Showing posts from February, 2015

Surely God Never Fails

I don't know how to express myself or use words that can truly bring out the sense of what I mean by "SURELY GOD NEVER FAILS". You can never understand the meaning and depth of light until you go through darkness and Light is all you long for. - Even though it is a tiny bit of light, the influence it has on lighting up your path and giving you clear vision, is something appreciable and that many can or should never take for granted.
Stories have been told of how people have been in a mess and in our human understanding or perception, we write them off like damaged cars that seem to be out of form for repair. But if you see things differently you could be the only one who says that I can bring back this car  to life. I must say that what the Bible says in Job 14: "At least there is hope for a tree: If it is cut down, it will sprout again, and its new shoots will not fail."is surely true. 
We might never understand the pain that someone has gone through or is go…

Celebrating the Life of the Late Arch Bishop Janani Luwum [16th February Day to Honor him]

I see no Christian write about the Late ArchBishop Janani Luwum but am not saying they should, I have read a few scripts written in the papers about this man, he was not only a person who detested Amin's dictatorship [they say he was a leading critic of the regime and had personally delivered a note of protest to the big man against arbitrary killings and unexplained disappearances of people in the country Uganda], Samuel Oduny in his commentary of today's The New Vision said "Luwum was a courageous patriot". 

PM Ruhakana Rugunda says "Janani Luwum stands tall in our history and as an example beyond Uganda's borders". It is still said that among his good deeds, "Luwum showed great care in the leprosy work in Gulu, holding thanksgivings services to those discharged from the hospital." 
I still can't believe that he was Archbishop for the province of the Church of Uganda, Rwanda, Burundi and Boga Zaire (DR Congo) - this is phenomal and most of…

When I Think About ...

It All Started With An Idea - Ideas are powerful especially when put to work When I think about the Watch your wearing, You are able to tell time just because someone sat down and thought, Instead of looking at the rising and going down of the sun, let me put something on their hands that can match the time of the day When I think About the clothes your wearing, Some one thought of not just covering you up but making you look good When I think about the car you sitting in or driving, Some one thought instead of trekking long distances and using horses, why not make a four wheeled car powered by an engine to take you from point A to B. When I think about the house you are in, Someone thought of making it that way so that you could not only have a roof on your head but that it could keep you warm when it is cold or protect you from thugs, bad weather etc When I think about the Inspiration you are reading now, The books you are reading now, the articles you are reading now, someone thought l…

How Honest Are You With Budgeting And Applying The Godly Principles Of Money In The Bible?

Proverbs 11: 1The Lord detests dishonest scales,
but accurate weights find favor with him.

2 When pride comes, then comes disgrace,
but with humility comes wisdom.

3 The integrity of the upright guides them,
but the unfaithful are destroyed by their duplicity.

I have come to realize honesty with myself and what I do opens a door for me. If i acknowledge am weak in a certain area, I am already showing that I need help from someone who is stronger in that particular area. While budgeting and planning out how to manage your resources these are some key things you will need to know:-
1. You Have To Be Honest With your state of life and work towards making it better, this will make you gain favor with God and his people.
2. In being honest, You Need To Be Humble - this leads to Wisdom and with wisdom you make wise decisions that will change your life and create a good environment for managing your finances.
3. You Need Integrity - as clearly explained, It GUIDES the Upright but when your unfai…

OBEDIENCE - A key tool to Financial Freedom (You WILL BE SET HIGH ABOVE OTHERS)

OBEDIENCE Have you ever wondered how such a strong word can blend into financial management. Just Give it A TRY, set your budget and obey the set standard and see the results compared to when you were spending with a plan or direction. One ACT of OBEDIENCE can translate into generation wealth Here is a scripture from Deuteronomy 28:1-14 " “If you fully obey the Lord your God and carefully keep all his commands that I am giving you today, the Lord your God will set you high above all the nations of the world. 2 You will experience all these blessings if you obey the Lord your God: 3 Your towns and your fields will be blessed.
4 Your children and your crops will be blessed. The offspring of your herds and flocks will be blessed.
5 Your fruit baskets and breadboards will be blessed.
6 Wherever you go and whatever you do, you will be blessed." ........ read up to 14
Be Blessed

