User talk:41.215.29.158

1.   Did you have a pre-planned budget? By this, I mean always have a budget before you receive your end month salary. This will help you know where to spend what amount, your planned budget draft does not need to be complicated as such, just have a piece of paper, write down all that you are planning to fulfill in that particular month. This will give you a clear picture of how you are going to spend your money effectively  which  in turn will relieve you from “Monthly Begging Syndrome” 2.   Did you consider alternatives? One of our failures especially during end month is that we rarely take into consideration for alternatives. We want to spend and live like Kings forgetting that what we earned cannot sustain such kind of lifestyle. For example, if I live in Umoja Estate and work in town, how many alternatives do I have in form of transportation from my residence to my workplace?Using Umoja still as my example, the alternative mode of transport is through using a train. Now how is this going to help me from being a beggar? If I decide to use train which charges 40 shillings to town and 40 shillings back I would have saved close 50% in transport as compared to when I use Matatu which charges 80 shillings to town and 80 shillings back. This, in turn, leaves me with something to save for future use. 3.  Are you living a luxurious life? Back to how we travel, whereas we prefer good thing like traveling in a matatu pimped with free Wi-Fi, 42’ inches screen TV and high-tech sound system. But my question is what the bottom line of boarding a bus? ; -To reach the destination safely. So what will it cost you in boarding a bus charging 70 shillings rather than going for a pimped ride charging 150shillings because and at the end of the day both of you will reach your destination peacefully and the one who used 70 shillings would have saved 80 shillings. Further, still, he can use 50 shillings from the 80 bob balance to buy airtime and alternatively save 30 shillings for tomorrow. 4.   Did you reconsider you addiction rate to things like gambling, drinking etc? Quite a number of us lose huge chunk on our salaries to things which are not necessary at all. Betting has been identifying one of the areas where a lot of our salary disappear to. Take for example if you were to bet with 50 shillings daily for 7 days that translate to 350 a week and 1750 shillings month if you subtract this from you salary you will find that you are running towards the negative value of your salary. Even though most of us will argue that at one point in time you will win a bet but my question is how sure are you, since are from my economics class, I was taught that betting risk cannot be mitigated. Anyway, the bottom line is that we should avoid such addictions at all cost. Let us invest our money in areas where returns are certain even if it is little return. — Preceding unsigned comment added by Cliffkatiku (talk • contribs) 02:44, 11 February 2017 (UTC)

Cliff_Katiku

November 2017
Hello, I'm Jusdafax. I wanted to let you know that I reverted one of your recent contributions —the one you made with this edit to Kenyatta family— because it did not appear constructive. If you would like to experiment, please use the sandbox. If you think I made a mistake, or if you have any questions, you can leave me a message on my talk page. Thanks. Jus da  fax   02:02, 9 November 2017 (UTC)
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April 2018
Hello, I'm Ebyabe. An edit that you recently made to Ryan Reynolds seemed to be a test and has been removed. If you want more practice editing, please use the sandbox. If you think a mistake was made, or if you have any questions, you can leave me a message on my talk page. Thanks! ‖ Ebyabe talk - Border Town  ‖ 05:21, 11 April 2018 (UTC)
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