Memory B Simwaba MSc FCCA AZICA

Call Directions Website Contact the business

Memory B Simwaba MSc FCCA AZICA Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Memory B Simwaba MSc FCCA AZICA, Accountant, Windsor, Halifax, NS.

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

10/30/2026

Mulibakulefya Investors, those investor terms are top notch .. Manje one that got my head spinning until I googled… ati,
“Handicap (-1.5)” But why??🤦🏻‍♀️

10/30/2026

Today it’s partial Frugal Friday if you have a ka
“Transaction Complete” 🏃🏻‍♀️

10/29/2026

Without telling me you are an investor, tell me something either a word or statement that only investors can understand!!👇🏼

𝐇𝐀𝐕𝐄 𝐖𝐄 𝐑𝐄𝐀𝐂𝐇𝐄𝐃 𝐀 𝐏𝐎𝐈𝐍𝐓 𝐖𝐇𝐄𝐑𝐄 𝐁𝐄𝐈𝐍𝐆 𝐁𝐑𝐎𝐊𝐄 𝐈𝐒 𝐓𝐇𝐄 𝐖𝐎𝐑𝐒𝐓 𝐓𝐇𝐈𝐍𝐆 𝐀 𝐏𝐄𝐑𝐒𝐎𝐍 𝐂𝐀𝐍 𝐁𝐄?Have you noticed how quickly some people tu...
10/29/2026

𝐇𝐀𝐕𝐄 𝐖𝐄 𝐑𝐄𝐀𝐂𝐇𝐄𝐃 𝐀 𝐏𝐎𝐈𝐍𝐓 𝐖𝐇𝐄𝐑𝐄 𝐁𝐄𝐈𝐍𝐆 𝐁𝐑𝐎𝐊𝐄 𝐈𝐒 𝐓𝐇𝐄 𝐖𝐎𝐑𝐒𝐓 𝐓𝐇𝐈𝐍𝐆 𝐀 𝐏𝐄𝐑𝐒𝐎𝐍 𝐂𝐀𝐍 𝐁𝐄?

Have you noticed how quickly some people turn a disagreement into an opportunity to remind you that you don't have money?

You could be discussing an issue that has absolutely nothing to do with finances, and suddenly, somebody is asking you what you have achieved, what you own, or whether you can afford the kind of life they live.

Wait. What does money have to do with the argument we were having?

When did we start measuring the value of a human being almost entirely by the size of their bank account?

What happened to intelligence?

What happened to wisdom, integrity, creativity, emotional maturity, and the ability to teach somebody something they didn't know yesterday?

Must every human being prove their worth by showing you money?

Look around the world. There are researchers, scientists, teachers, writers, and inventors whose contributions to humanity cannot be measured by how much cash they display. Some spend years pursuing knowledge, developing ideas, and solving problems that make life better for millions of people.

Yet, in our society, a person can have an incredible mind, beautiful character, and valuable knowledge, but the moment they are not financially successful, some people treat them as though they have nothing to offer especially at family leve.

And that is a dangerous way to think.

Money is important. Let's not pretend otherwise. Poverty can make life difficult, and financial stability matters. Nobody should be shamed for wanting to make money or live comfortably.

But money should be one measure of a person's circumstances, not the complete definition of their worth.

A person may not have money today, but they may possess knowledge you need, wisdom you lack, discipline you admire, or a character you should learn from.

And let me say something uncomfortable: having money does not automatically make you intelligent. It does not automatically make you kind, emotionally mature, honest, or wise.

You can be wealthy and still be empty in areas of life that money cannot teach you how to fill.

So why do we allow financial status to silence people who have something meaningful to contribute?

Why do we use poverty as an insult whenever we want to hurt somebody?

As a society, we need to learn how to see people beyond their financial circumstances.

Your bank account tells me something about your finances. It does not tell me everything about your mind, your character, your experiences, or the kind of human being you are.

Let's stop reducing people to what they can buy, what they can give us, or what they can do for us financially.


