Finances with Chipepo 💰

Can you relate to this; Your salary comes in… and instead of rushing to cover debt or wondering where it went, you have a plan, a goal, and money left over. If you're not sure, I'm inviting you to sign up for this class👇🏾 *Breaking the Cycle of Living Paycheck to Paycheck,* -Break free from the broke before month-end cycle -Break the cycle of broke before the next sale in your business -Break the cycle of broke before the next allowance as a student -Plan your money with systems that are proven to work -Turn financial goals into consistent habits In just 18days, you will feel better equipped to walk into September with a clear financial action plan. This indepth class will only be K200. However, you can be one of the first 20 people to sign up by only paying K120! ⏲️ The class will be held on Sunday 31st August, at exactly 17:00hrs Duration: 2hrs 30mins to allow for questions and answers ❗️STRICTLY ONLINE 📍 Zoom or Microsoft Teams (final platform will be shared with attendees). 🤎it will be recorded and available to attendees afterwards. *To secure a slot, simply make a payment of K120 to;* MTN; 0960997026 Airtel; 0976920706 Chipepo Phiri FNB E-Wallet; 0976920706 and please share the proof of payment & your EMAIL ADDRESS on whatsapp to 0960997026. *Send this to someone you want to see win* #financeswithchipepo #savvyinvestorscenter

If you’re living with debt or paycheck to paycheck, you know how tough it is when one kwacha can’t stretch far. Missing even one pay means stress, worry, and maybe skipping things you need. But what if you could start changing that, bit by bit? Even if you can only save a little, or track where your money really goes, you’re already ahead of most people. This Personal Finance Bootcamp is made for you. No complicated jargon, just easy, practical steps to help you: Understand where your money is going Make a budget that actually works for your lifestyle Save some money, even if it’s small Start planning to get out of debt and build a bit of financial peace It won’t fix everything overnight, but it will give you tools to make better decisions, so you’re not caught off guard next time money gets tight. If you’re ready to take control, join the bootcamp today, simply click on the link below https://bit.ly/fwc_PFB

Wealth starts from the mind. Speak abundance, speak life, and be grateful for everything you have so far. As we enter a new month, let’s train our mindset to attract opportunities, savings, investments, and growth. Here are your August Wealth Affirmations, speak them daily and watch your mindset shift. 1. I am attracting new ways to make money every day. 2. Abundance is my portion.God is my source. 3. I am wise with every kwacha that enters my hands. 4. Even small money grows when I plan and save it. 5. I am grateful for what I have, and I welcome more. 6. I believe there’s enough money in Zambia for me too. 7. I make smart money decisions that benefit my future. 8. I am learning, growing, and improving my finances. 9. I deserve to live a debt-free life. 10. Every ngwee I invest brings me closer to financial freedom. 11. I can turn my skills into income, even from home. 12. Money flows to me through clients, jobs, and opportunities. 13. I have the power to break financial generational cycles.

Most of us wait for big changes to happen, but the truth is, small steps every day can help you move forward. When you learn something that can help your financial journey or self-development, don’t just learn and forget, start doing something, even if it’s small. Apply it and let it work for you. Some people are using the same tips you’ve seen, and this month they’ve already started saving money. Some now have emergency funds. Others have learned how to plan their money using a budget. Some have opened simple savings accounts like Patumba and are saving K1, K2, K3, even K200. It doesn’t matter how small; the important thing is that they started. So don’t just ask, “How much interest will I get?” and then do nothing. The year will pass, and you’ll still be in the same place. Do something today. If you fail today, try again and again,just don’t stay stuck. Here is a helpful course as you begin your small steps. Simply click the link below for more information. 👉 https://bit.ly/fwc_PFB

learning the basics of saving, investing, and budgeting pays off. One person shared: > “Am working towards building my emergency fund. I’ve started small but I believe I’ll get there.” Another said: > “I started small and now my emergency fund is K10,000. My goal is to reach K20,000 by December.” This is what financial freedom looks like, small steps every month. 📌 But most of us were never taught: How to plan for emergencies How to make our money grow (investing) How to make a budget that works That’s why I recommend you join the Personal Finance Bootcamp. This is where you’ll learn: ✅ How to start budgeting ✅ How to save for emergencies ✅ How to begin investing (even with little money) 👉🏽 Join here: https://bit.ly/fwc_PFB Don’t wait until another emergency hits. Start building your peace of mind now. Let’s change our money story,together!

