MUST-READ: 5 THINGS YOU SHOULD STOP NOW FOR YOUR SANITY

We’re not halfway into the year yet and it seems like the world has gone insane. Between the locust invasion in East Africa, Coronavirus spreading rapidly across the world and climate change, it’s easy to be anxious and stressed.

If you are looking to reduce stress, here are a few things you should consider letting go of for your own sanity.

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1. Dwelling on the past

Moving on can be difficult, especially if you are holding on to something that cuts deep down.

However, holding on to hurt will not help you heal or change the past. It’s better to focus on what you can change – yourself. Your past doesn’t define you. Treat your mistakes are lessons and use them to grow.

How do you move on? Accept that whatever happened can’t be changed, forgive yourself and others and grow from the experience.

2. Social media comparison

It’s not a myth that social media can affect your mental health. In a world of curated perfection, it’s easy to constantly feel anxious.

If you consume yourself with comparing your life with that of others, you can never be truly grateful for yours. Click To Tweet

Be thankful for how far you’ve gone and work to ensure that many doors of opportunities open for me.

3. Over-Scheduling

If you are taking on so much that you feel like you are stretching yourself beyond your limits, you might be suffering from ‘yes’ syndrome.

Constantly saying “yes” without thinking or checking whether things fit with your goals is unhealthy. It’ll leave you constantly busy with little productivity.

To break this habit, focus on your priorities. To check yourself, here are a few questions to ask yourself before you say yes:

  • Will it stop me from having time for me?
  • Am I saying “yes” because I feel bad or guilty?
  • Will saying “yes” delay me or lead me closer to my goals?
  • Am I automatically saying “yes” without thinking about it?
  • Will saying “yes” stop me from relaxing, having fun and spending quality time with family and friends?

4. Not auditing my circle

While forming relationships is important, you need to manage your inner circle personally and professionally.

For instance, if you have close friends who don’t support and push you to become the best version of yourself, it’s time to take a look and ask – “Who am I associating myself with?”

Whether you are networking up, down or sideways, always focus on maintaining relationships that build you up.

5. Not practicing self-care

Even computers need sleep. Even the most effective systems in the world need a rest period. The human body works the same way.

When you push your body to its limits without getting rest, there are very serious health consequencesI’ve been there.

If you are running a chaotic schedule, integrate breaks into your schedule, book regular checkups with your doctor to hold yourself accountable, and make time to do the things you enjoy.

Take your rest as seriously as you take your grind. Click To Tweet


Join a class of ambitious women who are networking and learning how to grow their careers. Sign up for the Motherland Mogul Insider program.

SHEAMOISTURE SPOTLIGHT ON HEALTHY LIVING QUEEN: LYNDA ODOH – CEO HEALTHIFY AFRICA

SheaMoisture is the enduring and beautiful legacy of Sofi Tucker. Widowed with five children at 19, Grandma Sofi supported her family by selling handcrafted shea butter soaps and other creations in the village market in Sierra Leone.

Sofi became known as a healer who shared the power of shea and African black soap with families throughout the countryside.

She handed down her recipes to grandson Richelieu Dennis, who founded SheaMoisture and incorporated her wisdom into the brand’s hair and skincare innovations.

SheaMoisture products and collections are formulated with natural, certified organic and fair trade ingredients, with the shea butter ethically-sourced from 15 co-ops in Northern Ghana as part of the company’s purpose-driven Community Commerce business model.

SheaMoisture has partnered with She Leads Africa to support and showcase Nigerian women who support their communities.

Meet Lynda Odoh

Lynda Odoh-Anikwe is the CEO and founder of Healthify Africa.

She is a Medical Doctor from the University of Nigeria and started Healthify Africa. Healthify Africa is an enterprise that strives to tackle the dietary risk factors for non-communicable diseases.

In the course of her daily interactions with patients, she realized that people were most driven by convenience and availability when making healthy lifestyle choices.