Invest based on KNOWLEDGE and not SPECULATION

The same thing about knowledge comes back whether we want it or not. 
When we have knowledge we are informed. Some one once said that it is hard to manipulate people when they are informed. This same principle applies to financial management and investment in relation to your financial goals. When you don't have knowledge, it is a recipe for disaster, knowledge makes you make informed decisions and such can make you avoid GET RICH QUICK SCHEMES and appreciate going through the process of a well researched investment opportunity or product or service. I quote Sylvia Juuko "Any empowered investor will choose where to invest based on knowledge and not speculation, and this will be in line with heir financial goals" Remember Hosea 4:6 says My people perish for lack of knowledge

Continue In The Things You Have Learned

2 Timothy 3:14 But as for you, continue[be faithful] in what you have learned and have become convinced of, because you know those from whom you learned it, There are questions we must continue to ask ourselves, if we are to improve on how we do our personal, business financial management.
Am I continuing in what I have learnt by practicing it? Am I faithful to myself and to the application of the principles? Am I consulting even more concerning something I am struggling with? Am I reading to find out more about that subject? Am I networking with people in that field to learn from them?

There are certain habits we need to develop in relation to the questions asked, Timothy continued and was faithful in what he learnt as he practiced more and the source of the person who taught him was also authentic and that played a big part in his success story. A friend of mine called Bweme Antonio once mentioned that "When we develop the habit of success, we make success a Habit"


The best investment you can ever make is in your brain, scripture confirms this by saying we should be transformed by the renewing of our minds. When you aren't transforming, it means you are conforming to something. When it comes to financial management, the same principle applies, we need to keep learning and re-learning, we can only be changed by what we read and how we apply it... 2 Timothy 2:14 [KJV] Of these things put them in remembrance, charging them before the Lord that they strive not about words to no profit, but to the subverting of the hearers. 15 Study to shew thyself approved unto God, a workman that needeth not to be ashamed, rightly dividing the word of truth.

There Is A Benefit To Applying What You Have Learnt

Time is never in any one's hands and scripture actually says we should redeem time (probably one of the only things that can be redeemed) but it is one of the resources if not managed well, it can affect almost every thing we do.
We need Wisdom, When applied we can enjoy the benefit of it thereof..
I have mentioned before that there is a cost for reaching late, that price pinches more than ever and it all comes down to poor time management. So with this said and since time can be redeemed, It is never too late to change course and follow your passion and apply what you have learnt.
“Perhaps the most valuable result of all education is the ability to make yourself do the thing you have to do, when it ought to be done, whether you like it or not.” Psalm 90:12 "Teach us to number our days that we may apply hearts to wisdom" There is a story hear of a guy who got a Masters in MBA, did accounting but found his niche in chicken business, I guess nothing is impossible, it is just …

Goal Setting Gives You A Bench Mark

(One of the Most Important principles in life) - Can be applied to financial Management. Borrowing from scripture Paul said in Philippians 3:14 "I press on toward the GOAL [MARK] to win the prize for which God has called me heavenward in Christ Jesus." If you never have a goal in life, you will live aimlessly, the wind can take you anywhere without your permission
Goal setting is one of the most powerful tools any one can use to be successful in anything they put their hearts to do. It is something that is not usually taken seriously, I for one still suffers the fate of not fully adhering and pressing towards my goals, but each time I have focused and remained on course I have seen tremendous results, all you need is FOCUS, DETERMINATION and CONSISTENCY. If you set out to read literature for 30 mins every day and you maintained that, you will acquire information and you will always remain relevant, In fact a study was done that one of the habits of wealthy men is to read s…

