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9 Real reasons you are broke

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Money makes the world go round and being incessantly broke is not fun at all. You might want to blame the situation on everything around you but yourself. However, most often, the problem is with you. Find out why.

1. You are living beyond your means

If you live a lifestyle that is not commensurate with your earnings, then money will not stay in your pocket no matter how hard you work. People who live beyond their means have to borrow in order to maintain their expensive lifestyle and this becomes a toxic cycle. Start small, work hard and you will one day live that big life you have always dreamt of.

2. You don’t have financial goals

You are more likely to spend your money wisely when you are saving for something. Ask yourself why you are working so hard on your finances and the answers could give you a clue on what you want. Is it a house? Or a car? Or to go back to school?
Whatever it is, find out how much it will cost you and decide how much you will be putting aside to help you achieve that goal. Also, don’t fall for the tricks employed by sellers to seduce you into buying what you don’t need or buying more than you had intended.

3. You have entitlement issues

Many people want white collar jobs and as such give a wide berth to blue collar jobs. Ironically, white collar jobs are shrinking by the day while there is a growing demand for blue collar jobs. If an office job is long in coming, roll up your sleeves and be prepared to do that which has demand especially if you have knowledge about it.

4. You compare yourself with someone else

This is a financial crime that many people commit, sometimes even without their knowledge, to the detriment of their pockets. You don’t have to go out every Friday or own a car just because your friend has one. Learn to prioritise your finances so that you stay on track with your goals. Resist the urge to keep up with the Joneses and as they say, stay on your lane.

5. You complain a lot

Pity party will never see you out of begging or borrowing. You need to wake up, strategise and start working towards your goals, free yourself from debts as well as putting more money in your pockets. Put measures that will see your budget go down so that you can save a part of your earnings. If possible, delete all the mobile loan apps on your phone as soon as you pay off the debt.

6. You don’t pay attention to your money

Once you get paid, always sit down with a pen and a paper and plan for it. Failure to plan for your money since you have more problems will not help you; it will only make the situation worse.

7. You don’t pay yourself

Even before you start paying your bills, always make sure you pay yourself a certain percentage of your earnings. Paying yourself first means putting a portion of each paycheck into a savings account before dividing the rest to cover expenses. You can either pay yourself on a daily, weekly or on a monthly basis depending with how regular your income is.

8. You are in big debt

Debt will always pull you behind and sabotage whatever effort you put in place to be financially free. The only cure to debts is to pay them and pay them right. Allocate the highest amount to the debt with the highest interest while the one with the least interest gets the least amount. Loans with high interest grow the fastest.

9. You are waiting for a saviour

Some people think they will one day get a good job and live a better life or even start a business to save them from their situation or worse still, win a lottery. While there may be some truth in it, we should not put all our hope in the future. Let’s do what we can today as this will help us live a stress free life. Only you can save yourself from the financial mess you are in and this will be determined by what you are doing now.

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

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While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

Published

on

While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

Continue Reading

Cover Story

Endometriosis and sex: How to make intimacy pain-free

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There is no doubt that endometriosis can affect a woman’s way of life. The condition slews a couple of conditions, painful sex being one of them. Penetration pulls and pushes any tissue growth behind the vagina and lower uterus.

Although symptoms may differ from woman to woman, here are some things you can do to lessen your pain and ensure you have some good time:

Take a dose of painkillers

Take an over the counter painkiller that sits well with your body before intercourse and incase pain persists, take another one as prescribed.

Track your cycle and try at certain times of the month

Most women with endometriosis experience excruciating pain during their period and ovulation. Keep track of your cycle so that you can know when you are ovulating. You can use apps like my calendar and flo period tracker to track your periods. This will help you know when best to engage in sexual intercourse.

READ ALSO: Crucial Facts About Endometriosis Everyone Should Know About

Use lube

Vaginal dryness is not something to be ashamed of and if you happen to have it, lube should be your best buddy. Make sure to use any silicon or water based lubricant anytime you feel like your vagina is dry. Ensure the application is of good amount to achieve a wet area.

Explore alternatives

Talk with your partner about things that turn you on and bring you pleasure. Just to mention a few; mutual masturbation, foreplay, kissing and mutual fondling. Sex does not have to mean intercourse.

Try different positions

Experimenting different positions can teach you and your partner which ones hurt and the ones that bring direct pleasure with no or less pain. Positions that are considered better vary from person to person so take the time to explore and learn yourself with your partner.

Find the right rhythm

Finding the right rhythm can help you experience less discomfort during sex. Quick thrusting or deep penetration can aggravate pain. Talk to your partner about that which you do not like and find ways that will satisfy the both of you like exchanging positions so that you can control the speed and rhythm.

Bottom line

Intimacy does not have to be boring, painful or make you hate the condition that you have. Talk openly about your feelings around sex and penetration and what would help to ease your concerns.

Our FREE  e-paper March Issue is here!
As we celebrate our women this month, we bring you the best stories and the most inspiring features to get you going.
Click HERE to read!

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