Let’s be honest. Many people don’t build wealth because they were never taught how money works. They know how to earn it. They know how to spend it. But they don’t know how to grow it. Think about this for a second: If you want to learn how to bake a cake, will you go ask someone who has never baked in their life? No! You’ll look for someone who knows what they’re doing someone with real skill and experience. The same goes for money. You can’t just copy what everyone around you is doing.You need to learn from people who’ve actually built wealth. People who understand saving, investing, patience, and discipline. Learning is just the beginning. You have to take action. You have to practice what you learn. Money grows when it’s invested correctly and consistently. One of the biggest secrets to wealth is compound interest. That’s when your money earns interest, and then that interest earns more interest like planting a tree that keeps bearing fruit year after year. But while you’re learning, remember this: If someone promises you money will double overnight, or that you’ll get rich fast with no effort run! That’s not wealth building. That’s gambling with your future. Don’t expect to build wealth if you never learn how money grows. Learn from people who have mastered the money game not just anyone. Take action on what you learn. Learning alone is not enough. Avoid get-rich-quick schemes they will drain your money and energy. Use compound interest to your advantage it works over time. Have a clear goal and a solid plan. That’s how you build real wealth. Learn how to budget, save, and plan better with our Practical Finance Basics class. https://bit.ly/fwc_PFB

Have you ever wondered why some people always seem to have money, even if they don’t earn a lot? It’s not magic, it’s called budgeting. Let’s break it down: 1. What does it mean to be broke? Being broke means: You have little or no money left. You struggle to buy things you need. You keep wondering where your money went. It’s not fun. But sometimes it happens because we don’t plan. 2. What is budgeting? Budgeting means: Telling your money where to go. Planning your spending before you spend. Making sure your money lasts longer. 3. Example: Let’s say you earn K1,000. Without a budget: You buy fast food (K300). New shoes (K400). Airtime and small things (K200). Left with nothing! With a budget: Food & transport (K400). Savings (K200). Giving or helping others (K100). Personal items (K200). Still have K100 for emergencies. See the difference? 4. Why budgeting helps: ✅ You avoid being broke. ✅ You know what’s important. ✅ You can save for future goals. ✅ You get peace of mind. 5. You have a choice: You can live paycheck to paycheck, always broke. Or you can choose to plan and live with more freedom. Being broke is painful. But being budgeted is powerful. We have an in-depth class on effective budgeting. Send a DM saying “Budgeting” to make a purchase.

𝐓𝐇𝐈𝐒 𝐈𝐒 𝐘𝐎𝐔𝐑 𝐋𝐀𝐒𝐓 𝐂𝐇𝐀𝐍𝐂𝐄 Transform Your Financial Future with the Personal Finance Bootcamp. Are you tired of living paycheck to paycheck? Do you dream of financial stability and security? The Personal Finance Bootcamp can help! Purchase now and learn how to manage your money, save, invest, and build wealth. Click on link to learn more: https://bit.ly/fwc_PFB This is your last chance to purchase the Bootcamp at k200, price goes up to K400 on 1st July. #getyourmoneyright

