Getting a pay rise comes with a sense of victory that’s difficult to ignore. It means your work has been noticed in the right places. However, much as it’s an achievement, the good tidings it brings along can be lost if you act on excitement alone and fail to handle the extra income properly. 1. Take the time to understand taxes Don’t plan for the extra income until you understand exactly how much of it will end up in your pocket. It’s easy to get excited about the figure on paper, forgetting that it will be taxed before it gets to you. If you’re familiar with taxation, you can do your own calculations to know what your net income will be, but it may be best to wait until your new income reflects either on your pay slip or in your bank account before you plan for it. 2. Go slow on increasing your spending You’ve probably been struggling to pay your bills, and the pay rise seems like the universe is giving you a break. However, avoid making any drastic changes in your lifestyle, unless it’s an emergency, such as medical tests or treatment you couldn’t afford earlier. This is not the time to move into a more expensive house, change your car or the furniture in your house, or transfer your children to more expensive schools. Avoid rushing to give handouts to the needy people in your circles, too. Know if news is factual and true. 3. Review your budget This is the ideal time to take a fresh look at your budget, assuming you’ve been operating with one. If you haven’t, then start by reviewing your expenditure over a three-month period. Factor in every expense, no matter how insignificant. Include costs that are not monthly, such as motor vehicle insurance and school fees. Identify areas where the extra income could most impact your life positively in the long term. If you’ve been struggling to just stay afloat, identify areas where you can reduce your expenses rather than simply using the salary bump to keep you afloat. Anything that will translate into increased income in the future is a good choice. Put the extra money into a tool that will grow your income, such as a laptop or a juicer if you are in the design or juice-making business. You’re not likely to go wrong with investing in wealth-growing tools. 4. Establish an emergency fund Open an emergency fund and save up six months to a year’s equivalent of your living expenses. This will serve as a safety net in case you experience sudden job loss or other circumstances that could dry up your income stream, including an accident, serious illness or death. 5. Cushion yourself against the burden of dependants Do you have dependants or potential dependants, and who are they? It may an unpopular move, but you’ll need to secure your future by reducing their burden on you. It doesn’t mean cutting them out completely. Are your parents retired? Include insurance cover for them as part of your expenses. Do they have a source of income? If not, invest in a source of income for them so that they don’t have to rely solely on you. Is your spouse dependant on you? Look for ways to empower him or her, such as paying for a short course that will increase their value in the market. My husband paid for my training in public speaking and mentorship when he got promoted – I was previously a housewife. 6. Pay your debts off Take advantage of the salary rise to clear lingering debts and negotiate new repayment plans, especially on high interest loans. This will not only improve your credit score but also save you money you’d have paid out in interest. Becoming debt free is important for your future financial freedom, so make it a priority before you begin to enjoy the money. 7. Prepare for retirement The best time to start putting money away for retirement is when you earn your first salary. A pay rise is a great way to secure your later years by increasing the contributions you make to a retirement package. 8. Reward yourself You most likely worked hard and made sacrifices to qualify for a pay rise. To continue being productive, invest in yourself. Pay for membership in a club or society where you network with people who will inspire and motivate you. Take up a more wholesome diet. Pay for gym membership so you remain physically fit. Pay for an annual holiday or a weekend getaway with your loved ones to relax. The writer is a blogger on financial freedom. Read more at: https://www.standardmedia.co.ke/article/2001257729/how-to-plan-after-pay-rise
Have you encountered someone who hated their job so much but when you suggested that they could venture into business they freaked out, quickly letting you know that not everyone is cut out for business? Are such people productive, do they have skills they could sell? They most likely do. So, why do people fear the idea of venturing into business? What fears do you need to confront before you can successfully build a business? Fear of success As weird as it may sound, many people don’t want to be burdened by the pressure of future expectations by others once they have successfully pulled off a task. They fear that they have to do better each time. Solution Let that pressure be the driving force that will push you to become a better entrepreneur and provide better goods and services. Think of it this way, would Steve Jobs have made the iPhone had there been no pressure on him to introduce a better version of it every time it shows up in the market?
