Memory B Simwaba MSc FCCA AZICA

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Chartered Accountant | 3X Award-Winning Financial Literacy Educator | CMAZ Member | Certified FlexyLearn International Mentor | Board Member | Content Creator | Entrepreneur | Retirement Planner | Personal Development Advocate | Money Smart

I found this interesting, Ati SALT!! The SALTING Technique.. very cheap but absence can’t be IGNORED.What do you think?...
06/04/2026

I found this interesting, Ati SALT!!

The SALTING Technique.. very cheap but absence can’t be IGNORED.

What do you think?

π‚πŽππ“π‘πˆππ”π“π„ π“πŽ 𝐓𝐇𝐄 𝐒𝐔𝐂𝐂𝐄𝐒𝐒 πŽπ… πŽπ“π‡π„π‘π’!!One of the greatest ways to earn lasting respect is by helping others succeed.I hav...
06/04/2026

π‚πŽππ“π‘πˆππ”π“π„ π“πŽ 𝐓𝐇𝐄 𝐒𝐔𝐂𝐂𝐄𝐒𝐒 πŽπ… πŽπ“π‡π„π‘π’!!

One of the greatest ways to earn lasting respect is by helping others succeed.

I have learnt that, what you make happen for others leaves an enduring mark in their lives and in the sands of time. Unfortunately, many people are consumed with self-preservation and rarely think about lifting others.

𝑻𝒉𝒐𝒔𝒆 π’˜π’‰π’ π’ˆπ’†π’π’–π’Šπ’π’†π’π’š π’„π’π’π’•π’“π’Šπ’ƒπ’–π’•π’† 𝒕𝒐 𝒕𝒉𝒆 π’ˆπ’“π’π’˜π’•π’‰ 𝒂𝒏𝒅 π’‚π’…π’—π’‚π’π’„π’†π’Žπ’†π’π’• 𝒐𝒇 𝒐𝒕𝒉𝒆𝒓𝒔 π’‚π’π’˜π’‚π’šπ’” 𝒔𝒕𝒂𝒏𝒅 𝒐𝒖𝒕.



06/03/2026

πŒπ€π’π“π„π‘ π€πƒπ€ππ“π€π“πˆπŽπ!!

Listen to the Voiceover !!

Life rewards Transformation
Recognize Opportunities
Financial Fitness comes from Strategy


πŽππ„ π‚π‡π„π‚πŠπˆππ†/π“π‘π€ππ’π€π‚π“πˆπŽππ€π‹ ππ€ππŠ π€π‚π‚πŽπ”ππ“ πˆπ’ πˆπƒπ„π€π‹!!The choice is yours but read thisπŸ‘‡πŸΌManaging several checking accounts ...
06/03/2026

πŽππ„ π‚π‡π„π‚πŠπˆππ†/π“π‘π€ππ’π€π‚π“πˆπŽππ€π‹ ππ€ππŠ π€π‚π‚πŽπ”ππ“ πˆπ’ πˆπƒπ„π€π‹!!

The choice is yours but read thisπŸ‘‡πŸΌ

Managing several checking accounts frequently leads to money leakage. Small, monthly maintenance charges that quietly erode your opportunity cost to β€˜save’ over time.

A time will come when we get Financially Fit and worry less about even paying K500 bank charges, but now while we are still pushing to get there, these small dips matter.

In my opinion, just one transactional account is enough. With several , you are incurring β€˜Avoidable Bank Charges’ remember the charges are fixed with some additional transactional fees.

Have you even taken stock of the monthly service charges on each of your bank accounts? DO NOT IGNORE this, it’s in your best interest because that could be where your frugality begins.

Most traditional checking accounts in Zambia carry monthly service fees (K100–K250). Paying these across 3 or 4 accounts is costing you.

If you are paying K100 a month in bank fees across three accounts, you are losing K3,600 a year. So, if you invested that "avoidable fee" every month for 10 years at an average interest rate of 15%, the future value of the investment would be over K75,000.

π‘Όπ’π’…π’†π’“π’”π’•π’‚π’π’…π’Šπ’π’ˆ π’π’‘π’‘π’π’“π’•π’–π’π’Šπ’•π’š 𝒄𝒐𝒔𝒕 𝒆𝒏𝒂𝒃𝒍𝒆𝒔 𝒖𝒔 𝒕𝒐 π’Žπ’‚π’Œπ’† π’Šπ’π’‡π’π’“π’Žπ’†π’… π’„π’‰π’π’Šπ’„π’†π’” 𝒕𝒉𝒂𝒕 π’…π’“π’Šπ’—π’† 𝒖𝒔 π’•π’π’˜π’‚π’“π’… 𝒐𝒖𝒓 π’ˆπ’π’‚π’π’”.





