FROM A FRIVOLOUS SPENDER TO A SAVVY SAVER

There’s something that keeps calling out to you, it's deep within your heart. You hear it every waking moment: whether you're on your commute to work, spending yet another Saturday working overtime in the office, working on your side hustle late in the dead of night or sitting on the couch binge watching Netflix — you find yourself frustrated because deep down in your heart you know that there is more to your life than this.

The life you’re currently living feels off, it feels like you’re sleep-walking through life. Your Life is not bad but it’s definitely not what you want, you want more than average, and you know that you are meant for more, hence the frustration. Your DREAMS keep calling out to you, and they won't stop until you answer the call.

Your frustrations stem from the fact that your dreams seem TOO BIG, almost out of reach, but you can't shake them off because they are yours - YOUR DREAMS. You want that dream house, you want that dream annual vacation, you want to spend more time with your family, you want that business launched yesterday. "If only I could make more money. What can I do to make more money? You think to yourself, but you just can't seem to find an answer and your frustration gets deeper/stronger.

What if I told you that you don't need to make more money? Would you believe me? You see, there's a psychology to money that most people don't seem to grasp, but I am here to help you grasp the psychology of money so you can do your money better and reach for your dreams without frustrations.

Wait a minute, why should I listen to you? What has money psychology got to do with fixing my money? I am glad you asked, but please hold your fire for a second, let's get officially acquainted with each other, shall we?

My name is Waithera, I am the second born who found herself playing the role of making sure school fees for my siblings were paid on time. Don't ask me why my parents gave me this task because I don't know...maybe we'll find out together, but I did it very well. Maybe I deserve an award, not sure what it would be called though.

Fast forward to my early 20’s after leaving college, I got my first job and felt ready to take on the world. Being an adult and earning a salary was something of a lifetime achievement at the time. I dreamt of the many ways I could spend my newly found ‘riches’, and since I was still staying with my parents, I had no expenses. And I was ready to blow my salary on the things that 20 something year olds find meaningful - clothes, shoes, make up, food and going out. When my first paycheck was imminent, it's as if my mum sensed this and sat me down for a mother-daughter talk. She was excited and proud and saw this as an opportunity for me to take on some responsibilities around the house. She immediately handed over the internet and household shopping bills, as a way for me to contribute to the household responsibilities. We also agreed that I would commit to an amount, no matter how small, to put away as monthly savings.

Based on my salary and new household expenses, I had room to put away KES 6,000 ($60) every month. At the time I wondered what difference putting away such a small amount would make and couldn’t envision how this would translate into a meaningful step towards my savings goal, but I stayed the course and quickly adjusted to my pay without this amount.

By my third job, I still wasn’t where I wanted to be financially. I was earning a low pay and missing out on investment opportunities shared by friends. Working in a Bank and getting cheaper loans, I had the desire to get a mortgage and move out of my parents’ house.

At this point in my life, I had learnt to take good care of my money by being consistent with my monthly savings and the banker’s mindset at play. However, my pay could not accommodate a mortgage repayment yet. A year into the role, my manager called me in and told me that he would increase my pay, based on my performance and bring me up to the midpoint for the grade. I was now able to afford a mortgage, but needed to raise the 10% down payment. I dug into my savings, which by this time had grown to KES 300,000 ($3,000) and borrowed the remaining amount from my mum and paid her back in a few months.

As I continued on this journey, I educated myself on money matters - how best to save, invest and learn how to better spend my money so that I could do the things I loved to do, like travelling. This removed the stressors around money and gave me a confidence boost in dealing with money matters.

The sense of hope and pride kept me going as I recalled instances in my life when I had risen above situations that at the time seemed insurmountable and that I couldn’t see beyond. Contributing to the overall household budget at my parent’s made me feel grown and that I was contributing my fair share. Or that time when I saved towards self sponsoring my MBA over a period of 18 months.

I also love to travel and through these practices I have been able to save towards travelling to several locations on my bucket list. These moments kept me going and allowed me not to get stuck in a ‘lack’ mentality, but rather kept me moving forward toward a more promising and attainable financial future.

Money can be scary to confront and feel complicated, but you can change this and get comfortable with money. Money isn’t just about buying you things - it provides peace of mind and calm to live your life the way you want to. On your own terms.

Along the way, I have casually brought along my friends, whom I was able to help make better money choices. I want to contribute something meaningful like clarity, peace and healthy enthusiasm around money and ultimately create a positive change in people’s lives. So, step into it, reach out for help from a financial coach and you will be glad you did.

Long introduction, but you asked for it. Well maybe not, it's just important that you get to know a bit about me so you can make an informed decision.

With the intro out of the way, let's now talk about you.

Like most people, you were probably thrown into the world without financial education, so you’re struggling to take control of your finances and fund your Dreams and Ideal Life —If you think and believe that money is scary, daunting, excruciatingly tedious, and hard to understand, that's about to change because you’ll finally…

Have a chance to spend money on what matters to you like:

Enjoying luxury experiences,

Starting a college fund for your children

Put together a practical plan to purchase your Dream House

Dare to imagine a life where you can travel more, move across the globe, or become location independent without stress.

Finally SAY YES to your dreams without sacrificing spending time with your family "trying" to earn more money.

I get it.

You want that dream house,

You want that dream annual vacation,

You want to feel more in control of your money and life,

You want to feel less anxious about budgeting,

You want to feel more hopeful about your financial future today,

You want that business launched yesterday,

But you just don't seem to have enough money.

AND YOUR DREAMS NEED MONEY FOR THEM TO COME TO LIFE.

Well, you're in luck today, because I am here to help you do your money better.

"But it's not that easy, I have tried everything." You say. I hear you, and I know I can help you because I have overcome money struggles in my own life, and I have helped other people do the same. Will you be the next person that learns how to practically do their money better?

Let Me Help You Do Your Money Better

Let Me Help You Map Out Your Financial Independence Journey

Let Me Help You Make Your Dreams Come True.

Become a Savvy Saver today with my signature course that will show you exactly how you need to do your money and answer to the call of your dreams with a BIG YES.

"Ready to move from a Frivolous Spender to a Savvy Saver? Grab Your Copy of the only course you need to do your money better.

PLEASE CHECK YOUR EMAIL TO GET A LINK YOUR COURSE. BE SURE TO CHECK YOUR SPAM FOLDER IF IT DEOSN'T ARRIVE IN FIVE MINUTES.

It's time for you to map your way to Financial Independence and move from a FRIVOLOUS SPENDER to a SAVVY SAVER for just $7.