Lynda decided to start a fruit delivery service. She hopes this will create an enabling system for busy urban dwellers, to conveniently meet the World Health Organization’s daily fruit recommendation for a healthy life.

Her vision is to see an African continent where adopting a healthy lifestyle is easy, practical and sustainable.

You can connect with Lynda and her business on Instagram, Twitter, and LinkedIn.


Tell us how you started Healthify Africa.

When I began to practice as a medical doctor, I saw that there were so many instances of non-communicable diseases that could have been avoided by a simple dietary change.

I started Healthify Africa because I wanted to create a solution to the problem of non-communicable diseases. My goal with Healthify Africa is to address dietary risk factors.

I do this by providing a service that helps busy people adopt healthy eating habits. This is done through a simplified system and healthy lifestyle advocacy.

At Healthify Africa our focus is on increasing the consumption of fruits for busy urban dwellers through a delivery platform. By providing affordable fruit boxes, fruit cups, fruit and dip platter to school children, homes and offices, we’re building a healthier Africa one person at a time.

SheaMoisture

What was your motivation for finally starting your business?

For me, it was because I had been in similar situations and I understood the challenges people face in trying to adopt and sustain healthy dietary habits.

I grew up in a health-conscious family and I grew accustomed to having a very healthy diet. However, when I became a young adult and my schedule became tighter especially during my internship, it became extremely difficult to eat the right things.

It was a situation of knowing the right thing to do, but being unable to do it. I knew then that there must be other busy young people like me, men, women and even mothers who wanted their children eating fruits but were pressed for time as I was.

"I realized that just like myself, people were most empowered by convenience and availability rather than just knowledge." – dr_lyndah Click To Tweet

That for me was a huge community need that I passionately wanted to see addressed. So I made the decision to become the change I desired by creating an enabling platform. A platform that supports healthy food choices so as to help myself and others with the same challenge.

What makes your brand stand out?

Healthify Africa is not just another food company, that caters to only satisfying hunger. Instead, my brand is particularly focused on ensuring that everyone has access to the daily consumption of 400g of fruits, as recommended by the World Health Organization (WHO).


The vision is to create a world where healthy eating is most practical and the dietary risks of non-communicable diseases reduced to the barest minimum.

That, as well as our commitment to healthy lifestyle advocacy, has been a huge attraction for our clients because they can see it.

SheaMoisture

What are three things you struggled with when your business kicked off and how did you overcome them?

When I first started my business, a lot of people did not understand what we were trying to do and that equated to zero orders. We had to create a lot of awareness about the health benefits of patronizing our convenience-based service.

Also, through our follow-up and feedback system, we tried to encourage our clients to make referrals and this has continued to help our brand.

Secondly, being a fruit delivery service, food hygiene, presentation and safety during transit were some of my topmost priorities. It was a challenge finding the ideal packaging that met all the criteria and would still fit into our production cost.

I did my online research and eventually was able to find a reliable supplier that we now work with.

SheaMoisture

Finally, it was important that our fruit packs get delivered in a cold temperature range for a great client experience. This was a challenge when we had to deliver long-distance orders. This was an issue because there is currently no thermostat equipped delivery services operating in Abuja where we operate from.

To overcome this, we currently partner with a reliable express delivery service and improvise with ice packs in the chillers for long-distance deliveries. Hopefully, in the near future, we can have our very own thermostat equipped delivery bikes.

How do you stay above the noise in your industry?

We made sure to implement a system of receiving and acting on feedback, from early on in the business so that we know what exactly our clients want and tweak our approach to offer them that.

This has been really helpful in building a business that our clients love and customer retention as well.

Did you have any personal experience that taught you a business lesson?

Before I started my business, I had a few unpleasant experiences with logistics. On one occasion, I was to make a trip and I had made an earlier arrangement with a cab driver. However, on the morning of the trip, he was a no show, which made me have to find another one. To cut the long story short, I ended missing the bus I was to get on.

When I began my business, I took that experience with me and created a better delivery structure. I ensure that all delivery arrangements are made on time to avoid communication-related challenges. As a second step, I also make backup plans to ensure that I don’t disappoint my clients.

