Lucy’s family was not poor. Her father operated his own business while her mother was a teacher. She was the first born in a family of 4; 3 girls and 1 boy. All of them attended good schools. Lucy met and fell in love with Joe while she was waiting to join college. She had lived a fairly sheltered life and ended up pregnant within a few months of meeting with Joe. She was afraid of the repercussions so she ran away from home and moved in with Joe, without adequate preparation for marriage. Needless to say, she did not join college as she had anticipated, since she was now married.

Challenges of Early Marriage

Getting married at the age of 20 and without a college education proved to be not all rosy. She had two children by the time she was 25. As time went by, it became apparent to her that there was so much she and Joe should have discussed before embarking on the journey to marriage. Joe worked for an international organization and his job was good. But he had a lot of responsibilities from his side of the family since he was the first born of 5 children and his family was not well off. Life was a struggle for them.

Lucy realized that she had taken too much for granted, that she should have brought up the issue of the extended family while they were still courting. Their lives took a turn for the worse when Joe’s mother was diagnosed with kidney failure and moved in with them. The house was small and crowding was not comfortable, but the biggest challenge was the toll on their finances. Affording basic necessities was no longer guaranteed. After her little kindergarten daughter missed basic items for a period of time, Lucy picked herself up and started to do what she could to earn income. She began by selling second hand clothes in her neighborhood. She could only manage to do this during the periods when her mother in law was at her rural home otherwise Lucy was her caregiver and could not leave her unattended.

Struggling to earn some money was not easy at all. Lucy would wake up very early and leave the house by 5.00 a.m. She had requested her neighbour to be keeping an eye on the house for her since she would leave her little boy sleeping and would be back to give him breakfast. She sold the clothes by walking around the neighborhood with the little boy on her back. Being a hardworking woman, her business was doing well and she was gradually improving the standard of living of her family. Lucy’s first priority when her business started to pick was to buy a smart phone, to help in the business. When she finally bought one, she set up a business page on Facebook. She would take photos of the clothes she had in stock and post on the page. Orders trickled in and grew steadily. Business was generally good though there were low seasons especially at the start of school terms. She went round it by having school items for sale at such times, including used text books.

Five years from the time Lucy first ventured into business, she had a successful online business which was still evolving as she responded to the needs of the market. The family was well fed, the children did not lack personal or school items and the family was generally happy because their finances had improved tremendously. They had even moved to a slightly bigger house in the same locality.

What is Women Empowerment and What are The Benefits of Empowering Women?

I encounter critics who view women empowerment in a negative light. Women empowerment means empowering women to participate fully in economic life across all sectors. Why do I consider educating girls and supporting them to get involved in gainful ventures – whether formal or informal – important? Why don’t I support the mentality of keeping women confined to traditional roles such as having their lives revolve around domestic chores?

Women who are not financially independent are more likely to lack self confidence, to be poor communicators and to be left out of important matters of decision making for themselves and their families. A woman who feels left out in decision making in the home is unlikely to be supportive of the decisions and neither is she likely to be a happy and fulfilled wife and mother. Being part of the decision making processes makes the woman own and support those decisions for the good of the family as a whole. Women who are more in control of their lives and not feeling like victims of circumstances are more supportive of the family than those who are not.

According to a survey, which was conducted in 2003 by the Ministry of Planning in Kenya, about half the women who were a part of the survey had faced domestic violence. They had faced it since the age of fifteen, and although the forms varied, they did feel the brunt of domestic violence from their own family members. Furthermore, a survey in 2008 (The Kenya Demographic Survey) suggests that 39 percent of the women who were a part of the survey had been abused by family members, and especially their partners.(1) One such form of conducting this violence is by using ‘controlling behavior’ namely, restricting access to financial resources. 1 in 3 women and girls worldwide – one billion – will experience violence in their lifetime. Women who face abuse often have no option but to continue living in the same house with their abuser as they lack financial independence, which would otherwise enable them to have choices in life.

Violence is a major cause of poverty. It prevents women from pursuing an education, working, or earning the income they need to lift their families out of poverty. Women and girls make up half of the world’s population. According to the United Nations, 70% of the 1 billion poorest people in the world are female. Women and girls are disproportionately affected by discrimination, violence, and exploitation. Too many are deprived the opportunity to an education and to basic health care services including access to contraception. Empowering women – besides creating lasting opportunities for women to lift their families out of poverty – reduces the burden of poverty in communities. Investing in women and girls makes economic sense for individual families and communities.