06/03/2026

Wealth Wednesday: Why do you have several checking or transactional bank accounts?

Leave the Village people alone.. infact often times they are praying for you 😍 Look within YOU!!
06/02/2026

Leave the Village people alone.. infact often times they are praying for you 😍 Look within YOU!!

06/02/2026

Our drill is simple but seems hard for most, to execute πŸ€”
”Spend less than you make, invest the rest, and ignore the noise." Why is this DIFFICULT?

𝐄𝐗𝐂𝐄𝐄𝐃 π„π—ππ„π‚π“π€π“πˆπŽππ’!!Doing only what is expected may make you acceptable, but exceeding expectations makes you EXCEPTION...
06/01/2026

𝐄𝐗𝐂𝐄𝐄𝐃 π„π—ππ„π‚π“π€π“πˆπŽππ’!!

Doing only what is expected may make you acceptable, but exceeding expectations makes you EXCEPTIONAL.

I have observed that one of the secrets of distinguished people is their ability to consistently go beyond the ordinary. Let us Learn to under-promise and over-deliver rather than the reverse.

𝑬𝒙𝒄𝒆𝒍𝒍𝒆𝒏𝒄𝒆 π’˜π’Šπ’π’ π’‚π’π’˜π’‚π’šπ’” π’„π’π’Žπ’Žπ’‚π’π’… π’‚π’•π’•π’†π’π’•π’Šπ’π’ 𝒂𝒏𝒅 π’‚π’…π’Žπ’Šπ’“π’‚π’•π’Šπ’π’.




𝐍𝐄𝐖 πŒπŽππ“π‡ 𝐍𝐄𝐖 𝐂𝐇𝐀𝐍𝐂𝐄!!As adults, we face numerous financial stress that can weigh heavily on our minds, keeping us awake...
06/01/2026

𝐍𝐄𝐖 πŒπŽππ“π‡ 𝐍𝐄𝐖 𝐂𝐇𝐀𝐍𝐂𝐄!!

As adults, we face numerous financial stress that can weigh heavily on our minds, keeping us awake when we should be sleeping πŸ˜‚πŸ˜‚ It’s constant pressure to keep up with rising living costs, pending obligations , responsibilities, to the challenge of managing consumer debt and saving for the future, these burdens can feel overwhelming.

It's not hopeless.

The key to overcoming these obstacles lies in cultivating a mindset of abundance and generosity.

By focusing on opportunities rather than limitations, and by giving freely of your time, knowledge, and resources, you open yourself up to a world of possibilities.

This abundant mindset not only helps you identify more lucrative opportunities but also attracts positive relationships in both your personal and professional life.

I understand it's hard to see abundance as we inherently feel our finances are not sufficient.But what are you doing about it?

As we enter month 6/12, may you decide to take full control of your life, work so hard that not money or time will be your limitation. May God put more favour and blessing on you.

π‘―π’‚π’‘π’‘π’š π‘΅π’†π’˜ 𝑴𝒐𝒏𝒕𝒉!! π‘ͺ𝒉𝒐𝒐𝒔𝒆 𝒕𝒐 𝒃𝒆 𝑰𝑡𝑭𝑢𝑹𝑴𝑬𝑫 𝒏𝒐𝒕 𝑫𝑬𝑭𝑢𝑹𝑴𝑬𝑫!!




πŒπŽππ“π‡ πŸ“ /𝟏𝟐 πƒπŽππ„. π‘π„π•πˆπ„π– π˜πŽπ”π‘ ππ‘πŽπ†π‘π„π’π’!!When they say you are saving and investing too much, just smile. Favor lies in t...
05/31/2026

πŒπŽππ“π‡ πŸ“ /𝟏𝟐 πƒπŽππ„. π‘π„π•πˆπ„π– π˜πŽπ”π‘ ππ‘πŽπ†π‘π„π’π’!!

When they say you are saving and investing too much, just smile. Favor lies in the extra mile and in the extra effort. Even if you are paid for a service, going the extra mile will differentiate you and lead to recommendations.

Keep planting TOO MUCHπŸͺ΄



Address

Windsor
Halifax, NS
B3K1S4

Telephone

+260974326932

Website

https://www.credly.com/badges/49caf59e-df69-4483-866c

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