SheaMoisture

Can you tell us of any impact have you made in your community since you started your business?

As a medical doctor, I am really passionate about helping people live healthier lives and I made sure to infuse this into my business.

Through my brand, I have been able to raise awareness about the prevention of non-communicable diseases. Also, we have encouraged people to sustain a healthy lifestyle by organizing health and fitness challenges.

Most recently, we actively participated in the 2019 global week for action against Non-Communicable diseases. We engaged in a social media awareness campaign (#enoughNCDs #healthifyafrica) and an educational video series with a team of Doctors.

It is of great value to me that my clients are enlightened and empowered to make the right decisions for their health. – dr_lyndah Click To Tweet

Can you share your 2019 goals with us and what you’ve done so far to achieve them?

Since we had already introduced our business, our 2019 goal was to broaden our client base. Our method was to strictly implement feedback from clients. Also, we started building partnerships that will ensure quality product delivery and unforgettable customer experience.

After doing this for some time this year, we have recorded an increase in the number of clients that have requested for our service. This is something we are going to keep doing since it’s bringing positive results.

We believe it has laid a great foundation for more successes with so many growth possibilities ahead and we are optimistic about that.

What are three interesting things about you?

The first is that I love DIY’s. I have actually painted my room from start to finish on two different occasions just for the fun of it. The last is that I love the power bikes but I’m too scared to get one yet.

SheaMoisture

What’s your favorite self-care routine?

I like to get soaked in a warm bath after a stressful day. I simply light my candles and toss in some petals. After that, I take a mental trip to wherever the CALM Meditation App takes me to, preferably the waterside.

How do you feel about this opportunity to promote your brand on SLA, sponsored by SheaMoisture?

I feel absolutely ecstatic! When I first saw the email from SLA and SheaMoisture, I was so excited. I had to read it over and over again to make sure it was really for me. Thank you so much She Leads Africa and SheaMoisture for this opportunity.

What is one word that should come to people’s minds when they think about your product/ services?

Authentic!

You can find SheaMoisture products at Youtopia Beauty stores nationwide and on Jumia.


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How to rise above disappointments like a boss

There is this weakness that comes with disappointments or failure. One cannot really tell if it’s that kind of ‘general body weakness’ or something that goes beyond that. Something inexplicable.

That kind of feeling that makes one feel static, with little or no zeal to move forward. No doubt failure is often accompanied by disappointments and a lot of pain, which leads to unfulfillment or even depression.

Here are some ways to deal with and rise above these situations


Never Give Failure Power Over You!

It’s important for us to note that failure only has as much power as we give it. No! This is not saying you should immediately be filled with joy, slot in your best song and start dancing like nothing happened. (Well, you can do this if it works for you)

However, the point here is, the day we determine to deal with those failures and move on, is the day we actually move on.

Dealing with failure entails dealing with the dark clouds of disappointments, and the pain that comes with it.

Until this is done, every other thing will seem stagnant, as one may not have the drive to move on to the next phase of life.

Life is a Teacher! Take Notes

We see books on ‘Secrets To Success’ here and there, but I think there should also be books on ‘Secrets To Failure’.

This is not to guide one ‘into failure’ but ‘across it’. Knowing the bumps, as well as dos and donts of getting across where true success lies.

When we know the secret to failure in a particular field, it will be easier to either avoid or overcome it. For now, life remains the one school that teaches all, with no exception to failure.

This is the reason, moving on doesn’t just require leaving a particularly rough phase without taking anything along. Most failures leave us with nothing but lessons.

Whether these lessons are positive or negative doesn’t matter. What matters is for one to take note of these pitfalls, in preparation for the next phase of life.

Learn To Move On!

There is never a time life would take a pause because of one’s disappointments. So, the greatest evil we can do to ourselves after experiencing failure is to hold on too tight to it, that life leaves us behind.