(1) The ugly face of domestic violence in Kenya, and laws against it; www.glad2beawoman.com

This article is written by Susan Catherine Keter, life coach, mentor, network marketing professional, freelancer and blogger.
Facebook: https://www.facebook.com/Financial.Literacy.Africa/?fref=ts
Twitter: https://twitter.com/SusanCatherineK

Trouble Escaping Debt

John was excited to land his first job with a commercial bank less than six months after graduation. It was a dream come true. He had heard horror stories about people who would be jobless for years after graduation despite having sent their CVs to every potential employer they could think of. He was now working with a big commercial bank and he felt in every sense a successful banker. He could easily access loans from his employer so he never lacked. He was servicing a car loan and as well as a personal loan which he used to enable him settle down in his new apartment when he started working. If he found himself in a really tight corner, he would easily organize an overdraft from his employer.

Time flies so fast and John did not realize just how fast this was happening until the bank he worked for announced that they would be downsizing. John found himself among those who would lose their jobs. He was initially in denial that this was happening to him. He continued with life as if the downsizing had nothing to do with him until it was his last week at the office and he needed to clear with the employer. That was the time reality hit him like a thunderbolt! He was shocked to suddenly realize that he would not be taking home any cash as compensation for the premature termination of his job, because he had loans that needed to be deducted from his terminal dues.

John went from denial to anger. How could his employer repay his 12 years of dedicated work in such an inhumane manner? He had a wife with 2 young kids and he needed a source of income to take care of them. His wife was a teacher but her salary would be inadequate to keep the family afloat. John went from being a successful banker to hustling for money. He tried his hand at selling stuff to keep his family afloat. Sometimes friends and family members gave him small jobs to do for them for a small fee, such as doing book keeping for a few days a month or renewing documents such as driving licences for busy people in his circles. Within 5 years, he was forced to sell the house he had struggled so hard to buy for his family while he was working at the bank. They moved to a cheaper house in some less prestigious part of the city.

Take Care of Your Finances

1. Pay Yourself First

This is very hard for many people because most of us were taught that putting our needs first before others is being selfish. We believe that putting the needs of others first makes us good people. If you are going to achieve financial independence, you will need to save first before paying anything else; utility bills, school fees, buying groceries, helping your parents or anything else. By saving first before you pay any bills, you will learn discipline, learn to live on less. This is because you will be forced to live on what is left after saving. If you live in Kenya, you can train yourself to be saving on your phone. Facilities such as Mshwari and KCB Mpesa are great facilities to train you to save. Your saving track record helps your credit ratings so it is a win-win situation. Loans from mobile based banking are very easy to access since you apply for them using your phone and you do not have to go to any bank for authorization. The M-Shwari Lock Savings is a savings account that allows M-Shwari customers to save for a defined purpose and for a specified amount of time. This account will help you not only save for a rainy day, but also earn you interest on your savings. Saving just got easier.

2. Avoid Consumer Debt

Do not spend money you have not earned. Credit card debt, car loan, advance salary and other loans taken for consumable goods are the equivalent of robbing you to enrich the owners of banks. These facilities are marketed very attractively as a way to make your life easier but if you are not careful you will sink under the weight of debt and getting out will be an uphill task. To achieve financial independence, get rid of high interest debts and free your money to work for you instead of for the owners of banks. To learn more about how to grow your assets column, watch this free webinar: https://attendee.gotowebinar.com/recording/1458000074890993164

3. Everyone’s Path is Unique so Don’t Try To Compete With Your Neighbors

The media is determined to completely distract us from our financial goals. There are advertisements all over the place telling us of all manner of offers that we cannot afford to miss. As if that is not enough, everyone in our circles seems to be our competitor. We attend an event such as a family gathering and everyone seems to be wearing the latest fashion, to be driving the latest model of a car, to be socializing in some classy joints and so much more. If you allow yourself to try and keep up with others, financial independence will remain elusive. 4. Build Your Assets Column. Do not leave your savings laying in a bank account for decades as that way you will be giving your bank a free loan to trade with and enrich themselves. Once you learn the culture of saving, you will need to invest your money in assets that generate income. Assets will grow your money. If you are an employee and want to learn how to grow your money, you may choose to partner with a good network marketing company where you will benefit from free training, coaching and mentorship that will prepare you for success. If you put in the work to learn the necessary skills, network marketing is a worthy venture to invest in, but be prepared to work hard and to be patient because success takes time to come.

