The holiday season is here with us, and with it comes a heightened propensity to spend. This month, if you are not careful, you could make impulse purchases which you might regret come January when you may be forced to live on a shoestring budget. We let you know how you can party, travel and gift your loved ones without breaking the bank.
Why is a budget important? Because with it, you can easily organise your expenses in terms of priorities, and then spend only on your immediate needs. Now that technology is an integral component of our lives, go ahead and craft your December budget by creating a new spreadsheet on your phone or downloading apps such as Wally and Spending Tracker which will help you manage your spending.
Christine Moraa, a 28-year-old M-Pesa attendant, intends to borrow money from an online money lending app this festive season because she feels obligated to shop for and buy gifts for her family.
“My relatives back in the village expect me to surprise them with gifts when I visit them during Christmas, and I feel pressured to do so,” she says.
Paul Ngunyi, a psychologist and author of Art of High Performance in Business and Personal Success, advises that individuals should only offer their loved ones gifts that are thoughtful and meaningful. Also, gifts don’t have to be material things.
Make a shopping list and follow it
If you walk into a supermarket without a shopping list, you are likely to buy items you don’t need or hadn’t planned for. However, making a shopping list is not enough. You also need to practice strict adherence to it especially when you get tempted to buy things on impulse. You can do that by following the next step.
One of the best ways to stay within your holiday budget is to leave your credit card at home when going for shopping. That way, it will be easier to avoid the temptation of picking more items than you had budgeted for. Additionally, you will need to stop borrowing those enticing loans from money lending apps which are easily accessible through your mobile phone.
With technology, it is now possible to compare the prices of different items online, because most companies enlist the products they offer and their prices on their websites and social media platforms. If you wish to shop for, say, a pair of new shoes, why not look around for the best bargain?
If you need to gift your loved ones, consider teaming up with others and contribute towards purchasing the present. For instance, if you wish to surprise your parents with a washing machine, you can collaborate with your siblings and split the cost. You can also do this at the workplace.
Find alternative ways to celebrate
If you cannot afford to shower your family or friends with gifts, do not be hard on yourself. There are many ways to celebrate that don’t involve gifting.
For instance, showing up at important events or spending quality time with your loved ones doesn’t require exorbitant spending.
Sites such as Pinterest and YouTube have thousands of DIY videos and ideas that you can borrow. You can learn how to make handmade cards, decorate vases or make scarfs. Imagine if you learn one such skill and then offer your family and friends some exquisite, customised gift items?
How much would you have saved if you’d have set aside some money for holiday spending every month since January? Thousands, right? Next year, plan early and you will be amazed. You could even open a fixed deposit account for this purpose.
Singer speaks after attacking lover at WCB signee Zuchu’s star-studded concert
56 minutes ago
On 18 July, there was fanfare at the Mlimani City Hall in Dar es Salaam as WCB signee Zuchu held a thanksgiving concert months after her debut EP, I Am Zuchu. The event dubbed ‘Ahsante Nashukuru’ mainly featured performances by artistes from the WCB stable and attracted the whos-who in the Tanzanian entertainment and political scenes.
However, singer Gigy Money who also performed made the headlines for the wrong reasons after getting into a scuffle with her lover during the much-publicised concert.
READ ALSO: I was bewitched by a friend – Gigy Money
Peaceful arrival, later chaos
Moments earlier, Gigy and her Nigerian man were seen arriving arm in arm at the event whose highlight featured Zuchu receiving a brand new car from WCB head honcho Diamond Platnumz. Donning matching outfits, the couple was spotted on the red carpet as the paparazzi scrambled to capture the moment. However, all hell breaks loose later and viral videos depict the visibly angered Nigerian arguing with a bouncer at the entrance. After a tense confrontation, Gigy’s man is seen being led by the screaming bouncer towards the exit. Shortly after, a similarly irritated Gigy emerges and follows the pair.
“Gigy! Wewe Gigy wewe!” a woman in the background is heard dissuading the singer from pursuing them but the singer pays no heed and heads for the pair.
“You want to beat me?” the boyfriend is heard asking an approaching Gigy as the bouncer acts as a barrier between them. The bouncer manages to steer the incensed man towards the exit as Gigy follows behind, hurling obscenities.
At some point, a barefoot Gigy turns into a sprint before throwing one of her shoes which hits the man who then responds with an insult. Another bouncer finally intervenes and the two are separated. Gigy then asks for her vehicle so she can head home before warning the press against sharing videos of the incident.
Though the cause of their tiff is still unknown Gigy later made reference to the shocking incident in a social media post, hinting that alcohol had a part to play in the fracas. In another post, Gigy shared a photo alongside her estranged lover writing: “My mad man looked handsome before his demons arose and mine arose too.”
‘Running over Ali Kiba’
Gigy is not new controversy and recently said she’d run over her ex, singer Ali Kiba for breaking her heart.