Yes, bring it out! Pour out the emotions even if it means letting the tears escape your eyes, but after all these, move on! Even if you have to start inch by inch.

Change Your Narrative Now

Life happens, but how often do we happen too, after a particular setback in our relationships, businesses, careers or just our overall private life.

Often times what we do when life happens negatively is sit in the pain, perhaps in the midst of sympathizers and wait for things to keep happening to us, as it pleases.

The table can be turned around when you join the league of people who change their narratives. They may fall at some point, but they choose the better option of rising again.

They take their lives in their own hand with a sense of purpose.
They do not remain ‘nouns’ in a world that is a ‘verb’ itself. They move!

Success has no tribe, race or gender. Ironically, failure is even one of the major factor binding the history of most winners all over the world today.

When you fall, there are two choices- either you sit on the ground (till a good Samaritan come to pick you up) or rise and move on.

Moving on doesn’t mean one won’t feel the pain or shame of falling.

Moving on only indicates you’re in control of life, rather than life being in control of you, and this will definitely facilitate reaching your intended desired result.

Start happening! Stop waiting for things to happen. Change your narrative and live again!


This month of October, our theme is Girl Talk. We’re touching all topics relating to your personal life, mental health and so much more. Got something to discuss with us? Send us a DM to ASK SLA here.

The Tech and STEM pioneer of Botswana

The goal is to have a national coding competition where all the students will come to Gaborone and showcase their projects. 

Captain Kgomotso Phatsima is best known in Botswana for her pioneering work as one of the few women pilots in the country. Her career began in the military, and she diligently worked her way up to becoming a real force to be reckoned with. 

Captain Phatsima’s work as a pilot and her passion for youth development led her to discover that there were very few girls who were adept at – or even interested in science, technology, engineering and mathematics (STEM) subjects, which are key for the aerodynamics space.

Not only are STEM subjects integral for becoming a pilot, or engaging in the aerospace industry, they are also essential for the development of human capital and the future of business in Botswana, Africa, and the world.

She founded the Dare to Dream Foundation (of which she is the President) in 2008 which deals with the advancement of youth, women and girls in STEM, aviation and aerospace as well as entrepreneurship development, with the intention to get young people interested in STEM-preneurship and the aviation and aerospace business.

Connect with Kgomotso Phatsima and her business on social media.


Why I founded Dare to Dream…

When I was growing up, I never had the chance to sit like this with a pilot or get into an airplane until I had the chance to fly one.

After I qualified as a pilot, I sat down and thought: ‘What can I do to give the upcoming generation – especially those who grew up in a village, like me – an opportunity to do that?’.

I started Dare to Dream to give back to the community and to try and open up their eyes to opportunities that they wouldn’t otherwise be exposed to.

On the ‘barrier’ to girls’ entry into STEM & traditionally ‘female/male-dominated’ subjects…

I will talk about myself and my own experience here.

When I told my parents that I want to fly and be a pilot, my mother said ‘In our time, a girl could never fly a plane. You cannot be a soldier!’

Sometimes it goes back to our upbringing and the culture. A girl must be domestic, and boys also have prescribed activities.

So we separate ourselves from engaging in these things. The same mindset goes on to say that ‘Some things are hard, and are only for men’, like piloting or engineering.

With some of our families, their backgrounds are what can hinder the involvement of girls in certain subjects and limit girls to certain careers.

But as the times and technologies change, and with other women and organizations such as ours showing that it’s possible, there is more of an acceptance that you can be and do anything you want.

Is Africa / Botswana in a good position to keep up with the world’s “breakneck’ speed?

I think so because the demographic dividend of the youth in Africa indicates that young people make up most of Africa at 60 percent.

I think that the whole of Africa is at a good advantage to participate in the technological changes that are taking place right now.

There are a lot of young people who are interested in technology. I also think that Batswana are in a good position to take advantage of what is happening.

We just need to channel the youth in the right direction to take advantage of the technological era, and prepare them for the Fourth Industrial Revolution (4IR) and the businesses of tomorrow, which will be different from the businesses of today.

