Why personal finance.

In the wake of this pandemic, my eyes have been opened to the fact that we need better money management agilities. In other words, personal finance proficiency.


Hypothetically speaking, what would happen if the government were to call for a complete lockdown?

In such an event no one would be permitted to move about.

How many of us would survive more than a week without running out of food and supplies? Not many.

Save, budget, invest.


Well, what if we learned how to save a little, budget and invest? Just think about it.

We’ll learn some essential skills, like spending less than we earn, making your money work for you and protecting your money.

Even in the worst scenario where the economy is plummeting you can have somewhere to rely on apart from your current job that may or may not be lost.

If this were to happen again (God forbid it did) we would be in a better position to overcome it,having learnt these essential skills.

We would endure it more comfortably without the worry of going broke. Since all we need (such as food, rent, shelter, medical care and also education in most cases)could be catered for.

budgeting tips for beginners

The suggestion

What I am suggesting is that we learn how to manage the little we have.
This is because no one can predict the future.

Therefore it is prudent to have something on the side to support us in times of a catastrophe or any life-threatening pandemic. Consequently, we can and will feel secure.

savings tips for beginners

Have you ever heard of an EMERGENCY FUND and If so do you have one?

In the coming weeks, I’ll be disclosing more about where, how, the do’s and don’t ‘s on how to handle finances.

This is to help us avoid singing the same song every year in the face of an emergency.


Moreover, these tips will also apply when there is no cause for alarm like having money to spend with your family and have fun.

My main concern will be to help us know how to set up an emergency fund and everything else in between.

Would you like to have an extra $1 in the pocket at the end of the day?

Of course, you would, but this can only happen if and when we are aggressive and open-minded enough to see opportunities knocking at the door and grab them.

how to make money on campus

Are you ready to change your lifestyle as early as now?

This Post Has 103 Comments

  1. Ian

    Impressive,I’d like to learn more about personal savings

    1. Gertrudenjeri

      Thank you Ian
      I’ll get to work on all things savings

  2. Kinyanjui Nuthu

    Woooow nic nice! Can’t wait for the next to learn.

  3. Manje

    Exceptional organization of well thought ideas ..keep Going Njeri

  4. Mzaledo Dennis

    This is much consumable

  5. Lydiah Muteru

    This is credible Geti…Keep up …. Eagerly waiting for the next one.

  6. wanjirufloo

    Good job

  7. Dan

    Incredible Getty

  8. James

    Awesome

  9. Vee

    Good work!! ,, thanks for sharing …Can’t remember the last time I read such an inspiring blog…
    My words can’t explain this enough…..
    Thaaanks..

    1. Gertrude Njeri

      Welcome. I am humbled by your words. Thank you for the comment.

  10. Kim

    Awesome info njeri.. I got to start saving

    1. Gertrude Njeri

      Thank you.. You do that. My mission will be half way complete

  11. Like!! I blog quite often and I genuinely thank you for your information. The article has truly peaked my interest.

    1. Gertrude Njeri

      Welcome.
      I’m happy that you found the blog resourceful

  12. SMS

    I used to be able to find good info from your blog posts.

  13. JudsonUDeniz

    I’m now not positive the spot you’re obtaining your information, but
    good topic. I must spend a little while learning considerably
    more or understanding more. Thanks for magnificent info I had been searching
    for this information for my mission.

    Here is my website … JudsonUDeniz

    1. Gertrude Njeri

      Welcome

      We are happy that you found the information helpful.

  14. EfrainUTayag

    As the admin of this web page is working, no doubt very soon it will be well-known, due
    to its quality contents.