Making an Extra Buck (Money)

As I write this, I guess this is one question that lingers so much in the minds of many people, How do I make Extra Money? I don't know if it is just a mindset issue or it's our upbringing that plays into the way we think, work and do many other things. At least one thing am very sure of is that God has blessed all of us with a set of skills, either taught from school or colleagues, also self taught etc But some how there is something we can do with is. Some of them have been classified into hobbies or just something someone loves to do. You could be the person who has loves photography and you do it as your hobby, if you were serious enough, that could be turned into an opportunity to make some extra income, you never know if it went to higher levels with deeper commitment and focus it could turn into a business. It could be cooking or baking cakes, decorating, book reviews etc. You could be living in a very spacious place and have many rooms or outside squatters that can be…

Empowering People With Financial Skills

Excerpt from an Article I wrote on December 11, 2014 on the N-Trust Investments Financial School Here is it's Facebook group that you can join
This becoming even more necessary and everyone who gets an opportunity should seek to learn [Learning never stops]. This morning I met 2 security guards around Wandegeya. I asked them why they do sports betting [Gambling] and they said, "You know us guards don't get much" and it can take us a while however we save part of the money we get from the bets. However I told them that if they managed their finances well and put it into investments that can grow, then they can be able to build some wealth. I gave them an example of how I used to save coins and made about 500k at a certain point. But they said that in the gambling they do, if they put 1000 ugx and got 40,000 ugx then that's not a bad deal and that they try to save it too but still I asked where they put the money o…

Improving Financial Knowledge

One of the benchmarks of personal finance is the KNOWLEDGE YOU HAVE acquired all over the year in regards to finances. I once wrote and said if reading stops then learning stops. I am fascinated by this story of Ben Carson [From the Book Gifted Hands] ".......Sonya Carson saw her two kids spending small time on homework, and so much time on the TV. In her head, she was scared; scared that the kids might end up having only a 3rd grade education. She turned off the TV, and from then on, the Carson kids were only allowed to watch 3 shows a week, and at the end of every week, Curtis and Ben were to bring to their mom a written book report on 2 different books of their choice. Mrs. Carson wanted her kids to improve their knowledge,instead of watching TV so much. Mrs. Carson later made them memorize the times table. This system went incredibly well for Ben. His grades started improving tremendously, and at school, people used to make fun of him for his poor grades. Now, all that stopp…

START Something around the area of your passion

Passion is the Fuel for Purpose, It is needed, the Love to Do and the Love to Will
A GOOD READ for everyone, If you have an idea, it can become your business, Get the skills, be patient and keep growing, After reading the story of these two brothers, I guess it defies the odds that nothing is impossible, even family members can do business together, just have a vision, purpose and passion for what you do... It is the time for young people to RISE.. With God all things are possible.
START Something around the area of your passion as long as you can solve a problem with what you do.. they chose to give quality videos, customer care etc

6 Reasons People Stay in Debt by Dave Ramsey

The worst thing that can happen to any man or woman is the DISEASE called DEBT, it is a form of financial slavery that many Banks that loan money never want to educate their subscribers about. The bible teaches that a borrower will be a slave to the lender. Having read an article from Dave Ramsey, I agreed with many of the reasons listed, they could be more that you yourself knows but here is a list:- 1. They Want to Keep up appearances 2. They are unwilling to sacrifice 3. They fear change 4. They are addicted to stuff 5. They don't know how 6. They are lazy
You could read more from the article and see if anything affects, then DO SOMETHING ABOUT IT, you just need to change your attitude and start off ..