Fear of failure This is the most commonly believed reason for the cessation of one’s progress. You never try to get ahead of where you are, because you don’t want to lose what you’ve already earned. It always insinuates the ‘What If’ element into your mind. What if I could never be better than the person standing next to me? What if I try and I fail? What if I lose everything? Solution Think of the opportunities that life presents and not the obligations. Also rest in the fact that failure is the stepping stone towards success and therefore you must embrace it. Fear of appearing money minded People are comfortable giving foodstuffs or clothes to their friends and relatives but they are uncomfortable asking to be paid, forgetting that it cost you money as well. People are conditioned to feel that when they ask for pay, they appear money minded. There are countless people who will not ask for pay when someone asks them to do something for them. This fear has roots in conditioning about money, that money is the root of all evil. Many have been conditioned to feel like they are good people if they are not money minded, that they are virtuous when they help people without expecting anything in return and are evil when they charge. This mindset does not work in business, which requires that one asks for pay for goods or services rendered. Solution Begin by putting a value to what you are offering. Maybe you are selling eggs. Sit down and evaluate what it takes for you to have those eggs. You bought chicks, built structures to house them, bought feeds for months, worked daily taking care of them or paid someone to do it for you. How much is your time worth? Say Sh200 an hour. How many hours do you work daily in order up till the eggs are ready for sale? Keeping accurate records is very helpful. Fear of what other people will think Acceptance by people around us is something everyone craves. It is scary to have people disapprove of our choices and criticise them. We have been conditioned from a young age that having a job is something to be admired and that building a business is reserved for people who have not succeeded in their careers. You will discover when you begin to build a business that many people including family members will portray a negative attitude and even discourage you, more so when your business is still struggling. Solution Recognise that their advice to you is motivated by their own fears so don’t let them distract you. Let your long-term goals inspire and motivate you to stay focused on your chosen path. Keep telling yourself that people have their own problems to worry about. They have no time to focus on you and what you are doing with your life. Fear of appearing proud To build a successful business, you have to brand it and sell that brand to the masses. This entails putting your business out there to be seen. Fear of publicity is usually the fear to appear proud. “I am so and so and I offer 1,2,3….” Many people feel like they are proud and arrogant by branding themselves. Solution You want to build a business so you have to break free from the conditioning that not being bold to tell the world what you have to offer is a sign of humility. Be bold and promote your services with no apologies. Believe in the value you are offering. You are making people’s lives easier. Fear of taking responsibility It is natural to fear to be put on a pedestal and be judged. It is easy to hide who you really are for fear that people might not approve if they get to know the real you. Building a business attracts publicity and puts one in the limelight. When you start a business, people will judge you by the success – or lack of it – of your business. Solution Focus on the rewards of building a successful business. Your life will be transformed for the better. It is worth it. Fear of asking for help To build a successful business, you will need the support of different people; help in form of advice from people who are more experienced than you, partnership with other people in similar ventures, financing and other kinds of support. Letting other people know that you are struggling and in need of help is difficult. Solution Asking for help is something you will need to practice until you get comfortable with it. Keep reminding yourself that people are willing to and feel good when they help, that it boosts their self-esteem and attracts blessings into their lives.
Fear of the unknown Our human mind is designed to remain in it’s comfort zone. This is why we face a lot of resistance mentally while treading an unknown path. But it is also a universal fact that no great achiever ever did something out of the box while sitting on the couch and watching TV. Solution If you want to be successful, then you’ve got to do what Robert Frost says: “Take the road less travelled”. I believe that the comfort of easy is far more dangerous than the fear of the unknown. Transcend your fears, shatter your limits and go as far as you can to see what life has in store for you. It is, therefore, up to you to strengthen yourself, work on your resilience since you desire success. Read more at: https://www.standardmedia.co.ke/business/article/2001290314/fears-you-need-to-overcome-to-build-a-successful-business
Kenyans have watched unfolding horror stories on TV as house helps and nannies abuse or even kidnap little children who are left in their care. Some toddlers have been sexually abused and in some isolated cases, some have lost their lives. Many urban families in Kenya have working parents who leave their homes as early as 5.30am and get back home as late as 7.30pm, thanks to endless traffic holdups on our roads, especially in major urban centres such as Nairobi and Mombasa. As a family with young children, you might decide that the mother becomes a stay-at-home mum so she is available to take care of your children. Many women fear the idea of not having a source of income and I don’t encourage that either. I encourage stay-at-home mums to explore ways to earn income from home. There are many different ways that a stay-at-home mum can earn income from home working online, thanks to technology. There are also offline businesses that a stay-at-home mother