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How to prioritize tasks effectively
How to manage your time efficiently
How to reduce stress and anxiety
Only apply for loans when you need it
A loan is a serious obligation and should be treated as such — it probably shouldn’t be used to impress your boys at the club! Assess your needs prior to applying — is the cash need important enough to take out a short term loan?
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Avoid late repayments at all costs
Late repayments or defaults on loans are not only a breach of the contractual agreement between a borrower and a lender; they also come with very real consequences that can be hard to shake off in the long-term.
Services such as
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Building your credit history
Loans — as with finance, in general — can do wonderful things for you when properly managed. It can help solve urgent problems, cater to substantial expenses and grow businesses.
However, when mismanaged, credit quickly becomes a source of frustration and can cause real damage to your futur...
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Limit your exposure to debt
Realize there is such a thing as ‘too much credit’. Taking on multiple loans at a time increase the risk of missing a payment and then getting stuck in nasty cycles of debt — constantly taking additional loans to pay off previous loans which you’re already struggling to service.
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Start with the end in mind
Only take loans when you are certain you will have the means to repay on or before the agreed due date(s). Be sure to confirm all interest/fees associated with the loan prior to applying. Only proceed when you are comfortable that you will be able to service the expected repayments.
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Get familiar with credit reports
If you don’t know what this is — you’re not alone! A lot of our new users start off unaware of the meaning of credit reports or the existence of the credit bureaus that store information on them. Financial instituti...
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Bring Only the Things That You Can’t Do Without
- Only the stuff that is essential or those that have special meaning for you should find a place in your suitcases when relocating overseas.
- When it comes to clothes and shoes, you should bring enough for the first couple of weeks or months. Once you settle in and explore the area, y...
Tips for if you plan to throw a work party
- Mind the employees with specific dietary requirements. You should also be sensitive to employees’ religious and cultural backgrounds.
- Keep it short and sweet. The longer that a work party draws on for, the more likely it is for emp...
Forgiveness in a cultural setting
- In many languages, "forgiveness" does not translate well. Ghana, for example, has more than 50 languages, which makes choosing a definition for "forgiveness" tricky.
- It is normal for a younger person in Ghana to offer forgiveness to an older person and hide their annoyance, even i...
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