“I will knock all of them down, I mean I will kill them. In fact, I will flatten them like chapatis. The first person I will knock down and kill is Ali Kiba. Actually, I don’t need a weak car, I need a Fuso so that when I knock him down I will be sure he doesn’t survive,” Gigy told Ayo TV.
Dating Kiba brothers
Gigy had in the past admitted to dating both Ali Kiba and his younger brother, Abdu Kiba. She solely laid the blame on Chekecha singer for pursuing her despite knowing that she’d been with his younger brother. Abdu expressed being heartbroken after learning the two had a fling, prompting him to marry.
“I was very hurt on hearing that Ali was dating Gigy Money because I dated her first before she became famous. But it’s alleged that Ali didn’t know. It hurt me for a while till when I married,” said Abdu.
Defunct Nairobi County Council Nurses Go On Strike, Citing Discrimination By The Government
Why Jahmby Kokai is happy her TV anchor dream never came true
37 minutes ago
Popular media personality Jahmby Koikai narrated how her first attempt at auditioning as a TV host backfired and she was sent home on the first day of the audition. Reliving her prime days, Jahmby narrated how she was determined to follow her dream of becoming a news anchor after completing her degree.
“There was a reality show that was running on one major TV channel here in Kenya, searching for the next top news anchor. I’ve always had the knack for news. At the time, I was working at Metro FM. Walked to my boss and asked him if he was ok with me participating in this competition. He agreed to it.
“Auditions were at Film Studios. The queue stretched all the way to the showground. I was at the back kabisa. Imagine 300 people before you. Then we got the briefing paper and it indicated, ‘no persons with experience in a media house allowed to participate in this audition’. Mimi Jahmby Koikai, nirudi home after watu 300 kukuwa mbele yangu?” she posed.
According to the endometriosis survivor, she went ahead to audition for the position despite the warning and was the first contestant to be sent packing.
“So I stayed in line until I got to the audition room. The judges were a few people I was in campus with. I felt a wave of despair. Like I’m here auditioning, yet my classmates will be judging me? I did my thing and I was considered. We got into the house and we were assigned to different groups. I was the group leader and we won the challenge. Later that evening, we were driven back to Film Studios for a briefing. The presenter of the show said some of us have to go home.
“My name was called out first amongst other great people. We were dropped home. I cried. It felt like I’d lost such a great opportunity. My mom and late grandma were so sad cos they loved to watch me do the news,” she narrated.
Later, Jahmby auditioned for another TV opportunity only to miss out as well.
“Then came another opportunity over 10 years ago, I saw a TV ad and decided to apply for the news anchor position. I didn’t get the job.”
However, due to endometriosis, Jahmby was forced to put her dreams on hold and concentrate on getting better. According to her, it is as though God had better plans for her and is grateful to not have gotten the jobs.
“I battled severe endometriosis in silence for over 19 years. I think of how engaging the newsroom is and I’m grateful I wasn’t in that space. I’d have utilized all my sick-leaves and off-days and just declared redundant.”
There was a reality show that was running on one major TV channel here in Kenya, searching for the next top news anchor. I’ve always had the knack for news. At the time, I was working at Metro Fm. Walked to my boss and asked him if he was ok with me participating in this competition. He agreed to it. Auditions were at Film Studios. The queue stretched all the way to the showground. I was at the back kabisa. Imagine 300 people before you. Then we got the briefing paper and it indicated, ‘no persons with experience in a media house allowed to participate in this audition’. Mimi Jahmby Koikai, nirudi home after watu 300 kukuwa mbele yangu? Nikasema zi. So I stayed in line until I got to the audition room. The judges were a few people I was in campus with. I felt a wave of despair. Like I’m here auditioning, yet my classmates will be judging me? I did my thing and I was considered. We got into the house and we were assigned to different groups. I was the group leader and we won the challenge. Later that evening, we were driven back to Film Studios for a briefing. The presenter of the show said, some of us have to go home. My name was called out first amongst other great people. We were dropped home. I cried. It felt like I’d lost such a great opportunity. My mom and late grandma were so sad cos they loved to watch me do the news. Then came another opportunity over 10years ago, I saw a TV ad and decided to apply for the news anchor position. As you see in this pic, I got my hair done at Ralph’s Hair Salon, new suit etc. I didn’t get the job. After KBC, I never got to anchor the news again. I’m grateful I did not get the job even though I felt dejected at the time. I battled severe Endometriosis in silence for over 19years. I think of how engaging the newsroom is and I’m grateful I wasn’t in that space. I’d have utilised all my sick-leaves and off-days and just declared redundant. There are many people like me who are bound by chronic illness and cannot do the things they love. I share your pain. But there’s hope. I’m grateful to God for His reminder that He will restore to you all the years that the locusts have eaten. Also Jer 29:11