can do from home. I would like to explore the possibility of earning income from home by turning part of the space in your house into a play centre for little children and toddlers. You can provide childcare solutions for busy mothers and earn income in the process. This is a great way for a stay-at-home mum to get started in business. Operate legally Begin by registering your business so that you are able to operate legally in Kenya. A business name or enterprise is the most basic form of business. You may also register as a company limited by guarantee or a limited liability partnership, which you can do later as your business grows. Space Ensure to have some free space to accommodate the extra children as a congested space is not conducive for children. You might need to store away some stuff in order to create space, preferably have a spare room devoted to the children. Some outdoor space is also very important. Decor Paint and decorate the room in colours and patterns that suit the ages of the young children. Invest in some toys, crayons, paper, small plastic chairs and a few small mattresses. For the safety of the children, ensure that the toys and furniture are appropriate for their ages. Glass topped tables and cabinets that easily topple over should never find their way into the children’s space. Parents who leave their children with you should be able to feel comfortable about the place where their little ones spend their time. Activities Learn fun activities to keep the little ones entertained such as painting, childhood games, songs and stories. Invest in some simple story books that are appropriate for that age so that you can be reading them for the little ones. Above all, put your heart to it so that the little ones get to enjoy your company. Advertising and publicity Start small and grow. Let the mothers in your neighbourhood and others in your circles such as family members and fellow church members know that you take care of little children. You can target those below school going age, five and below. As you grow, you might consider maintaining online presence such as a Facebook page, a blog, and an Instagram page. Professionalism You are starting a business not a hobby, and business should not only be professionally run but should also not get disrupted whenever something unexpected happens in your life. Plan for unexpected occurrences such as your unavailability due to illness or other commitments. It is important to have someone trusted who can stand in for you during such times. You may consider training your house help to be your assistant. This can be a chance to grow in her career. Ensure your assistant is adequately trained in areas such as first aid, safety and childcare. Also have a few reliable back up part time staff that you can call up in case you need extra help. Always take precautions when identifying people you can entrust with children. Demand for references and certificate of good conduct. Don’t focus on the quality of work only as you could jeopardise the safety of the children under your care and their families. Keep in mind that children can be very trusting and can end up giving very important information to a person they spend their time with. You can’t afford to be careless when selecting staff to work in a daycare. Satisfied clients are the key to your growth so go the extra mile to keep the children happy, entertained and healthy. Be cautious about safety, hygiene, the quality and handling of the food the little ones consume. Hygiene Hygiene and cleanliness are critical when it comes to taking care of children so never compromise on that. Some daycare centres give the option of children bringing their own snacks while others provide food and charge for it. Preparing fresh food is a great way to minimise risks of food poisoning. Many parents are afraid when they leave their little ones with house helps whom they do not know that well while others need somewhere to leave their little ones when house helps leave without notice. Daycare centres are in demand and there are families who would appreciate the service so do a good job and you will attract clients. Plan long term Plan long term since you are likely to expand as word spreads and more and more parents entrust their little ones with you. Many schools and daycare centres actually begin in residential areas and move to more suitable premises as they grow. A daycare centre has the potential to eventually grow to incorporate kindergarten services. Read more at: https://www.standardmedia.co.ke/business/article/2001289388/are-you-a-stay-at-home-mum-start-a-daycare-business
John – a single man in his late 20s – was a hardworking, dedicated employee. A designer, he had worked for an international advertising agency for five years. His world was turned upside down when the company he worked for restructured and he was among those declared redundant. His employer was supportive, organising a series of seminars to prepare those who were retrenched for life outside formal employment. They also received two months’ pay as a sendoff. John quickly registered a limited company with himself and his younger brother as the directors. His brother was still at the university and dependent on him, so he didn’t have any money to support the business. John took a loan from a sacco, to supplement what he was paid by his employer. He rented office premises, paid 3-months’ rent in advance and also bought basic office furniture and equipment. He was all set to go into business. John knew what his business was to achieve. With very many small businesses in Kenya and many of them struggling to stay afloat, he was ready to offer advertising services to them at an affordable fee by focusing on online advertising strategies, which is cheaper than traditional advertising. He spread the word to the people in his circles about the services he was offering. Many seemed excited about it and promised to get back to him but two months down the road, none had made good their promises. He was getting desperate. He did not have much in savings and he still had bills to pay. Luck finally smiled at John when a family member and a businessman who operated a construction company