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DEAR WORKING PROFESSIONALS : 2026 WILL REQUIRE A NEW BELIEF SYSTEM REGARDING OUR FINANCES

 With adequate finances we can be sure to achieve our set goals. One of the biggest regrets any working professional can face is to work hard and not achieve their set financial goals. The question is, why is it that there are employees that earn twice as much as other employees and what can be done to reverse this situation? The focus of this article is no the belief system of the working professional. As I write this article there is a particular employee who has already set a goal of improving their financial circumstances. However in the same scenario there is an employee who is focused on all reasons why their financial situation can not improve. It is called self sabotage. In this new year we need to develop a generation of working professionals who do not focus on limitations but rather focus on the enormous potential to widen their income base. In Think and Grow Rich , Napoleon Hill points out that everything is created twice. First in the mind and then in reality. This mea...
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DEAR WORKING PROFESSIONAL: A BUDGET IS VERY CRITICAL IN ENABLING US MULTIPLY OUR INCOME IN 2026.

 It is the desire of every working professional to diversify and multiply their income. I have been fortunate to listen to a number of discussions on how to widen the income base of working professionals. It is important to describe a budget and how it can aid any working professional in making better financial decisions. A budget is a summary of estimated income and how it will be spent over a period for example a week or month. A budget helps in easing decision making and encourages cautious spending. A budget also encourages discipline in savings and if followed helps a working professional to meet their financial goals. In a nation where over 70% of the population is below 30 years, it is a common trait to see many working professionals living beyond their means. Many do not track their spending and wonder why they live in financial shortage. I witnessed a young working professional who noted that he did not need to plan for his money because death was inevitable. It is importa...
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DEAR WORKING PROFESSIONALS: LET US TAKE STOCK OF OUR FINANCIAL MISTAKES IN THE PAST YEAR

 There is no better feeling than making it to a new year. The past year was full of challenges in many dimensions. People lost their lives to accidents. The fact that we have made it into the new year is evidence that God has better plans for each one of us.  The focus of this article is taking stock of the past year in the area of finance. Aristotle noted that an unexamined life is not worth living. It means that if we are to advance financially in 2026 we can not afford to stay the same in terms of our financial knowledge. There are very many successful people in the area of finance and we can capitalize on that to become financially wiser and responsible. A number of working professionals have the capacity to multiply their income. The question is, do they have adequate financial knowledge on the investments they plan to undertake. A number of working professionals start businesses in their villages without first undertaking enough research and in the end they lose it all. ...
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CONTINUOUS LEARNING : A SECRET THAT CAN HELP WORKING PROFESSIONALS TO MULTIPLY THEIR INCOME IN 2026

 It is the desire of every working professional to improve their income. The question is what can be done in 2026 to multiply our income? The cost of living is increasing every day . One of the secrets that I have observed among employees who earn three times more than their counterparts is continuous learning. The high paid working professionals do not leave anything to chance. They work day and night to invest in themselves. This is not restricted  to going back for advanced studies because today there is a lot of free knowledge waiting to be exploited. There are free courses on internet in various fields. No longer can a working professional be comfortable with one academic qualification.  Brian Tracy noted that the day one graduates is the day their degree becomes obsolete. That is worrying .The introduction of Artificial Intelligence is worsening the matter because tasks that were previously done by people can be done by AI and this means that workplaces will need ve...
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DEAR WORKING PROFESSIONAL : WORKING IN ISOLATION MIGHT NOT MULTIPLY OUR FINANCES IN 2026

 I have been a keen observer of what helps certain employees to multiply their income faster than others. Many times the principles are the same. They do not work in isolation. This is most common with female employees. A number of female employees belong to a number of savings groups where they save little amounts but at the end of the day they amass money. This is a lesson to male employees who believe that working alone can enable one to achieve financial freedom.  Most of the rich people in Kampala belong to groups with like minded colleagues where they share ideas, experience and resources. The Bible says iron sharpens iron and therefore dear working professional, this is a key lesson we can emulate in 2026. It is very dangerous to think we can work independently and achieve massive success. There is power in collectivity and this is why National Social  Security Fund is able to pool resources from many employees and invest in various high yielding investments. ...
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THREE SECRETS THAT CAN CAUSE A REVAMP IN A WORKING PROFESSIONAL'S FINANCES IN 2026

 Money is the currency of life. Many dreams have been shattered simply because of absence of money. Many marriages have collapsed because of financial stress. So we have to do something about the financial circumstances. A few months back a young working professional approached me for guidance on how he could revamp his finances and let me take the opportunity to share with you the secrets that i shared with him. Secret 1 : Raise your financial expectations. It is surprising yet true that every great activity should start in the mind. All great companies started as ideas in the mind of a great entrepreneur and today they are employing thousands of individuals. A case in point is Coca Cola which was an idea that was developed and today it is a global enterprise. It is the case with Equity Bank which started as a small building society in Kenya and today it is a financial conglomerate serving over 20 million customers in Africa. In the same way dear working professional you can alter...
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WHY IS IT IMPORTANT FOR A WORKING PROFESSIONAL TO REFLECT ON THEIR FINANCIAL JOURNEY

 It was Aristotle who noted that an unexamined life is not worth living. We live in a fast paced world where it is easy to lose focus on the most important events of our lives. Today's financial landscape is fast changing and it requires an intentional mindset to overcome the most pressing challenges. To show how important it is to reflect on our financial journey, during the Covid-19 season two young men burnt themselves because they could not cope with the high cost of living. It means that the financial situation can even lead to death if not handled with care. Though handling finances is a personal responsibility, without adequate care and attention it can become a nightmare.  How come many working professionals earn a salary every month but they struggle to manage it yet we find a market vendor who earns less that a corporate able to use their finances well. That contrast needs to be analyzed. I have also visited microentrepreneurs who save regularly in more than one grou...
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