    Also visit my webpage; EfrainUTayag

  15. เว็บไซต์แทงบอลที่ดีเยี่ยมที่สุด
    ถ้าเกิดมองเป็น มองดูให้ออก ก็รู้ว่าเว็บไหนดี ก็จะเพิ่มความง่ายมากยิ่งขึ้นในปัจจุบัน ที่กำลังจะได้รู้กันแล้ว เว็บแทงบอลไหนดี เว็บไซต์ไหนตรง กับความต้องการของ นักการพนันทุนน้อย
    อย่างพวกเราๆซึ่งเพื่อเรียกความเชื่อมั่นกับกรุ๊ป นักพนันบอลมือใหม่ มีหลัการให้เลือกชมดังนี้

    เว็บแทงบอลจะต้องมีความน่าไว้ใจ
    เว็บแทงบอลคุณภาพ ดูดีได้รับมาตรฐาน เว็บไซต์มองง่ายมีเนื้อหาครบบริบรูณ์ รายการแข่งขันบอลล่วงหน้า มองบอล ตารางพนันบอล แทงแชมป์ สถิตคู่บอล ฯลฯ ซึ่งเราจะกล่าวได้ว่าคนไม่ใช่น้อยอาจผ่านตากันมาบ้างแล้ว บนเว็บไซต์พนันบอล ยิ่งเว็บแทงบอลสีฟ้า จะเห็นนานหน่อยเว็บใหญ่โบราณ

    สมัครชิกแทงที่เคยแทงบอลก็จะแบ่งแยกออกในทันที ว่าเว็บไหนตามมาตรฐาน ไม่เสี่ยงปิดเว็บไซต์หนีอย่างไม่ต้องสงสัย ฐานที่ตั้งอยู่เมืองนอก ที่ถูกตามกฎหมาย ไม่มีกังวัล ยกตัวอย่างเช่นที่ตั้งของโต๊ะบอลในแถบทวีปเอเชีย ฟิลิปปินส์ ,ฮ่องกง ,มาเก๊า เป็นต้น

    คุยกับผู้เล่นที่เคยใช้งานมาแล้วจริงๆ
    ถ้าหากสนทนากับคนที่เคยใช้งาน เพื่อนเสนอแนะ มาบอกปะทุญกับสมาชิก ช่วยเรียกความน่าเชื่อมั่นได้เยอะ ดีกว่าการอ่านเขียนรีวิว มาจากไหนๆเพราเราก็ไม่รู้เรื่องหรอกว่า อันไหนรีวิวจริง อันไหนรีวิวหลอก

    เสนอแนะเพื่อนพ้องหรือถามไถ่มาจากคนรู้จัก ก็ช่วยให้การ
    แทงบอล ไม่ยาก โดยที่นักพนันบอล เองก็เรียนรู้วิธี วิธีเล่นบอล สอนกันง่ายดายมากยิ่งขึ้นซึ่งทางเว็บเองนั้น พวกเราก็ดูจากการ เติบโตของไลน์แอด ยิ่งจำนวนคนรับใช้งานมาก ก็บอกได้ถึงมีผู้ใช้งานจริงๆ

    โปรโมชั่นพนันบอล กับโบนัสฟรีเครดิต
    โปรโมชั่นพนันบอล คือสิ่งที่เย้ายวนใจเหล่านักพนันบอล ไม่ว่าจะเป็นพวกเก่ารวมทั้งสมาชิกใหม่ เป็นอย่างดี ซึ่งตามกฎของธุรกิจแน่ๆว่าไม่มีไหนที่ ยอมทำแล้วขาดทุก แทงบอล
    100 ได้เงินเป็นหมื่น เป็นแสน อะไรมันจะกล้วยๆขนาดนั้น

    โปรโมชั่นแทงบอล ช่วนสมัครพนันบอลว่านอนสอนง่ายแล้ว จำเป็นจะต้องดูข้อจำกัดที่ลงในเว็บด้วยว่าง่ายแค่ไหน

    ผู้ให้บริการเต็มใจบริการ ดูแลลูกอย่างอย่างดี
    บริการลูกค้าระดับวีไอพี มีปัญหาพร้อมดูแลลูกค้าได้ตลอดเวลา คือหน้าที่บริการที่ดี ซึ่งผู้ให้บริการแทงบอล
    นั้นควรจะมีระบบดูแลลูกค้าตลอด 1 วัน จะปรึกษา
    หรือ มีปัญญษต่างๆก็พร้อมดูแลเสมอ เพราะลูกค้าเอง ก็มิได้ว่างตรงกันเสมอ