sought his services. They negotiated and agreed on the scope of work to be done and the pay. John was to begin working on the project immediately and would be paid 40 per cent upon completion of some deliverables and the balance upon delivery of the final work. He really needed cash, and this was his lifeline. John learned the hard way the challenges that start-ups face, especially if one is new to the world of business. He put in long hours and delivered the work on time, but the client kept shifting goalposts concerning payment. John had accepted the work on trust because the client was a family member. He had not insisted on a legally binding contract before embarking on the work. He already had a loan he was servicing and no cash-flow. The rent for the office was one month overdue and if he did not pay up by the end of the month, he risked being evicted and probably auctioned. John’s case is not unique to start-ups. 80 per cent of start-ups fail in the first five years and here’s why this is so and how you can avoid that. 1. The product or service People who start their own businesses are usually led by passion about something. Their start-up is likely to be based on their area of expertise and not a realistic research of what the market needs. They make emotional decisions rather than business decisions. Does the market need your product, and do you have a unique selling point for it? Who are your competitors? Are you going to do a better job than the competition such that you can dislodge some of the clients from them? 2. The target market Do you know who’s going to pay for your product or service and how much they are willing to pay for it? How will you communicate with your target market? If you target the wrong market, chances of success are nil. 3. Cashflow Most people go into business with limited funds, hoping to make money from the venture. They assume that the business will soon generate income and become profitable yet that can take a year or longer. Will the product/service you are marketing deliver enough income to keep the business going when your seed funding runs out and if not, what are your alternative sources of funds? 4. Business is much more than passion Many people are so passionate about what they have to offer that they put all their energies there, neglecting the un-enjoyable aspects of running a business such as record keeping and understanding taxation. The wake up call is usually when the business owner realises that there’s no money to pay bills and that signals the beginning of the end. Without money, there can be no business. Working alone requires a high level of discipline and some level of experience. Hiring is scary for start-ups, especially because there is no assurance that the cash-flow in the initial stages will be able to pay salaries. A new business owner can make use of part-time staff or freelancers, students who are on internship or volunteer services from family members. 5. Marketing No matter how great your product/ services, there can be no business unless the market knows about it. Many startups fail because their services are not known by enough people. Read more at: https://www.standardmedia.co.ke/business/article/2001287606/five-business-start-up-mistakes-to-avoid
Recently, I was horrified to read in mainstream media that a house help had murdered her employer together with her (the employer’s) 3-month-old baby boy. It was a murder most foul and it left many Kenyans reeling in shock.
There have been many horrifying stories in the media of house helps mistreating little ones who are left in their care. There are also cases of theft and other crimes committed by domestic workers, including kidnapping of children.
You might have gone through the Employment Act 2007 and wondered how you can afford to maintain a house help in today’s economy. Hiring a house help is out of reach for some Kenyan households, with conditions such as:
A monthly salary of Kshs. 11,000/-
52 weekly working hours and anything beyond that to be compensated with overtime
1 day of rest every week
21 day annual leave with full pay
3 months maternity leave and 2 weeks paternity leave with full pay
Pay NHIF and NSSF contributions
If you leave the house by 6.00 a.m. and are back by 8.00 p.m., it means that the hours your house help works are above what is permitted by law and so she is entitled to being paid overtime, which is calculated per every hour worked above the 52 hours per week. There are no salary regulations in Kenya especially among private employers, with many Kenyans earning kshs. 50,000/- and below. It is very possible that you the employer could actually be earning less than or just around what the law requires you to pay your house help, yet you have to meet the cost of housing, transport, utility bills and other expenses that a domestic worker does not incur.
The law might not be enforced as yet but you never know what will happen in future. You might find yourself facing a law suit for not obeying the law.
You may be a mother with young children and you might have faced nightmare after nightmare with house helps. Maybe you are wondering how you can balance your career and parenting. Can you give up your career and stay at home to raise your little ones yourself?
It is terrifying to give up a career and be totally dependent on your husband, especially with many marriages hitting rough patches along the way and some ending in divorce. With courts allocating the matrimonial property based on the contributions made by each spouse in case of divorce, it seems like married women are caught between a rock and a hard place. Probably you are a single mom and can’t afford not to have a source of income. It is important to have the security of a career.
The good news is that with proper planning, you can still run your house hold efficiently without having to hire a house help. The sooner mothers learn how to do this, the better for them. For one, technology has made it possible to build a rewarding career working from home. There is a wide range of careers that one can pursue while working from home. Check out this article about different ways that a mother can earn a regular income working from home.