Want to Start Investing but Scared or Don’t Know Which One to Start With? Start by Learning What Each Investment is About! Many people say: > “I want to invest, but I don’t know how…” “I only have K500 or K1,000… is it enough?” “What if I lose my money?” "Are there any legit Investment Options in Zambia?" These are real fears and it’s okay to feel this way. But the first step to becoming a smart investor is learning. ✅ 1. Government Bonds & Treasury Bills What are they? You lend money to the government, and they pay you back with interest. It’s like you’re helping the country and getting paid for it. How much do I need to start? About K1,000 (one-time or more if you like). How do I earn? You earn interest. The longer you keep your money in, the more you get. It’s safe and low risk. ✅ 2. Stocks or Shares What are they? You buy a piece of a company. If the company makes money, you make money too (this is called dividends). If the company grows, your share value grows too. How much do I need to start? With a broker: K500 – K1,500 With the LuSE app: Even less than K100 How do I earn? Not every month. You earn when the company pays profits or when your shares grow in value. ✅ 3. Unit Trusts What are they? This is where many people pool their money together. Professionals (called fund managers) invest the money in shares, bonds, and more. You don’t need to do the hard work, they do it for you. How much do I need to start? Some allow as little as K200 – K500 per month Others start from K1,500 – K2,000 (one-time) How do I earn? You earn depending on how well the investments perform. It’s a great way to start if you want professionals to manage your money. ✅ You don’t need to start big. ✅ Learn before you invest, don’t copy what others are doing. ✅ Use trusted and legit platforms don’t fall for scams. ✅ Don’t focus only on “how much will I get monthly?” but on building good habits. ✅ Be consistent,small amounts grow over time. Want to Learn More? Yes, there are trusted investment options in Zambia, and we have in-depth investment classes. For more information, simply click on each link below Investing in Stocks/Shares https://bit.ly/FWCStocks Investing in Government Bonds https://bit.ly/FWCBonds Investing in Unit Trusts https://bit.ly/UTrusts Investing in Treasury Bills https://bit.ly/TBills Everyone starts somewhere. You don’t need to be rich. You don’t need to be perfect. Just start small, stay consistent, and learn as you go. One day, you’ll look back and say, “I’m glad I started.”

For a long time, people believed that only the rich could invest. But that’s no longer true. Today, you can start investing with as little as K5, K10, K20, or K100 — and if you stay consistent, your money can grow over time, thanks to compound interest. This means your money earns more money, and over the years, it keeps growing without you doing much. Examples of Where Your Money Can Grow: Unit Trusts ;You pool your small money with others, and it’s invested for you. Government Bonds & Treasury Bills ; You lend money to the government and earn interest. Stocks ; You buy shares in a company and earn profits as the company grows. You Don’t Need a Big Amount to Start Don’t wait until you have K5,000 or K10,000. Start with what you have. Even K20 a week can grow into something big if you’re patient and disciplined. Want to Grow Bigger With Your Investments? Start a side hustle (e.g., do hair, or offer a service) Build or learn a new skill (e.g., social media, makeup, design, baking, etc.) Join learning groups or take free online courses The key is to start now. Don’t wait. Don’t overthink. Use what you have and grow from there. Ready to make your money work for you? Join our Compound Interest Class today and start building a future you're proud of. Click here to get started https://bit.ly/FWCInterest

Have you ever promised yourself you'd save… but somehow ended up buying that wig or splurging at the mall? You're not alone and that's why you need an accountability partner. An accountability partner isn’t just someone who reminds you to save. They walk with you, cheer you on, and help you stay focused on your goals especially when temptations hit. In the Get Your Money Right Group, real people are changing their lives.Here are some reviews: "I helped a stranger, and instead of splurging with the K2000 she gifted me, I invested it, all thanks to the group mindset!" "I’m not even formally employed, but I started an emergency fund because of the support in this group. If not, I’d have bought a wig!" "Now I track expenses, opened a Patumba, and I’m working on an emergency account!" These wins are proof that when you're held accountable, you make wiser money moves. You don’t have to struggle alone. Surround yourself with people who get it, who are learning and growing like you. For only K100 once-off, you get 6 months of transformation with people who truly care. Over 1,000 have already joined. Why not you? Let us walk with you. Simply click on the link below for more information on the group. https://bit.ly/gymr #GYMR #AccountabilityWorks

Start your June with the right mindset. Speak these money affirmations daily and watch your finances shift. 1. This June, money flows to me easily and consistently. 2. I am open to receiving unexpected income and new opportunities. 3. I manage my finances wisely and attract financial growth every day. 4. June brings clarity, discipline, and abundance to my financial life. 5. I am aligned with wealth, success, and prosperity. 6. This month, I make confident money decisions that support my future. 7. Opportunities to increase my income are all around me. 8. I attract clients, customers, and income with ease this June. 9. Every coin I spend returns to me multiplied. 10. Financial peace and freedom are my reality this month and beyond.