4. Increase Your Value In The Market Place

This is one tip that you might never be taught by anyone yet it is very important for your financial independence. Improve your knowledge and expertise, learn new skills that improve your marketability, invest in your personal growth and development. This will help you to grow your income by opening the doors for growth. Do not fall into the trap that has blocked many from achieving financial independence, the trap of leaving your finances to chance. To be able to travel from Nairobi to Mombasa, you need to plan how to get there. And to be able to move from where you are financially to where you want to go, you have to make deliberate plan to get there. Take charge of your finances; it is 100% your responsibility.

This article is written by Susan Catherine Keter, a life coach, mentor, network marketing professional, freelancer and blogger.
Facebook: https://web.facebook.com/Financial.Literacy.Africa/?pnref=lhc
Twitter: https://twitter.com/SusanCatherineK

Richard had just completed high school and was faced with long hours of unstructured time as he waited for the next phase of his life; pursuing higher education. 

Technology has opened up the world of opportunity. You can now reach a wide audience with your services, without having to spend an arm and a leg in advertising.

Time spent online can be the most profitable, as long as you are disciplined and willing to learn how to use the Internet professionally.

This article is written by Susan Catherine Keter, Life Coach, Mentor, Freelancer and Blogger.
Facebook: https://web.facebook.com/Financial.Literacy.Africa/
Twitter: https://twitter.com/SusanCatherineK

Financial Independence Africa

Finding Career Path

Jimmy and John were buddies. They were in the same class in the university and undertook the same degree. Their friendship did not end once they graduated from the university as they remained in the same circles. They shared a lot over the years.He

If you invest in acquiring the skills and put in the work, network marketing enables you to become a big business owner in a few short years. Technology has made the work of building a business easier, but you have to invest in learning how to use it to your advantage.

This article is written by Susan Catherine Keter, life coach, mentor, network marketing professional, freelancer and blogger.
Facebook: https://web.facebook.com/Financial.Literacy.Africa/?pnref=lhc
Twitter: https://twitter.com/SusanCatherineK

Financial Independence Africa

Career Path Takes Unexpected Route

Julie and I had known one another from our school days. She pursued and academic career and was a lecturer at a local university. My career was less straight forward than hers. I quit my job less than 3 years into marriage in order to raise my young family. I was a full time stay at home mom for 12 years.

Being out of the job market for that long exposed me to a lot of experiences that opened up my mind to a whole new world. I learned to be open minded about so much. I also discovered so much about myself that I previously knew nothing about. I discovered things I am good at that I had never even thought about. When time came for me to resume my working life, I was a totally different person from the one who took a break from job. My interests, skills and expertise had changed a lot over the years such that I did not go back to the line of work that I left. Here is an article about my journey back to the world of gainful employment: http://www.nation.co.ke/lifestyle/saturday/Work-at-home-queens/1216-2858100-126vawq/index.html

Julie and I were chatting over a cup of coffee a few years after I just started working in the mental health field. She was wondering why I was wasting time doing things that were not related to my field of training in any way. I was at pains to explain to her that the small area we call ‘our profession’ is really not all there is to us. There is so much to an individual that the field of training does not capture. For example, my family struggled with mental health challenges and I found myself researching extensively about them and even presenting papers in international conferences. That was not my field of training but I was completely passionate about the field.

Being at home for years exposed me to what an average family goes through on a day to day basis in the struggle for survival. I went for shopping and to the market during normal working hours and even got time to chat with a vendor here and there. I saw what the average person goes through in their struggle for survival. I realized that probably 3/4s of the population had financial struggles. I also came to realize the relationship between poor mental health and poverty. I developed the passion to empower people financially. My profile does not fit into that of the average employee but I love what I do and I would not change a thing even if I had the option to. Julie voiced the opinion of many in my circles. I have met a lot of criticism over the years but I fully understand that it is not easy to be understood when one does not follow the path trodden by the majority. Sometimes we just have to follow our hearts and do what makes us come alive.