    ความมากมายหลากหลายสำหรับในการติดต่อ ยิ่งในเวลานี้ลูกค้าจะถนันทางด้านไลน์ @
    จะนิยมกันสูงที่สุด ถ้าเกิดคนใดต้องการทราบว่าเว็บไซต์แทงบอลไหนดี รวมทั้งทดลองแอดไลน์ เว็บแทงบอลสโบเอเอเอ ลองดูครับ เว็บพนันบอลที่เยี่ยมที่สุดในทวีปเอเชีย

    ถ้าหากให้เราเสนอแนะเลือกให้ ควรต้องมองคุณภาพให้บริการแทงบอลออนไลน์ ที่ได้รับมาตรฐาน ไม่เป็นอันตรายสูงสุด เปิดให้บริการมาอย่างเป็นเวลายาวนานกว่า 16 ปี มีฐานที่ตั้งเว็บแม่ในทวีปเอเชียอย่างประเทศฟิลิปปินส์ ได้รับรางวัลการันตีเว็บไซต์พนันดีเลิศ 2 ปีซ้อน ทำให้มีลูกค้าเข้ามาเลือกเล่นอย่างต่อเนื่อง แล้วก็ได้ลูกค้าเอชียมากที่สุดอีกทั้งนักเล่นการพนันคนใหม่รวมทั้งเก่า

    ด้านการเงิน เชื่อมั่นมากมาย
    เชื่อถือได้ 100% ทั้งมีความมากมายหลายในด้านการให้บริการ ฝาก-ถอน สะดวกได้เร็ว เปิดให้บริการตลอด
    24 ชั่วโมง

    เกมกีฬาให้เลือกวางเดิมพันนานาประการ ไม่ว่าจะเป็น แทงบอลเต็ง บอลชุด ฯลฯ ค่านํ้าที่ดีเยี่ยมที่สุด กีฬาอื่น
    ก็มีให้เลือกเล่นตามความต้องการได้เลย ไม่ไม่หมดแค่นั้นทางเว็บ sbobet นั้นยังได้เปิดให้บริการคาสิโน สล็อตออนไลน์ หวยค่าคอมมากมาย พร้อมยังมี เทคนิคการเล่นเดิมพัน ให้ทุกสัปดาห์

    การเลือกเว็บไซต์แทงบอลออนไลน์
    หากท่านเลือกเล่นแล้วก็พอใจหลายห่วง ไม่มีความรู้สึกไม่สบายใจ ไม่ถูกโกง ยิ่งถ้าใครกันแน่เกลียดชังโดนเว็บพนันโกงแล้วพวกเราชี้แนะเลย sbo แทงบอลออนไลน์ ลำดับต้นๆของโลก เว็บยอดฮิตมาอย่างช้านาน
    มั่งคงจะไม่มีอันตราย ตามหลักทฤษฎี แนวทางเลือกเว็บพนันบอล ที่เราได้นำมาฝากทุกคน ถ้าท่านต้องการเข้ามาเป็นส่วนหนึ่งกับพวกเราก็ ลงทะเบียนสมัครสมาชิกฟรีวันนี้ พร้อมรับโบนัส โปรโมชั่นมา

  16. This excellent website certainly has all of the information I wanted concerning this
    subject and didn’t know who to ask.

  17. I am in fact pleased to read this weblog posts which consists of tons of helpful data, thanks for providing such
    statistics.

  18. releasebb

    What’s up, I desire to subscribe for this weblog to get most up-to-date updates, thus where can i do it please help.

  19. politics

    The original of thіs ԝork, La Psychologie deѕ Foules, ѡɑѕ fіrst
    translated anonymously intⲟ English poѕsibly bу a ɡroup ߋf French students.
    Tһe publisher has corrected errors аnd anomalies in tһe
    original translation by reference tⲟ the Alcan edition. Ꮃе have shortened ɑ few passages Ьut maintained tһe original footnotes аnd һave added some
    footnotes ⲟf our own.
    Ƭhіs book іѕ a foundation ⲟf mass psychology. Gustave Le Bon throws light on tһe unconscious irrational
    workings ߋf ցroup thought ɑnd mass emotion as he places crowd ideology in opposition tо free-thinking and independent minded individuals.
    Ιn addition, he shows hοw the behaviour of an individual ϲhanges when ѕһe/he іs part
    of a crowd.
    Le Bon waѕ an eminent psychologist and sociologist.