𝐒𝐓𝐎𝐑𝐘 𝐓𝐈𝐌𝐄 : 𝐓𝐇𝐄 𝐒𝐄𝐑𝐕𝐀𝐍𝐓 𝐖𝐇𝐎 𝐃𝐑𝐄𝐀𝐌𝐄𝐃 𝐎𝐅 𝐁𝐄𝐂𝐎𝐌𝐈𝐍𝐆 𝐇𝐈𝐒 𝐌𝐀𝐒𝐓𝐄𝐑An African tale about ambition, wisdom, and the price of tran...
10/28/2026

𝐒𝐓𝐎𝐑𝐘 𝐓𝐈𝐌𝐄 : 𝐓𝐇𝐄 𝐒𝐄𝐑𝐕𝐀𝐍𝐓 𝐖𝐇𝐎 𝐃𝐑𝐄𝐀𝐌𝐄𝐃 𝐎𝐅 𝐁𝐄𝐂𝐎𝐌𝐈𝐍𝐆 𝐇𝐈𝐒 𝐌𝐀𝐒𝐓𝐄𝐑

An African tale about ambition, wisdom, and the price of transformation.

Investors, In a certain African village, long before the roads were paved and the nights were illuminated by electricity, there lived a wealthy merchant whose prosperity was the envy of many.

He owned vast farmlands, warehouses filled with merchandise, and caravans that travelled across distant kingdoms. His name was spoken with admiration in the marketplace, and his counsel was sought by kings and ordinary men alike.

Among those who served in his household was a young man named Musonda.

Every morning, Musonda watched his master dress in magnificent robes, receive important visitors, negotiate profitable transactions, and command the respect of influential men.

And every evening, as he retired to his small quarters behind the compound, he whispered the same prayer:

"𝑶𝒏𝒆 𝒅𝒂𝒚, 𝑰 𝒕𝒐𝒐 𝒔𝒉𝒂𝒍𝒍 𝒍𝒊𝒗𝒆 𝒍𝒊𝒌𝒆 𝒎𝒚 𝒎𝒂𝒔𝒕𝒆𝒓."

He imagined himself riding the finest horses, living in a beautiful compound, and having servants attend to his needs.

He desired his master's life.

He admired his master's wealth.

He envied the influence of his master.

But he never studied the wisdom of his master.

Investors, one evening, an Wise Elder arrived at the merchant's compound. Having observed Musonda for several days, the Elder called him aside.

"Young man," he asked, "what do you desire most in life?"

Musonda answered without hesitation.

"I want to become as wealthy and respected as my master."

The old man smiled and asked another question.

"Then tell me, what have you learnt from him?"

Musonda began describing his master's magnificent house, beautiful clothes, vast farmlands, and expensive possessions.🤦🏻‍♀️

The Elder interrupted him.

"I did not ask what your master owns. I asked what you have learnt from him."

Musonda fell silent. Ba Muso sure!!😀

Then the elder spoke words that would trouble him for many nights:

"𝐘𝐨𝐮 𝐡𝐚𝐯𝐞 𝐬𝐩𝐞𝐧𝐭 𝐲𝐞𝐚𝐫𝐬 𝐬𝐭𝐮𝐝𝐲𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐞𝐰𝐚𝐫𝐝𝐬 𝐨𝐟 𝐰𝐞𝐚𝐥𝐭𝐡 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐬𝐭𝐮𝐝𝐲𝐢𝐧𝐠 𝐭𝐡𝐞 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬 𝐭𝐡𝐚𝐭 𝐩𝐫𝐨𝐝𝐮𝐜𝐞 𝐢𝐭. 𝐘𝐨𝐮 𝐝𝐞𝐬𝐢𝐫𝐞 𝐡𝐢𝐬 𝐡𝐚𝐫𝐯𝐞𝐬𝐭, 𝐛𝐮𝐭 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐧𝐞𝐯𝐞𝐫 𝐚𝐬𝐤𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐡𝐢𝐬 𝐬𝐞𝐞𝐝𝐬."

Ba Muso lowered his head.🙇🏽‍♂️😀

The Elder continued:

"Every day, you watch your master count his money, but you have never asked how he multiplies it. You admire his business, but you have never studied how he builds it. You envy his freedom, but you have never understood the discipline that purchased it."

And then came the final words:

"A man may sleep beside a river for twenty years and still die of thirst if he never learns to draw water."

That night, Musonda stopped praying merely to possess what his master possessed.

He began asking to understand what his master understood.

He started learning the language of business, the principles of trade, the management of money, the art of negotiation, and the wisdom of creating value.

Years later, Ba Muso became a prosperous merchant himself.💃🏿

Not because he wished harder.

Not because fortune suddenly smiled upon him.