This article is written by Susan Catherine Keter, ife coach, mentor, network marketing professional, freelancer and blogger.
Facebook: https://web.facebook.com/Financial.Literacy.Africa/
Twitter: https://twitter.com/SusanCatherineK

Today I am going to address a topic that is rarely talked about. Let us begin by asking ourselves a question; Why do some people succeed while others don’t? Is it really about hard work only? Are there hard working people who are failures? Is it that some people are just lucky? Many things go into creating success and today we are going to address issues that are rarely addressed. Eliminate these 5 things and create your own luck. 1. Habits That Put People Off i. Smoking (smelling of cigarette smoke). There are people who cannot stand the smell of cigarettes. Others are allergic to cigarette smoke. If you are a smoker, I am not going to tell you that have to quit smoking, but you must have a way to keep the cigarette smoke and smell away from people. Maybe there is a good toothpaste you can use several times in a day (if you smoke more than once) or there is a mouth freshener that really works for you. Just ensure that you don’t lose deals because the smell of cigarettes puts people of. ii. Inappropriate dressing (ill fitting clothes: too tight, transparent, too short, excessive use of make-up, inappropriate choice of colours. There are certain colour schemes that don’t give the impression of being professional so choose your dressing code carefully). iii. Habits that disgust people such as picking your nose, chewing gum when talking to people, not using a handkerchief when you should, not smiling, not brushing your teeth, having body oduor, excess perfume/cologne, etc. Picture this scenario. Someone approaches you to look at a product she is selling. The sales person looks so upset you begin to ask yourself whether someone beat her up and forced her to go into selling. A smile does not cost much but it accomplishes so much, opens doors. Be pleasant and exude confidence and energy. Practice smiling often. Personal magnetism is very important if you are going to become successful in life. 2. Being Out of shape To be successful, you need to maintain your weight within normal ranges. Being excessively overweight shows that you lack discipline, that your are to lazy to take care of your health and well being. People will be asking themselves how you will be able to deliver on your promises when you cannot even have discipline in your own personal life. How many of the world’s most successful people are excessively overweight? You have to take care of your health and well being. Eat right (cut out junk foods, eat wholesome foods, avoid eating too close to bed time). Incorporate an exercise regime into your lifestyle as well as a good, natural, wholesome dietary supplement to fill in your nutritional gaps. 3. Lacking the Right Balance Between Being Too Pushy and Being Too Soft I remember years ago when I was working in a certain office. I was expectant at the time and a certain insurance agent was promoting some packages. He showed me the education package and wanted me to buy for my unborn baby but it was not a priority for me at the time. He would not take no from me and kept on coming to the office without appointment. It became too much till whenever I would see him walking in through the door, I would leave my desk and go work from somewhere else till he left. Has someone tried to sell you something you didn’t need and the person simply wouldn’t leave you alone? You said NO numerous times but the person would not accept your no, would keep going on and on about how great whatever they had to offer is. Have you ever blocked someone for being to pushy? Some people are too pushy while others are too soft, they don’t persist at all, don’t really ask for what they want. Those who are too soft give the impression that whatever they are doing is a bother and they are too happy not to push through with it. To be successful, you need to have the right balance. You believe in what you have to offer. You are excited about it. But you also know that it cannot be for everyone so you approach people with confidence, are assertive but not pushy. You don’t get upset and emotional about being told NO. You are able to ask questions without getting upset; “Sir, is there any reason why we can’t do business together? Do you have any concerns that I need to address?” You need a certain level of persistence without becoming a nuisance. 4. Not Being Truthful I am in the network marketing industry and I have seen a lot of people mess up big time by not being truthful. I know that it is tempting to exaggerate things and end up telling white lies in an effort to get ahead but it works against you in the long run. Repeat business and referrals hold the key to success so you don’t want disappointed clients. What good does it do to lie to a prospect that the product you are promoting will do what it actually cannot do? How many people get to hear about how ineffective that product is because it does not do what it is supposed to do? Under promise and over deliver. 5. Cut Out Distractions There are very many attractive things happening all around us. If you are in sales, there are very many good products and services you can market. I look back to the time I got started in the network marketing industry. I was completely inexperienced and ignorant. I used to think that I would have better chances at success if I had all manner of options to offer. If someone did not have a need for the dietary supplement I was promoting, I could show them the sanitary pads or probably the irresistible perfume. Failures diversify because of fear; if one fails at least the other one might succeed. How many successful people do you know who wear different hats, who ride two horses at the same time? To be successful, narrow your focus to very few things and by all means, focus only on one industry. Start paying attention to the small details and create your own luck. Set yourself apart from the multitudes at the bottom. This article is written by Susan Catherine Keter Life and Health Coach with Trevo LLC, USA Telephone number: +254728999136 Website: http://trevo.life/susanwamucii/