    Τhe ideas he explores іn Psychology ᧐f Crowds аre extremely relevant
    to toɗay’s society and ᴡere of pivotal іmportance in the early years of groᥙp psychology:
    Sigmund Freud’ѕ Massenpsychologie սnd Ӏch-Analyse (1921); (English translation Groᥙp Psychology ɑnd tһe Analysis of tһe
    Ego, 1922) was based on ᒪе Bߋn’s work
    Crowd psychology, alѕo ҝnown aѕ mob psychology, іѕ
    а branch of social psychology. Social psychologists һave developed
    а number of theories for explaining the ᴡays in which the psychology
    of a crowd differs fгom and interacts ᴡith that of thе individuals wіthіn it.
    Crowd behaviour іs heavily influenced bʏ the loss of responsibility of tһe individual ɑnd thе impression of
    universality of behaviour, botһ of which increase with crowd size.

    Ϲontents:
    This book iѕ divided into thгee sections:
    Book 1 – Ƭhe Mind of Crowds
    Book Ƭԝo – The Opinions and Beliefs of Crowds
    Book Three – The Classification and Description of tһe Dіfferent Kinds оf Crowds
    The book concludes ᴡith а chapter on electoral crowds ԝhich is highly relevant to tһe 21st century.

    my website; politics

  20. I loved as much as you will receive carried out right here.

    The sketch is tasteful, your authored subject matter
    stylish. nonetheless, you command get bought an edginess over that you wish be delivering the following.
    unwell unquestionably come further formerly again as exactly the same nearly very often inside case you shield this hike.

  21. Sparkling Books

    This neԝ book The Financial Ꮪystem Limit explains whʏ private
    sector debt matters fɑr more than government debt. The author says:

    “Therе is no sսch thing as ‘good’ deflation heralding economic benefits.”

    “Ⲛо economic multiplier can create mⲟre economic growth аbove tһe extra cost
    of intеrest on artificially ϲreated credit.”

    “Αs witһ the pandemic, ɑ second wave of business closures сan be expected.”

    “Centralised decision-mɑking is vulnerable tօ elementary mistakes.”

    Tһese statements all appeɑr іn this book:
    е-book 9781907230776 in aⅼl ցood e-book stores noԝ , three print editions.
    Paperback ɑvailable noᴡ in many countries except USA ɑnd UK, haгd cover editions USA Мay 2021, UK August 2021

  22. Major

    My family every time say that I am killing my time here at net, however I know I am getting experience every day by reading thes fastidious
    articles.

  23. It’s remarkable to pay a quick visit this site and reading
    the views of all friends regarding this article, while I am also keen of getting
    familiarity.

  24. Way cool! Some very valid points! I appreciate you writing
    this article and the rest of the website is extremely
    good.

  25. Hi there, just became alert to your blog through Google, and found that it
    is really informative. I am gonna watch out for brussels.
    I will be grateful if you continue this in future. Many people will
    be benefited from your writing. Cheers!

  26. I enjoy what you guys tend to be up too. This type of
    clever work and reporting! Keep up the very good
    works guys I’ve added you guys to blogroll.

  27. Casino site

    It’s hard to come by educated people about this topic, but you sound like you know
    what you’re talking about! Thanks

  28. Hi there it’s me, I am also visiting this website on a regular
    basis, this web page is actually pleasant and the viewers are actually sharing good thoughts.

  29. Wonderful beat ! I wish to apprentice while you amend your website,
    how can i subscribe for a weblog website? The account aided me a appropriate deal.
    I have been a little bit acquainted of this your broadcast provided vibrant clear idea

  30. Powerball site

    Heya i am for the primary time here. I came across this board and
    I find It truly useful & it helped me out much. I hope
    to provide one thing back and help others such as you aided me.

  31. Howdy! I simply wish to give you a big thumbs up for the excellent information you have right
    here on this post. I’ll be returning to your site for more
    soon.

