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Stick to a budget to achieve financial goals

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Published on February 2011

Even people with the best intentions fail to stick to a budget. In this issue we tell you why you are likely to fail in sticking to your budget, pitfalls to avoid and easy tracking methods that keep you on top of things.
You are more likely to stick to a budget if the categories you track reflect your income situation, lifestyle and spending habits. Make sure your budget reflects your goals and values. If you want to travel, budget for it; if you want to donate 10 percent to your church, then budget for tithing. Don’t surprise yourself with expenses that have not been budgeted for.
Also remember that as valuable as budgets are, not everyone needs one. Some people have mastered their finances and others have a clear idea where their money goes. You may be one of them and therefore do not need to waste time working on a budget. Here are some situations where you may not need a budget:
You have a huge surplus: Your income is far greater than your expenses and you have a large cash cushion in the bank.
You are meeting all your financial goals: You have an emergency fund, are saving for retirement, and are meeting other targets.
You have a consumer debt: You don’t carry balances on your credit cards and you don’t have a car loan; your only debt is probably a mortgage and you can afford the payments because your income is guaranteed.
You don’t worry about money: You never feel stressed about your financial situation, or fight with your partner about spending, or wonder how you are going to make ends meet.
Even though you don’t need to budget if these things are true, its still not a bad idea to track your spending; a budget can help you if your rosy financial situation takes a turn for the worse.
Sticking to a budget
There is more to budgeting than just putting numbers down on paper. Drafting your framework and setting categories is all well and good, but it doesn’t mean a lot unless you adjust your spending behaviour accordingly. Whether you stick to your budget depends on how you spend money on a daily basis. It can take time to get your spending to match your budget, so be patient. It may take you several months to get a hold of things. If you are struggling to stay on budget and track your spending, change tactics. Switch from a detailed budget to a loose one, or vice versa. And if you suffer setbacks don’t give up.
Tracking your spending
If you struggle to stick to your budget or with money generally, it may help to track your spending. It can be a tedious process, but what you learn about your spending habits makes tracking worth the effort. Without doing this, it can be hard to know how much you have really been spending, and what you have been spending it on.
Tracking your spending demystifies money and puts you in control. You will have a heightened awareness of your financial habits, which will let you make changes to improve your situation. But looking at the details, you will have a better sense of your overall spending and begin to understand how your buying habits affect other parts of your life.
Sometimes it helps to keep a daily money log to record your spending. This log can take any form – a pocket-sized memo book, computer text file, a spreadsheet, a mobile phone file, or whatever suits you. Every time you get money, write it down. Every time you spend money, for example paying bills or buying coffee or paying bus fare, write it down. Keep track of every coin that enters or leaves your pocket.
When you track your spending, it is important not to make judgments. This activity is meant to describe your money habits, not to change them. You probably do want to change them, but that is a different task for another time. So write everything down, whether you are proud of it or not.
Some transactions are easy to forget, like when you pay with cash or buy stuff online or use a credit card.

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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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