But because he stopped confusing proximity to success with preparation for success.

And that, my investors, is where our conversation begins.

The marketplace does not reward wishes. It rewards value.

A dream may reveal the future you desire, but knowledge helps you understand how to pursue it.

Ambition may inspire you to begin, but competence determines how effectively you can continue.

And while opportunities may occasionally favour the unprepared, preparation improves your capacity to recognise, maximise, and sustain them.

𝑻𝒉𝒆 𝒍𝒊𝒇𝒆 𝒘𝒆 𝒂𝒅𝒎𝒊𝒓𝒆 𝒎𝒂𝒚 𝒃𝒆 𝒘𝒂𝒊𝒕𝒊𝒏𝒈 𝒐𝒏 𝒕𝒉𝒆 𝒌𝒏𝒐𝒘𝒍𝒆𝒅𝒈𝒆 𝒘𝒆 𝒌𝒆𝒆𝒑 𝒑𝒐𝒔𝒕𝒑𝒐𝒏𝒊𝒏𝒈!!!





10/28/2026

WEALTH WEDNESDAY!!
The same way we hype over wearing designer clothes, carrying designer bags. Let’s make sure our future is designed… aini?

10/27/2026
10/27/2026

The beauty of mentorship is that sense has been extracted from the nonsense! They say that wounded people often wound other people, so let's be vigilant!

DO YOU KNOW ?That LuSE rang another bell today! 🔔 OneSquareK Property Development Plc (OSK)  has listed. Those who have ...
10/26/2026

DO YOU KNOW ?

That LuSE rang another bell today! 🔔

OneSquareK Property Development Plc (OSK) has listed.

Those who have researched and followed the IPO ceremony can share details in the comments to aid those in interested.

Personally, I haven’t yet gathered data.




𝐇𝐎𝐖 𝐓𝐎 𝐅𝐑𝐄𝐄 𝐘𝐎𝐔𝐑𝐒𝐄𝐋𝐅 𝐅𝐑𝐎𝐌 𝐁𝐀𝐃 𝐃𝐄𝐁𝐓!!One painful truth is that you got yourself in that bad debt situation and it will ta...
10/26/2026

𝐇𝐎𝐖 𝐓𝐎 𝐅𝐑𝐄𝐄 𝐘𝐎𝐔𝐑𝐒𝐄𝐋𝐅 𝐅𝐑𝐎𝐌 𝐁𝐀𝐃 𝐃𝐄𝐁𝐓!!

One painful truth is that you got yourself in that bad debt situation and it will take only you to come out of it!!

1. Focus on One Debt at a Time
Break your debt goal into manageable steps. Make the minimum payment on all loans, then focus on paying down one loan at a time using one of these strategies:

Avalanche Method: Pay off the loan with the highest interest rate first to minimize interest costs and free up cash for other debts.

Snowball Method: Start with the smallest loan for quick wins, then apply that payment to the next smallest loan. This method provides motivational boosts as you eliminate debts.

2. Pay More Than the Minimum
While you must meet the minimum payment, doing more significantly reduces your balance. Every extra dollar helps lower your principal and the interest you pay.

3. Consolidate Multiple Balances

If you have access to a lower-rate loan option, you may consider consolidating your loans by getting one lower interest loan to clear all other loans and remain with one. Having one creditor leaves you with just one payment, making your debt more manageable.

4. Free Up Cash to Pay Debt Faster
Every extra dollar toward debt repayment reduces your balance and interest. Trim your expenses, identifying areas to cut costs, sell some of the things you own for debt reduction.

𝑾𝒉𝒊𝒍𝒆 𝒊𝒕 𝒎𝒂𝒚 𝒕𝒂𝒌𝒆 𝒔𝒐𝒎𝒆 𝒕𝒊𝒎𝒆 𝒕𝒐 𝒃𝒆𝒄𝒐𝒎𝒆 𝒅𝒆𝒃𝒕 𝒇𝒓𝒆𝒆, 𝒚𝒐𝒖 𝒘𝒊𝒍𝒍 𝒈𝒆𝒕 𝒕𝒉𝒆𝒓𝒆!!




Address

Windsor
Halifax, NS
B3K1S4

Alerts

Be the first to know and let us send you an email when Memory B Simwaba MSc FCCA AZICA posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Memory B Simwaba MSc FCCA AZICA:

Shortcuts

Share

Category