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HOW TO MAKE YOUR MONEY WORK FOR YOU

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An old adage goes: ‘a fool may make money but it takes a wise man to keep it.’ Truly, making money is one thing and keeping it or making it work for you is another. While most people have found it difficult to make money work for them, it is the best thing one can do as it will not only help you enjoy life, but also secure your future. Here are tips on how you can make your money work for you.

Start saving as early as you can: The first step to getting your money work for you is saving; you can never go wrong with this. Make sure you save on every paycheck since your money can’t start working for you unless you keep some aside for the plans you have. A good way to save is to open a savings account and instruct your bank to automatically transfer a stipulated amount to the savings account as soon as you have been paid.

Look for long-term investments: Smart people always invest in long-term goals. A one-year investment may not give you a good return; five years is better but 30 years is the best. There are many ways of investing; you can invest in shares and bonds, property or privately managed bonds among others. It is recommended to research before you start investing in order to identify a platform that will work best for you.

Be consistent in your saving: Decide on how much you will be saving each month and budget with the remaining fraction. Being consistent in saving is as important as starting to save early. Don’t wait until you are in your 40s to start saving; you will benefit more if you start saving in your 20s or as soon as you start your first job or get your first source of income, and be consistent.

Take control: You can’t make something work for you until you take control of it. You can do a few things to help you earn more, but a lot more when it comes to what you do with each pay packet. Take control of your money through budgeting and abiding by it.

Pursue a professional course: Increasing your worth in the job market by pursuing a degree or a certificate will make you more marketable. This will translate to higher earnings, meaning more money at your disposal. However, you have to play your cards very well; don’t just rush to pursue education. First weigh your options and if it is the best thing you can to yourself at that point in time, go for it. Just as it is important for you to start saving early, it is also prudent to pursue education while you are young before responsibilities such as family catch up with you.

Choose credit cards with rewards: Using a credit card might not feel like putting your money to work but choosing a card with reward points means each shilling you spend with your card is doing double duty. For instance, you can choose a supermarket credit card where you can redeem your points after a certain period. Make sure you compare different credit cards before you settle on one. If you travel regularly, do the same with the travel credit cards.

Invest in real estate: The advantage with real estate, especially in Kenya, is that the trend has been one of appreciation. You can consider buying a home to live in as an investment, or you could invest beyond your home into land to sell later. Another alternative is to build rental houses; here, the location is key.

Seek out financial advisors: Sometimes, having money can cost you money. You may need financial advisors to help you manage your money wisely.

Make friends with successful people: The idea is to surround yourself with people who have made it. You will tap a lot from their experiences and this will help you make more informative decisions. Note: we are the people we associate with.

Read widely: Even after you are through with college and university education, you need to bury your head in books about investing or personal finances, you can also read biographies of successful people. These books are barometers of good financial decision-making. They will help you to find right information and education, which in return will help you make sound financial decisions.

Set goals: Don’t just invest; have specific financial goals that you want to achieve within a given time. Wealth doesn’t just come; you work for it and it takes focus, courage, knowledge and a lot of effort. Be realistic while setting financial goals but at the same time don’t be afraid to dream big.

Published April 2016

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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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