To earn income working from home requires successful time management skills.
Develop and implement a daily routine
Domestic chores can be very demanding and especially if you have to care for little ones. Many mothers with young children are known to say that they have no free time as their hands are full.
To be able to accomplish your work every day and have spare time to devote to building your career from home, you need to be a good manager of your time.
Establishing a daily routine is a great way to get the most out of your day. You are able to prioritize and cut out unnecessary activities that would otherwise steal time from you. You also enjoy peace of mind that comes with being in charge.
To accomplish all you plan to achieve, having enough energy to last the day is very important. Begin the day with some self-care time in readiness for the day ahead. It helps to wake up earlier than the rest of the family so that you have time to yourself.
Read/watch/listen to something uplifting. Take some time to meditate so that you calm the mind. Engage in some physical exercise and do some deep breathing exercises. Start the day with a balanced meal. Breakfast is the most important meal of the day. It will give you the energy you need to last you through the day.
There are activities that consume a huge chunk of time for a work from home mom. You need to learn how to manage these activities so that you save on time. One of these activities is washing of clothes. Many households rely on a house help or a temporary mama wa kufua (a woman who is paid to wash clothes) to wash clothes. I have great news for you! With the equivalent of what you pay a house help in a single month, you can buy a washing machine that will take over the task of washing clothes in your household.
Saturn ST-WM1615 portable mini washing machine that has timed wash and rinse cycles is able to handle up to 2.5 kgs of washing. Saturn products are affordable yet innovative and durable too. This particular model does not come with a spinner so you still need to either invest in a hand wringer or to wring your clothes by hand, the way you normally do when you wash by hand. It is small enough to transport in the boot of you car when travelling upcountry. Click on this link to order your Saturn ST-WM1615 portable mini washing machine and have it delivered at your step if you live in East Africa. Type out or copy paste the code: SH20170820002223829922 when making your order.
You do not need to rely on a live in house help. Invest in equipment that will save you time such as dish washers, microwave ovens, food mixerssteam irons and vacuum cleaners and you will be able to take care of your household chores without the need to hire a house help. Only hire a temporary domestic worker over the weekends when you are at home. Do weekly shopping for foodstuffs. Do the bulk of the cooking and store cooked grains and chopped vegetables in the fridge, making your work of preparing meals for your family easy and fast. Cut up fresh vegetables like cabbages, kales, cauliflower and broccoli. Dip the cut vegetables briefly in hot water, drain and allow them to cool before packing them in separate tupperware and storing in the fridge. Team up with the temporary domestic worker and do thorough cleaning then all you do over the weekends is to maintain.
Train your children from a young age to clean up after themselves. With teamwork in the family, you can keep the house clean and neat and run smoothly without a live in house help.
This article might contain affiliate marketing links. By clicking on them, you are redirected to safe platforms where you can order different items and have them either shipped to you or delivered to your doorstep.
Fresh juice has diverse benefits to the human body, from weight management to treating some health conditions. There is a market for a fresh juice business. Begin by registering your business name and getting the necessary licenses so that you operate legally.
Identify your niche. This will require some research about different juices and their benefits. Will you focus on fruit or vegetable juices or a combination of both? Are they just for refreshment or for specific benefits such as home remedies for ailments such as bloating, heartburn, fatigue, low energy levels, healthy weight management, etc. Read my story about how juicing helped me to regain my health after I was diagnosed with depression, high blood pressure and a number of other health complications here.
Do not rush to try and make a sale. Do your research carefully and give your audience quality information that they will keep coming back for more as a trusted source of information. Give credible information about real issues that affect human beings, the causes of those challenges, what to do to manage them, what juices are beneficial, etc. Educate people with passion.
Much as research is important, do not rely on researched information only. Take those juices or give to people in your circles to try them out and give you feedback. It is very good to read and apply what you read but it is more important to put the information you read to test.
For a business to succeed long term, you need to begin with a business plan: where will you operate from (from your house or hired premises), how will you promote your business, who are your competitors and what will you do differently in order to dislodge some of their clients from them, packaging and labeling, distribution channels (research possible companies such as Sendy, EMS, G4S, etc.) Come up with long term projections (up to 5 years) but prepare a very detailed and comprehensive plan for a one-year period.