  32. GgongMoney

    Today, I went to the beachfront with my kids. I found a sea shell and gave it to
    my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the
    shell to her ear and screamed. There was a hermit crab inside and
    it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

  33. With havin so much written content do you ever run into any problems of plagorism or copyright infringement?

    My website has a lot of unique content I’ve either
    written myself or outsourced but it seems a lot of it is popping it up all over the web without my permission. Do
    you know any methods to help stop content from being ripped
    off? I’d genuinely appreciate it.

  34. Hey There. I discovered your blog using msn. This is an extremely smartly written article.

    I’ll make sure to bookmark it and return to learn extra of your helpful
    information. Thanks for the post. I’ll definitely comeback.

  35. Powerball site

    I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get setup?
    I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very web savvy so I’m not 100% positive. Any recommendations or advice would be greatly appreciated.
    Thank you

  36. GgongMoney Site

    Undeniably imagine that that you stated. Your favourite reason seemed to be at
    the web the easiest factor to have in mind of.
    I say to you, I certainly get irked at the same time as other people think about issues that they
    just don’t realize about. You controlled to hit the nail upon the highest and outlined out
    the whole thing without having side-effects , folks can take
    a signal. Will probably be back to get more. Thanks

  37. Baccarat

    Hello, yup this article is really good and I
    have learned lot of things from it concerning blogging.
    thanks.

  38. ggongmoney

    Very nice post. I just stumbled upon your blog and wished to say that
    I’ve truly enjoyed surfing around your weblog posts.

    After all I’ll be subscribing on your rss feed and I hope you write once more very soon!

  39. Casino site

    Asking questions are actually fastidious thing if you are not understanding something entirely, but this paragraph gives
    good understanding even.

  40. Powerball

    Unquestionably imagine that which you stated. Your favourite
    reason seemed to be at the web the easiest thing to keep in mind of.
    I say to you, I certainly get annoyed whilst folks think about concerns that they just don’t realize about.

    You managed to hit the nail upon the top and defined out the entire
    thing without having side effect , people could take a signal.
    Will probably be back to get more. Thanks

  41. Online baccarat

    Hi, I desire to subscribe for this weblog to obtain most up-to-date updates, thus where can i
    do it please assist.

  42. Google Backlink

    WOW just what I was searching for. Came here by searching for Google
    Top Exposure Agent

  43. Hi there it’s me, I am also visiting this site regularly,
    this web page is genuinely fastidious and the visitors are actually sharing pleasant thoughts.

  44. I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you?
    Plz respond as I’m looking to construct my own blog and
    would like to find out where u got this from. thanks a lot

  45. Backlink

    Have you ever thought about writing an ebook
    or guest authoring on other blogs? I have a blog based upon on the same ideas you discuss and would love to have
    you share some stories/information. I know my audience would appreciate your work.
    If you are even remotely interested, feel free to send
    me an e-mail.

  46. Major Site

    My brother recommended I may like this website.
    He was entirely right. This publish actually made my day.
    You can not consider just how a lot time I had spent for this
    info! Thanks!

  47. Thanks for finally talking about > Why personal finance.

    – Financebuddy < Loved it!

  48. Why users still make use of to read news papers when in this technological world the whole
    thing is existing on web?

  49. dokuwiki.stream

    We’re a group of volunteers and starting a new scheme
    in our community. Your site provided us with valuable information to work
    on. You have done an impressive job and our whole community will be thankful to
    you.

  50. GgongMoney Site

    At this moment I am going to do my breakfast, when having my breakfast coming again to read more news.

  51. SEO작업

    Great article, totally what I was looking for.

  52. Hey I am so delighted I found your site, I really found you by accident, while I was researching on Aol for
    something else, Anyhow I am here now and would just like to say cheers
    for a fantastic post and a all round thrilling blog (I also love the theme/design),
    I don’t have time to read through it all at the moment
    but I have book-marked it and also included your RSS feeds, so
    when I have time I will be back to read a lot more, Please do keep up the excellent b.

  53. Hi! Do you know if they make any plugins to help with Search Engine Optimization?
    I’m trying to get my blog to rank for some targeted keywords but I’m not seeing
    very good gains. If you know of any please share. Appreciate it!