𝘊𝘖𝘔𝘗𝘖𝘜𝘕𝘋 𝘐𝘕𝘛𝘌𝘙𝘌𝘚𝘛 Determine how much your money can grow using the power of compound interest in this webinar. Purchase to learn how to maximise the interest you receive on your savings and investments. You are potentially losing money as you keep procrastinating to learn and start applying this knowledge. When you have a loan (debt), compound interest works against you and that is why it is super important to understand it. Simply click below for more details; https://bit.ly/FWCInterest #getyourmoneyright

𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐅𝐫𝐞𝐞𝐝𝐨𝐦 𝐈𝐬𝐧’𝐭 𝐚 𝐍𝐮𝐦𝐛𝐞𝐫; 𝐈𝐭’𝐬 𝐚 𝐌𝐢𝐧𝐝𝐬𝐞𝐭 When we talk about financial freedom, most people immediately think of numbers, specific amounts; a high salary, a million in the bank, or retiring with K10 million in investments. But let's look at it another way; Financial freedom isn’t 'just' a number. It’s a mindset. You can earn K50,000 per month and still feel broke… Or earn K5,000 and feel completely in control. So what is financial freedom, really? It's: ✅ The ability to make decisions based on your values, not your bills ✅ Knowing that you can cover your needs and some wants, without panic ✅ Having a clear plan for your money, not letting money control you ✅ Feeling empowered, not anxious, when you think about your finances Your mindset is what changes everything. That means: Replacing “I’m not good with money” with “I’m learning to manage money wisely” Understanding that discipline beats income when it comes to building wealth, of course you may need to work on increasing your income but discipline is what gets you to your goals. Focusing on what you keep and grow, not just what you earn. Valuing peace of mind over possessions. Start with these 3 mindset shifts: 1. “I need more money” to “I need a better plan for my money.” 2. “I can’t save now” to “How can I save something, even if small?” 3. “Once I earn more, I’ll be free” to “Let me build habits now that create freedom.” You don’t need to wait until you’re a millionaire to feel financially free. You can start building that freedom today, from the inside out. ❓️Ask yourself this question: What mindset is holding me back from feeling financially free? ✅️Want help shifting your money mindset and building real financial freedom? Join the Finances with Chipepo Get Your Money Right accountability Community, where we teach practical, mindset-driven money strategies that help you thrive. Simply click here for more details on how to sign-up; https://bit.ly/gymr #getyourmoneyright #FinancialFreedom #MoneyMindset #SavvyInvestors #FinancesWithChipepo #MoneyTips #MindsetMatters #WealthStartsWithin

A sinking fund is money you set aside bit by bit to pay for something important in the future,without borrowing or using credit. Let’s break it down with examples: 1. You Know What’s Coming You know your child’s or spouse’s birthday is coming. Instead of last-minute stress or debt, why not save a little every month for it? 2. Family and Giving Matter You love giving to family or helping someone in need. A sinking fund allows you to give from the heart without financial strain. 3. Holidays and Sales Christmas, Black Friday, back-to-school,they come every year. Start saving now so you can enjoy shopping without guilt or debt. 4. Avoid Expensive Credit Credit may feel like a quick fix, but it comes with high interest. A sinking fund helps you stay ahead, spending your own money, interest-free. How to Start One Pick a goal (e.g. birthday gift, school fees, Christmas). Estimate the cost. Divide the amount by the number of months or weeks until then. Save that amount regularly. Keep it in a separate place (in an envelope, patumba, or a separate bank account). Plan Ahead. Save Smart. Live Free. Want to level up your personal finance game? For more information on the services available, simply click on the links below: Compound Interest: https://bit.ly/FWCInterest Effective Budgeting: https://bit.ly/fwcEB Personal Finance Bootcamp: https://bit.ly/fwc_PFB Get Your Money Right (GYMR) Accountability Group: https://bit.ly/gymr