A single mother of 2 young kids, Kathy had been struggling to take care of her family’s needs. Her small business was not doing well and she was gradually sinking into a deep hole of debt. One day her friend Mary invited her to a women empowerment forum and she decided to attend, hoping that she would learn something to help her turn her life around. She could not believe what the speaker was talking about; that one can transform their finances by learning how to use social media to grow one’s business. Kathy was restless the whole night. She had struggled so much to build her business but it was as if she was losing ground by the day. By 3.00 a.m., she was up and seated at her old computer. She had not been paying much attention to the old computer since she was so busy struggling to make ends meet. Now it seemed like the neglected computer was going to open the doors of success for her. How can you leverage the power of the Internet to turn your finances around? In Business, there is power in Numbers Compare two businesses in the same sector; a large supermarket such as Nakumatt or Tuskys, and the small kiosk in your neighbourhood. Compare the numbers in terms of customers. How does that impact the success of these businesses? How much do big companies spend on advertising? Billboards along busy streets, TV/radio/newspaper/magazine advertising, etc. Can you build a big organization without reaching a large audience? How can you reach the big numbers without necessarily spending a lot of money? I often say that success is not handed to anyone on a silver platter. If you have to reach the big numbers without spending a prohibitive amount of money, you will need to put in the work. The Internet has already brought together a ready audience that you can engage, it means that your dream of reaching the numbers is not too far fetched. To capture at least a section of the online population, you need to begin with Personal Branding. This means that you will stand out as the expert in something. Begin by branding yourself professionally. These are components of a personal brand: * Professional Photo * Short resume * Give people value/post content through your posts * Be respectful in your online conversations * Genuinely care about people, talk less and listen more. Relationships are not just about you. People will trust you and cooperate with you when they know that you care * Gradually grow a following/fan base. Steve Harvey said that success is not like instant coffee, you’ve got to go through the process. Do not expect instant results. You have to build consistently and the results will surely come, but it will take time. Familiarize yourself with the different social media platforms. * Twitter * Facebook * LinkedIn * Google+ * Podcasts * Periscope * Instagram * Blog * Youtube * Snapchat Tips For Successful Use of Social Media Identify your target audience. Don’t just post with no particular audience in mind. What will you be posting in order to capture that target audience? The content you post should grab attention, be of high value, be engaging and shareable. Go beyond posting by engaging your audience. Like and respond to their comments. Post daily if possible but no less than three times every week in order not to lose your fans. Join the right online communities and socialize. Treat your time on on social media as being out in a party or like being out in a coffee house. Get to meet new people. Engage in conversations. Do not spam people/flash your business card in people’s faces left, right, front and back Show that you are a real person by engaging people and not just posting like a robot. Post content every day. Give people value and they will be attracted to you, find it a privilege to work with you. Conduct yourself online the way you conduct yourself in your day-to-day life. Imagine yourself at the bus stop. There are a number of people waiting at the bus stop too. You walk up to one person and the conversation goes something like this; ‘Hello. My name is Susan. I am a very good cook. I am inviting you to my house for dinner this evening…’ What results do you think you would get? Building relationships is the same everywhere, whether online or offline. Break the ice; ‘The weather is great today.’ ‘Those are great shoes you have over there.’ Communication is two-way; you cannot do all the talking and still build a relationship. Practice being a good listener and a good observer. God gave us two eyes, two ears and one mouth for a reason; use them in that order. Your success is up to you; it will take your commitment, dedication and consistency. People will take you seriously if you are consistent. Susan Catherine Keter is a Life and Health Coach with Trevo LLC, USA. Website: http://trevo.life/susanwamucii/ Cellphone: +254728999136

Richard had worked with an airline company for 6 years. He loved his job. He had married the girl of his dreams and they were blessed with a little girl who had just celebrated her 2nd birthday. His wife worked as a teacher in a school in the neighbourhood. Life was good.