Compound Interest

The first time I read about compound interest was from the book "MAKE SENSE OF YOUR MONEY" by Mr James Abola. Having understood the principle, I said let me teach my wife what I have found out but more so I gave her the book to read so that she could chew the food and get satisfied on her own. Today as I checked our account, I indeed saw a big change and I must say - knowledge can only be really valuable when put to practice
This is what compound interest is from Wikipedia - Compound interest is interest added to the principal of a deposit or loan so that the added interest also earns interest from then on. This addition of interest to the principal is called compounding. A bank account, for example, may have its interest compounded every year: in this case, an account with $1000 initial principal and 20% interest per year would have a balance of $1200 at the end of the first year, $1440 at the end of the second year, $1728 at the end of the third year, and so on.
Ben Cars…

Health Is So Important To Work, Service, Business & Financial Management

One person may ask, How does health play apart in my financial management. I would only say one thing ask the people who are sick how much they are spending or how much is being spent on them. If you went to Mulago [Our Referral Hospital] or any hospital in the world, you will agree that one of the greatest asset a human being has is HEALTH. The bible teaches that a merry heart is like medicine to the soul [Proverbs 17:22] and I agree that is very true. It has been written in the scriptures that we need not to worry [Mathew 6:33] instead seek the Kingdom of God and his righteousness, this is because WORRY can not add anything to your life. One of the things that make us get sick, starts with the state of worry which then brings in stress and we know it's one of the number factors that kills people. Heard of people who get heart attack or high blood pressure, they will tell you they were stressed [worried about this and that]. I write to encourage us to watch what we eat [personal…

Some Tips From A Friend "Edward Hire"

1. Pay God first and then pay yourself second. For all income you earn, take 10% tithe and 10% for saving. Most people tend to find reasons why they cannot afford to save. Maybe
you are one of them! They often complain of small income or expensive bills, children are demanding and all kind so of reasons. How can God bless a storehouse that you do not have? Deuteronomy 28:8 “The LORD will guarantee a blessing on everything you do and will fill your storehouses with grain. The LORD your God will bless you in the land he is giving
you.” – Edward Hire Yosia 2. Ten to 50 percent of your salary should go to work for you. Money in the purse is only gratifying to the soul; so put your money into you savings plan and less in your purse for immediate and easy spending. 3. Learn to live on less than your purse(i.e what you eventually have left after servicing your savings plan) and learn to live on less than your salary. The Indians are good at this. They are frugal. 4. Don’t be in a hurry to invest. Tak…

Tainted Wealth Has No Lasting Value

Proverbs 10:2 NLT [2 Tainted wealth has no lasting value, but right living can save your life.]
It is always a good thing to sit back and ask yourself, am I making this money the right way, I am being faithful with myself, family and workplace in regards. There is a high quest to make money and this can tempt anyone to do the most outrageous things which are against the word of God. And because of that we think we are doing the right thing forgetting that what we do now shall also affect our children. If you are to make money, even when it comes to profits let it not be blown out of proportion, it is good to make profits but the right way - Proverbs 16:11 NLT [The LORD demands accurate scales and balances; he sets the standards for fairness.]. Remember the LOVE FOR MONEY [Not Money] is the root of all evil. This comes as a reminder that money can be made the right way and you can always be happy without any form of guilt. At the end of the day as the scripture says RIGHT LIVING CAN SAVE…

How You Use Your Resources At Home, Will Determine How Much You Save

Sometime back while looking at our home expenditure with My wife, we wondered if the BILLS could be an issue at home especially WATER & POWER. But while I was still at my moms, there is a principle I learnt of switching off lights while not in use and indeed it makes sense, why should lights be on when not in use, I know anyone would want to have the whole house lit up and looking like some CELEBs house but it really doesn't add up to anything. The vital principal I learnt from my mom came into play when I got married , I told my wife about saving on power by switching off lights and this played into our favor. We also don't keep the taps running anyhow Recently I was asked by someone how much I spend on power BILLS and I told them 20k [20,000 UGX] a month and the same also for water, they couldn't believe but that's the truth. When it comes to using the Micro wave, we used it when we really need too, otherwise Gas or the charcoal stove can warm the food or cook i…