You know what most financial advice sounds like when you have an irregular income? Complete nonsense. Every budgeting guide you read tells you to “allocate 30% to housing, 20% to savings, 15% to transportation” as if everyone receives the same salary on the same day every month. They tell you to “pay yourself first” and
Background Some years ago, I met a young entrepreneur named Daniel. He started a small printing business that quickly gained attention because of his honesty, creativity, and quality of work. But as his business grew, so did the temptations — shortcuts, shady deals, and pressure to prioritise profit over integrity.He once said, “I feel like
Background I once met a young graduate who had just started his first job. His salary was small, and by the time he paid rent, transport, and daily expenses, almost nothing remained. He confessed: “I know I should tithe and give, but honestly, I don’t see how I can afford it.” This is a struggle
Background I know what it feels like to see your account balance and just sigh. You worked hard. You earned money. But by mid-month—or even mid-week—you’re broke again.And it keeps happening. You start asking yourself: Let’s be honest—this cycle is exhausting. But here’s the truth: You don’t have to stay broke.With the right mindset, discipline,
Background One of the biggest regrets many people have in their 30s and 40s is this:“I wish I had saved more when I was younger.” In your 20s and 30s, it’s easy to think that saving can wait. There are bills to pay, social events to attend, new gadgets to buy, and the pressure to
Background I once had a conversation with a final-year student who was struggling financially. Her words struck me:“I want to support myself and stop asking my parents for every little thing, but I don’t have money to start anything.” She believed that because she didn’t have capital, she couldn’t start a business or side hustle.
Background I remember my first experience with budgeting as a young adult. I sat with my notepad, drew lines, wrote figures—and by the second week, the plan was already falling apart. The problem wasn’t that I didn’t want to budget.It was that I created a budget that wasn’t realistic for my income, lifestyle, or discipline
Background I once knew a woman who ran a small tailoring business out of her backyard. She had no shop, no large customer base—just faith, skill, and a willing heart. When we spoke, she told me how she’d struggled financially for years, barely making enough to pay her children’s school fees. But something changed when
Background Career decisions can feel overwhelming.Whether you’re a student trying to choose a course, a graduate wondering what path to follow, or someone in between jobs—it’s easy to feel confused. You ask: Friend, these are valid questions.And the good news is this: God is not hiding His will from you. He wants you to walk
Background Being a student comes with its fair share of financial pressure.Between tuition fees, textbooks, transport, food, data, and the occasional social event, it often feels like your income or allowance ends before the month does. Maybe you’re living on a tight budget, depending on your parents, or managing a small income from a part-time