The hardest work when it comes to breaking free from a cycle of poverty is working to transform yourself from who you are now to who you want to become.

Financial independence refers to the state of having sufficient personal wealth to live, without having to work actively for basic necessities. The financially independent individual has assets that generate income that is greater than their expenses. Everybody wants to achieve financial independence. No one wants to live a life of financial struggle. Why then do very few people get there? Financial independence does not just happen; it takes a detailed plan and the discipline to adhere to that plan. The Blue Print Imagine a scenario where you wanted to build a house. How would you go about building a house? Would you begin by purchasing building materials? To achieve anything in life, you must first begin with a plan, a blueprint. You must be clear exactly where you are and where you want to go. And, you must have the courage to go for it! Nothing is given on a silver platter so only those who have the courage to go for their dreams actually get there. To transform your life from where you are to where you want to go, you have to change. Many people are afraid of that process of change. They would rather remain in their comfort zone. Their lives therefore never change. To attain financial independence, you need to have an honest heart-to-heart talk with yourself. > What exactly does financial independence mean to you? (We refer to this as your dreams). Your dreams cannot be someone else’s dream so your definition of financial independence cannot be the same as someone else’s. > What is your current financial position? > What changes will you need to make in order to change your circumstances (your circles, how you spend your time, your spending habits, etc.) > What resources do you have to enable you reach your goals (skills, expertise, gifts and talents, networks, supportive people around you, tools such as a car, a computer, a smartphone, resource materials such as books, etc.) > What obstacles are standing in your way (a job that is too demanding, a young family that needs a lot of your time, a spouse who is not supportive, shortage of capital, inadequate skills and expertise, etc.) Once you are very clear about where you are, where you want to go and the resources you have to take you there as well as the obstacles that are standing in your way, come up with clear goals that you need to achieve in order to arrive at your destination. Break down your journey into manageable steps (short term goals that build up into the bigger goal). The Time Factor Being in the network marketing industry has made me see the reality of why most people never achieve financial freedom. The question most people ask when one is putting the foundation of their business in place is; how much are you earning? Financial independence is not achieved in a month or two. Imagine this scenario; you have set up your road map and a school is your plan to take you to financial freedom. You have put up the buildings, hired teachers and other members of staff and your planning is moving according to schedule. You are two years in the business and you have your first 50 students then someone asks you the question; ‘How much are you earning?’ You might still be operating at a loss at that point in time but building your business consistently will see you move to profit. Maybe you will break even in your 5th or 6th year. That does not mean that you are a failure. Success does not come that fast in normal circumstances. I often say that in network marketing for example, it will take you 3 to 5 years to build a strong foundation then you are ready to move into profit. There are exceptions to this rule but those are exceptions rather than the norm. How long does it take you to build a foundation if you want to become an engineer, a lawyer, a doctor or another professional? What about a career in sports? Attaining financial independence takes time and that is why many never get there; they are in a hurry and when it takes time to get there, they give and quit, move to something else. To attain financial independence, give yourself anything between 10 and 20 years of building consistently for your dreams to become reality. A very small minority attains financial independence. This is because it takes a lot of sacrifice to transform yourself from the person you are to the person you want to become. You must begin by understanding yourself; what has been working for you and what has been sabotaging you. * You spending habits (what needs to change if you are to transform your finances?) * Your income. (Can you realize financial independence with your current level of income and if not, how will you grow your income?) * Determining your long term financial goals and then coming up with a road map to take you there. If you were overweight and needed to get in shape, it would take sacrifice and commitment to reach your goals. There are things that you enjoy that would have to go (junk foods, habits such as spending hours sitting down watching TV, some friends who are you comfort partners, etc.) There are things that are not comfortable that will have to become part of your life (such as an exercise regime, discipline, healthy diet, etc.) For you to change your financial situation and move from struggling financially to becoming financially independent, there are things that will have to change. You will need to cut on your spending, meaning that there are things you will have to do without. You will also need to make changes in the way you spend your time, the people in your circles and much more. Success is not handed to anyone on a silver platter. To join the ranks of the successful people, you have to pay the price of success. You have to transform yourself from the person you have been to the person you picture yourself to be. This article is written by Susan Catherine Keter, Life and Health Coach, Trevo LLC, USA Website: http://trevo.life/susanwamucii/