Do a detailed budget of all you will need in terms of equipment (juicer, packaging bottles, labels, etc.) Choose a juicer that gives you value for money. Saturn is a reputable brand that produces household equipments such as microwave ovens, refrigerators, washing machines and blenders, among others. Saturn products are powerful yet energy efficient and are built with high quality materials for durability. The craftsmanship is state of the art.
The low noise Saturn juicer is made from stainless steel and accommodates upto 1 litre of pulp, making it possible to juice whole vegetables or fruits. It has safety locks, overheat protection and non slip feet. The Saturn juicer does not disappoint; it gives you natural tasting, refreshing juice every time. The juicer comes with a 2 year warranty.
How will you market your juice? Will you rely on online or offline marketing strategies or both? Prepare detailed budgets and don’t leave out anything. Research about and plan for the different licenses you will need as your business grows. Plan for the outlets you intend to open, staff you intend to hire, increase in equipment, increased expenditure, etc. You might start with no employees but yourself and with basic equipment such as one juicer but plan for growth.
If you focus on healthy juices, you might have to consider using organic ingredients, which will cost more. Come up with your own juice recipes. This will require a combination of research and experimentation. Try out different recipes, give some to some people in your circles to sample on condition that they give you honest feedback. Note down every detail in terms of feedback plus your own experience when you sample.
Identify your supply of fruits and/or vegetables. Some are seasonal meaning that they might not be available some times of the year. Will you grow some of the vegetables and/or fruits (which you can do even in containers in your veranda or balcony). If you can buy from the farmers direct and in bulk, you will be able to save on costs. You can also identify sellers in your area and negotiate good prices for bulk and long term purchases.
Every business takes hard work and persistence to become profitable. Be ready to put in the work and to also learn quickly from mistakes and make modifications. Learn to handle disappointments as you will definitely encounter some as you build your business. Stay focused and be patient no matter how long it takes to build a successful business. A juice business is lucrative so you should be able to build a business you will be proud of, probably even supply big customers such as supermarket chains.
This article might contain some affiliate marketing links. Clicking on them will redirect you to safe platforms where you can order products. Orders are delivered to your doorstep in certain countries and payments made upon delivery.
I remember years ago when I was part of a team that was offering psycho education in health facilities around Nairobi and neighboring areas like Kiambu. One thing was apparent; many patients who portrayed symptoms of common mental disorders such as depression and anxiety would often go home without as much as having the state of their mental health assessed.
They would have their symptoms such as headaches, backache and gastrointestinal problems managed and they would go home without being seen by any mental health professional, not even a social worker to evaluate what sort of circumstances they were living in.
Something else I learned is that in most cases, people who struggle with common mental disorders are struggling with some stressful conditions back home such as a loved one with a substance use disorder, violence or some other form of abuse. Without history taking, their conditions would not be properly managed.
Needless to say, these patients would be back at the health facilities over and over again and the management of their symptoms would continue.
There is a glaring shortage of mental health professionals in many medical facilities in Kenya, especially at the grassroot. Most neighborhoods have a few clinics operated by private practitioners. Government health facilities are not as many and they range from level two (health centre) to level 6 (national referral hospital).
Over the years I have interacted with many young psychologists, some of them young graduates and others still pursuing their studies at various universities around the country. On thing that is unfortunate is that when I meet with them years later, hardly any of them are practising psychology. Some are selling insurance while others are operating small businesses such as selling ladies clothes, shoes and handbags. The reason is almost always the same; they did not get jobs.
I remember one time a woman approached me after a psycho education session with mothers attending post natal clinic. She told me that her son had a diploma in pharmacy yet he had been jobless since he graduated almost 3 years earlier. I asked her what he was doing and she said that he was just at home with nothing to do.
I told her that to change his life, he needed to change that. Sitting at home with nothing to do does not help anyone’s career in any way. Getting out there and ensuring to get noticed in the market place is the way to unlock opportunities.
I gave her an example of the health centre where we were. There was no pharmacist yet medication was being dispensed daily. What if he made himself useful volunteering in such a place rather than staying idle at home? He might not earn anything but he would gain experience and get himself a good name among people who are capable of opening doors for him.
Millions of Kenyans are suffering because of lack of psychological services in primary healthcare. Ironically, there are trained psychologists who are out of work, many ending up ditching the psychology profession for the insurance industry or some other sales business.
The power of volunteering
I learned a very important lesson from Jim Rohn. He said that before someone ever paid him to speak, he had given thousands of free talks. For someone to recognize your worth, you’ve got to get noticed first. How will you get noticed if you stay in the house waiting to hire him?
