The Basics To Avoiding Debts.

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                                                The Basics to Avoiding Debts.

Friday afternoon and the first lesson was maths! Mwanafunzi did not look forwards to this. Boringly, he gazed

through the glass window; not hoping for a prolonged session of solving sums. The mathematics teacher

approached the classroom door sooner than Mwanafunzi realised. He adjusted his sitting position in order to get his

mind focused. He managed to absorb in the information during the introduction session. The end result experience

from the lesson was surprisingly good, interesting and attention catching.

     The lesson did not demand figures to work out. It was based on a simple activity. The students were required to

give valuable and constructive contributions, feedbacks and suggestions. Mrs. Mwalimu plotted a graph and set the

ball rolling by asking for an interpretation. It was a display of Mr. Madeni’s monthly incomes and expenditure.

At the initial glance and the answer was obvious- a critical situation! The in and out trend was incomparable. The

daily demands increasingly mounted up as the monthly income remained unchanged. The expenditures

outweighed the earnings.

Oh poor Mr. Madeni!, he needed to do something.

“Mr Madeni will soon be indebted and incur huge bank overdraft charges, ”remarked one of the students. “It’s hard,

it’s sympathetic!”exclaimed another student from a different corner. Mr. Madeni’s financial state called for urgent an

action;dealing with the situation before things crumbled.

     “Quick class, let’s think of solutions, ”suggested Mrs. Mwalimu in a provoking manner. Hands went shooting up in

the air and all sorts of suggestions effortlessly flew from the students’mouths. A summary of the enormousness and

brilliant answers were obtained.

‘Mr. Madeni should: beg from a charity, borrow money, seek for a new job, look for a well paying job, work for more

hours, learn to save up for rainy days, look for an additional job, enter a lottery, apply for benefits, and reduce his

daily spending et cetera. Mrs. Mwalimu picked on the last suggestion – ‘reduce daily spending.’

      In a simple way, everyone was set to tackle this and embrace a change. A section that was expounded and

thoroughly embarked upon! Mr. Madeni needed to: prioritise his needs, channel his money rightly, know his total

earnings and spend within his limits, distinguish needs from wants, look for means of making some profit to earn him

extra funds, search the market and compare prices before shopping, shop when there were sales and offers, go for

quality and affordable items or deals, go for alternatives like second hand items and repair and replacement

instead of instant brand new shopping. Everyone that gave a suggestion deserved a pat on the back.

     The contributions were thrilling, impressive and fabulous. Mrs. Mwalimu was left flabbergasted. Like an individual

given to meditation, she slowly flipped through the final pages of the lesson plan as she digested its outcome.

A radiant smile ran across her face as she gathered her books to leave the classroom.The smile conveyed a

satisfaction that owed the class a reward. In return, for appreciation of their great participation, everyone in the

class was given a budget calculator and a budget planner to take home. The two simple devices that most banks

and lenders use to help clients plan their finances. Tools that are of aid in warning one of the money stretch limit.

Aids that would save individuals from the pitfalls of debts and embarrassment. The parable below is just one of

these tools.

                                   Luke 14: 28-33

For which of you, intending to build a tower, does not sit down first and count

the cost, whether he has enough to finish it- lest, after he has laid the foundation,

and is not able to finish, all who see it begin to mock him, saying, ‘This man

began to build and was not able to finish.’ Or what king, going to make war

against another king, does not sit down first and consider whether he is able with

ten thousand to meet him who comes against him with twenty thousand? Or else,

while the other is still a great way off, he sends a delegation and asks conditions

of peace.

The Holy Bible, New King James Version.

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