  54. Definitely believe that which you stated. Your favorite justification seemed to be on the net the simplest thing to be aware of.
    I say to you, I certainly get irked while people think about worries that they just do not know about.
    You managed to hit the nail upon the top and
    defined out the whole thing without having side-effects ,
    people can take a signal. Will probably be back to get
    more. Thanks

  55. I don’t even know how I ended up here, but I thought this post was good.
    I don’t know who you are but definitely you are going to a famous blogger if you are not already 😉 Cheers!

  56. GgongMoney Site

    I used to be able to find good information from your articles.

  57. Hello there! This is my 1st comment here so I just wanted to give a quick shout out and tell you
    I truly enjoy reading your articles. Can you recommend any
    other blogs/websites/forums that cover the same subjects?

    Thank you!

  58. I blog often and I truly appreciate your information. The article has truly peaked my interest.
    I will take a note of your blog and keep checking for new details about once a week.
    I opted in for your Feed as well.

  59. Quality articles or reviews is the crucial to attract the viewers to pay a
    visit the web site, that’s what this website is providing.

  60. Way cool! Some extremely valid points! I appreciate
    you writing this write-up and also the rest of the site is also
    very good.

  61. Major Site

    Hello to every one, because I am truly keen of reading this website’s post to be updated daily.

    It contains nice data.

  62. It’s difficult to find experienced people about this subject, but you seem
    like you know what you’re talking about! Thanks

  63. ggongmoney

    you are in reality a good webmaster. The website loading pace
    is incredible. It sort of feels that you’re doing any distinctive trick.

    In addition, The contents are masterpiece. you’ve performed a wonderful process
    in this topic!

  64. Major

    Hi everyone, it’s my first pay a visit at this
    site, and post is actually fruitful for me, keep
    up posting such posts.

  65. GgongMoney Site

    Hey! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the
    same niche. Your blog provided us beneficial information to work
    on. You have done a outstanding job!

  66. 백링크대행

    of course like your web-site but you have to take a look at the spelling on several of your
    posts. Several of them are rife with spelling problems and I to find it very troublesome to inform the reality
    on the other hand I will surely come back again.

  67. SEO

    It’s amazing to go to see this site and reading
    the views of all mates regarding this article, while I am
    also eager of getting familiarity.

  68. Google Backlink

    I’m really impressed with your writing skills and also with the layout
    on your weblog. Is this a paid theme or did you customize it yourself?
    Anyway keep up the nice quality writing, it’s rare to see a nice blog
    like this one today.

  69. When someone writes an post he/she maintains the image of a user in his/her mind that
    how a user can understand it. Thus that’s why this post is amazing.
    Thanks!

  70. You have made some good points there. I looked on the web to learn more about the issue and found most people will
    go along with your views on this website.

  71. SEO

    I do not know whether it’s just me or if perhaps everybody else experiencing problems with your
    website. It appears as if some of the written text within your posts are running off the screen. Can someone else please comment and let me know if this is happening to them too?
    This could be a problem with my web browser because
    I’ve had this happen before. Appreciate it

  72. Excellent way of explaining, and fastidious
    piece of writing to take information concerning my presentation topic, which i am going
    to convey in academy.

  73. Google Backlink

    Excellent goods from you, man. I’ve be mindful your stuff prior to and you
    are just extremely great. I really like what you’ve acquired right here, really like what you are saying and the best way wherein you say it.
    You’re making it entertaining and you continue to care for to stay it sensible.
    I can not wait to read far more from you. That is really a great web site.

  74. Major

    Hello there! Would you mind if I share your blog with my twitter group?
    There’s a lot of people that I think would really enjoy your content.
    Please let me know. Cheers

  75. Major Site

    Nice post. I learn something totally new and challenging on websites I stumbleupon every day.
    It’s always interesting to read articles from other authors
    and practice a little something from their web sites.

  76. SEO

    My partner and I stumbled over here from a different page
    and thought I might as well check things out.

    I like what I see so now i am following you. Look forward to looking at your web page yet again.

  77. I’m gone to convey my little brother, that he should also
    pay a quick visit this web site on regular basis to
    obtain updated from hottest news.

Leave a Reply