Get out there and serve. Sign up as a volunteer with organizations that respond to disasters such as the Red Cross. Practice what you are trained to do. Psychological services are always needed during disasters.
Visit health facilities and introduce yourself, show what value you are ready to offer on voluntary basis. A lot of patients who need psychological services often don’t get them because they are not available. Give people value and transform lives. If your services are not needed in one facility, try a second and a third one. Do your best just as you would do if you were being paid.
Reach as many people as possible with your services. Start a blog and share information to help people. Join Quora and answer relevant questions. Start a Facebook page and use it to educate people.
No one offering you a job? No worries. Put in the effort to create employment for yourself.
The doctrine about submission in marriage is one of the most misquoted and misused Biblical teachings about marriage. Any kind of teaching requires wisdom. For submission in marriage to be taught to a group of people, some basics need to be in place.
1. Submission in marriage is a Biblical teaching. It only applies to families that subscribe to the Biblical teachings as the foundation of their marriage.
Both husbands and wives must subscribe to the same school of thought and they must be grounded in scripture. It cannot be taught in situations where husband and wife subscribe to different schools of thought.
For example, a husband is a criminal or an abuser then the wife is a Christian and she is advised to submit to him, meaning that she submits to his decisions yet he is led by by a spirit that is contrary to God’s word.
What spirit or value systems will she be submitting to exactly? Confusion sets in that “My husband has ordered me to engage in group sex or to procure an abortion….” Can a God fearing wife submit to that kind of leadership?
2. Couples must be adequately prepared for marriage. That means that they have been helped to address baggage such as damage caused by unfavorable upbringing environment which includes but is not limited to child abuse and/or neglect, unhealed pain from past relationships, unhealthy cultural beliefs and practices, etc.
They are born again, new creations in Christ Jesus for behold the old is passed away. They have been instructed and brought up in the ways of the word of God.
3. These people are part of a supportive system such that not only do they have people to adequately prepare them for marriage, walk with them and guide them as they find their way; but they are also accountable to someone.
Have you ever wondered why submission in marriage is taught within a church setup and not out there on the streets or in the clubs? Because God has entrusted shepherds who feed His children His word. The word of God is food for His children; it is not for the sinner.
With such systems in place, the chances of the submission doctrine being misused to be an tool of abuse and oppression are minimized. A God fearing man desires nothing but Christ’s leadership in his home.
Man submitted to Christ, steering his family to serve the Lord the way Abraham the father of faith led his household and his record is in the Bible that he pleased God. The family is indeed submitted to Christ, the author and finisher of their faith.
Affiliate marketing is referral marketing or sharing profits with an individual or company that owns the products or services you market. It means that you refer customers to a business that you do not own, for commissions. The products or services you promote don’t have to be your own. You make money by promoting products or services online. This means that you make money by driving online traffic to the website of a merchant, who is either the manufacturer or the retailer of the products. Affiliate marketing is performance-based marketing so an affiliate is only paid when a sale is made. The merchant rewards the affiliate for business resulting from their efforts.
Why Choose Affiliate Marketing?
Affiliate marketing is one of the easiest home based businesses to start. Anyone can join an affiliate marketing program because it is normally free to join and no special skills are required. One just needs to complete a form and is ready to get started. There is no need to produce or stock any products so the costs that are involved with running a shop – including an online shop – are eliminated.
No business premises
Affiliate marketing offers a wide range of products, platforms, and markets to choose from. Training tools, books, personal care products, household items and much more are just a few of the possible options. However, to build a successful affiliate marketing income, one needs to learn Internet marketing skills.
Is Affiliate Marketing a Get-rich-quick scheme?
Do not imagine that all that you need to do is to set up an affiliate marketing site and dollars will flow into your bank account without doing any work. Affiliate marketing is real work. It is not a get-rich-quick scheme. You will need to invest in knowledge, acquire skills and put in the work.
What skills Does one need to succeed in Affiliate Marketing?
Affiliate marketing, like other online jobs – requires critical thinking and a high level of creativity. It is a wide field and one needs to understand where to fit in. Being a marketing job, one needs to learn marketing skills and especially online marketing. Some of the skills such as data analysis are technical. Success is about the traffic to one’s sight and that needs to be interpreted. Much as one normally sources services such as blogs and websites from others, it is important to have basic programming and web design skills. Success is based on performance and since one has no boss over them, it is critical to know how to self motivate. Time management skills are also very important, meaning that one needs to prioritize and do what needs to be done when it needs to be done. Problem solving and people skills are important for long term success.
