done seen so many of my friends (yes, haikuwangi tu Wafula and Sopeter) get into debt juu yakuwekelea stake kila siku. Hii maneno is for people who actually stand a chance to lose without flinching. Badala ya kutop up tokens hapa na pale, tuko Twitter tukitafuta odes and betslips. Obed, is that really living?
Budget – One of the most ‘Weuh!’ moments when I realized that your emergency fund should be treated like a bill. You decide what to save should not be what bakis ukishalipa madeni or bills, please. Ukiwa na kakitu the chances of you going after a kaloan are decreased kabisa.
Tafakari yangu.
Over & Out,
The Witty Banker