Have you ever noticed how being around certain people changes you? Maybe you spent time with a friend who loves reading helpful books and even though you thought you were too busy, you suddenly found yourself reading too. Or maybe you know someone who talked about saving K2, K10, or K50 consistently and they ended up buying land. Before you know it, you’re opening a savings account and following the same path. That’s the power of accountability and right association. When we share our goals with people or spend time in a positive environment where people talk about money, growth, and success we begin to grow too. The people we spend time with can push us forward or hold us back. This is why it's important to be intentional. Choose to read, listen, and spend time with those who live the kind of life you dream of. Be around people who inspire you to take action. We even have a special community where we freely talk about money, success, and goals and hold each other accountable. Want to grow with us? Click the link below and join the journey: https://bit.ly/gymr

SIGN up for the last Get Your Money Right accountability group going at K100 this year. The first 10 people get to pay K85 only! Simply make a payment to any of the following numbers; 0976920706 or 0960997026 Names: Chipepo Phiri Send proof of payment via WhatsApp to 0960997026 #getyourmoneyright

Setting up "an effective budget" allows you to prioritize your essential expenses and make the most of your hard-earned money. Here are a few tips to supercharge your budgeting game: 🎯 By creating a budget and sticking to it, you can save money, pay off debt, and even achieve those long-term goals👌🏾 Here are a few key steps to get started with effective budgeting: 1️⃣ Track your expenses: Start by writing down all your income sources and keeping track of your spending habits. Take note of where your money goes and identify areas where you can cut back. 2️⃣ Set financial goals: Whether it's saving for a vacation, paying off loans, saving for your child's education, planning for retirement or buying a new car, setting clear goals will help you stay motivated and focused on your budgeting journey. 3️⃣ Prioritize your essential expenses: Differentiate between needs and wants. Prioritize your essential expenses like rent, groceries, and bills, and then allocate money towards your wants accordingly. 4️⃣ Create a realistic budget: Based on your income and expenses, create a budget that suits your lifestyle. Be realistic about what you can save and spend each month, and don't forget to budget for unexpected costs or emergencies. 5️⃣ Review and adjust: Budgeting is an ongoing process. Regularly review your finances, track your progress, and make adjustments as needed. This will help you stay on track and make improvements over time. Purchase the EFFECTIVE BUDGETING short course at only k100, for details, click below; https://bit.ly/fwcEB Remember, effective budgeting is all about discipline, knowing the partcicular budgeting system that works for you and making conscious choices with your money. It may seem challenging at first, but the benefits are worth it! #GetYourMoneyRight #LeavingNoOneBehind #financeswithchipepo

Know that; There’s no “one best” investment – the best option depends on your goals and risk tolerance. Start small. You don’t need thousands to begin. Understand before you invest – don’t just copy others. If you wish to have in-depth information on the investment types available, simply click on each link below Investing in Stocks/Shares; https://bit.ly/FWCStocks Investing in Government Bonds; https://bit.ly/FWCBonds Investing in Unit Trusts; https://bit.ly/UTrusts Investing in Treasury Bills; https://bit.ly/TBills Be consistent – even K200 monthly adds up over time. Use legit platforms and learn from trusted sources. Don’t focus on “how much you’ll get monthly” from investing a K500, K1,000, etc Focus on building good financial habits, learning, and investing consistently. Over time, your investments will grow.

Legit Investment Options for Students in Zambia – Start Small, Grow Big! Many students ask, “What can I invest in as a student?” or “If I invest K1,000, how much will I earn monthly?” The truth is: investing takes learning and patience. The first step is understanding how the investment works, the minimum amount required, and what your financial goals are. 1. Government Bonds & Treasury Bills What are they? These are loans you give to the government. The government pays you interest for lending them money. Minimum Investment: Around K1,000 (can be a one-time investment). Earnings: Depends on the interest rate and the duration (short-term or long-term), but it’s generally low risk and stable. 2. Stocks (Shares) What are they? When you buy shares, you own a piece of a company. If the company does well, your shares grow in value, and you may earn dividends (profit sharing). Minimum Investment: Through a broker: K500 – K1,500 Through LuSE app: Even below K100 Earnings: Not guaranteed monthly. You earn based on company performance and share price growth. 3. Unit Trusts What are they? These are pooled investments managed by experts. Your money is combined with other investors’ money and invested in a mix of assets (bonds, stocks, etc.). Minimum Investment: From K200 – K500 per month Some funds allow K1500 to K2000 as minimum investments. Earnings: Vary depending on the fund's performance.