Affiliate marketing requires consistent effort. You need to not only attract a substantial amount of people to your site but you need to convince at least some of them to buy. You don’t have to pay some guru a handsome amount of money in order to reveal some secrets to becoming an overnight millionaire. There is no shortcut to success. You have to learn by doing. Learn more about how to succeed in affiliate marketing here.
The good news is that there are a lot of helpful blogs, websites, and videos to guide you as you get started on the road to becoming a successful affiliate marketer. You will just have to discover what works for you through practice and more practice.
What will you market?
First, you need to identify your niche, something you can be passionate about. Choose quality affiliate products or services that match your niche, those that you can be passionate about. You do not have to restrict yourself to any particular product. Give yourself permission to experiment with different products and you will eventually discover what works for you. You can be successful marketing many different products on different websites or blogs. Give your affiliate marketing career your all if you want to make it big.
Your niche might be hair care and choosing haircare products would easily fit in with what you are already doing. Alternatively it could be skin care. Do not become a jack of all trades and a master of none. If you have to handle different niches, have separate websites, blogs or YouTube channels for each of them. Select a credible affiliate marketing platform also. Do your research before you make such decisions.
Become your own boss
Be your own boss. Take charge of your life. Set your schedules, set targets for yourself and commit to continuous learning. Evaluate your progress regularly and make modifications as you learn and grow.
Do not focus on trying to make a sale as that won’t keep those who are not interested in buying something here and now. Give people value and they will keep on coming back to learn helpful information. You want them to be around to buy from you when a time comes for them to buy. Make them your faithful followers.
There is no fixed income since the affiliate marketing business is volatile. All days are not the same. An affiliate marketer has no control over the products or services on the affiliate marketing platform. You can drive traffic only for clients to be disappointed by the merchant’s services or quality of products.
Increase your chances of success by finding out as much as you can including the percentages you get paid on your efforts plus how often you get paid.
It is also good to note that some affiliate marketing platforms do not permit email marketing. The client, therefore, belongs to the merchant. That has a negative impact on your income since you will not get paid on subsequent sales by the customer you introduced.
It is helpful to build trust with the visitors to your affiliate marketing site by letting them know about your affiliate relationship. If you give people value and give them a reason to keep coming back, they are likely to order through your link even in future. That is why it is important for them to know that you are an affiliate and that you get compensated when they buy from you.
Affiliate Marketing Running Costs
Affiliate marketing though free to join does come with some costs. You will need to have a computer and to also be connected to the Internet. Setting up your affiliate marketing site does also come with some costs that include securing a domain name or getting your website designed.
You will also discover that to attract adequate traffic to your affiliate marketing site, you might require an advertising budget. You might need to boost your Facebook page or Instagram ads.
Bloggers, coaches and people who train online can earn extra income through affiliate marketing, which can be incorporated into existing home-based business. This can make running the business cost effective. Online writing and transcription trainers can promote laptops and computer accessories such as keyboards and headphones.
Your Affiliate Marketing Strategy
Blogging works very well with affiliate marketing. You will need to decide what works for you; a blog, a website, social media platforms or a mix of more than one. Setting up an informative blog and driving traffic to it from social media is an effective affiliate marketing strategy. Setting up a YouTube channel is also very effective. Videos are fun and interactive. Unlike offline marketing efforts or door-to-door marketing, all sales happen online. This is very suitable for stay-at-home moms and people who would like to earn extra income working from home during their free time.
Affiliate marketing does require a lot of effort at least in the initial stages but if you do it right, you can earn passive income once you get the flow of things right and automate some functions. This can free time for you to focus more on your family or to participate in activities you enjoy such as traveling. The Internet has transformed the world into a global village and as e-commerce grows around the world, there is a lot of money to be made in affiliate marketing. This is something you can do in your free time, as a secondary source of income. Susan Catherine Keter transformed her life from a stay-at-home mom to a work-from-home mom.
What kind of fuel do you use to cook and to heat your house?
Do you know that out of the 7 billion people in the world today, almost half of them – majority in the less developed world – are exposed to household air pollution through the use of charcoal, firewood, kerosene, crop waste or animal dung as household fuel?