How Botswana (and Africa) can prepare for ‘The 4th Industrial Revolution (4IR)’…

In other African countries such as Rwanda, you’ll find that coding and robotics are taught in schools and they are part of the curriculum.

Recently, President Cyril Ramaphosa of South Africa stated that coding will be taught in schools. We in Botswana are a little slower in catching on to these developments.

At Dare to Dream, we partnered with Airbus to sponsor 1,500 students across the country in rural places and trained them in robotics in order to prepare them for 4IR.

We need to channel the youth in the right direction to take advantage of the technological era and prepare them for the Fourth Industrial Revolution (4IR) – @KPhatsima Click To Tweet

It was also important that they know that there are careers in the aerospace industry that are STEM-related that they can take advantage of.

We are looking forward to partnering with the Ministry of Education, but there have been some delays, which I hope will be overcome in the future.

Dare to Dream’s most engaged stakeholders…so far…

We have engaged Airbus and also partnered with Botswana Innovation Hub, the University of Botswana and Botswana International University for Science and Technology – BIUST.

BIUST created an initiative to encourage young girls to get into STEM subjects because they realized that the number of girls applying for these subjects was low. They had called 100 girls from Central District schools to participate. 

We form partnerships with organizations with the same mandate as us. For example, Debswana is interested in the 4IR and getting young people engaged in it, so we have partnered with them and they have assisted us to roll out our programs.

We have also done work with Major Blue Air, who own planes. The girls get a chance to get onto the planes, and I fly the children.

It’s not just about STEM, it’s about exposing the girls to new experiences and igniting the passion within them. There are other organizations doing work in the same area, and we are looking forward to also having them on board.

There is something very powerful about collaboration.

We have also recently partnered with EcoNet, who have chosen me to lead the Youth Development Programme in coding and entrepreneurship.

What we are doing differently is that we are teaching the kids how to code and build websites, but also entrepreneurship and leadership skills. We have enrolled the first 500 participants and we are starting in July this year. 

The role Dare to Dream is playing in the conversation (and action!) towards Africa’s readiness for 4IR…

Even though we have trained 1 500 students, we realized that there is a gap with the teachers, and so we are preparing to train teachers in order to fill that gap.

After going around the country and doing work in 40 schools, I realized that the teachers themselves don’t know about 4IR, coding or robotics. Coding isn’t part of our curriculum at the moment; only a few schools have robotics kits, but they don’t know how to use them.

So, then we pulled in Debswana and other sponsors to train the teachers for a week at the University of Botswana. From there, the teachers will go back to their respective schools and train the students.

The goal is to have a national coding competition where all the students will come to Gaborone and showcase their projects. 

How young African women can be a part of The 4th Industrial Revolution (4IR)…

We want young people to solve African problems using technology – @KPhatsima Click To Tweet

Also, we want to teach them that they can look around for themselves, and identify where the problems are, and create devices and apps to overcome them, and make money out of them.

The fact that we are training teachers and students is a good step because we are pushing them towards appreciating the importance of 4IR and the power of technology in building businesses.


Botswana is one of Africa’s success stories, from one of Africa’s poorest countries to a vibrant, developed, middle-income African state.

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SheaMoisture Spotlight On Award-Winning Midwife: Tolu Adeleke-Aire – CEO ToluTheMidwife

SheaMoisture is the enduring and beautiful legacy of Sofi Tucker. Widowed with five children at 19, Grandma Sofi supported her family by selling handcrafted shea butter soaps and other creations in the village market in Sierra Leone.

Sofi became known as a healer who shared the power of shea and African black soap with families throughout the countryside.

She handed down her recipes to grandson Richelieu Dennis, who founded SheaMoisture and incorporated her wisdom into the brand’s hair and skin care innovations.

SheaMoisture products and collections are formulated with natural, certified organic and fair trade ingredients, with the shea butter ethically-sourced from 15 co-ops in Northern Ghana as part of the company’s purpose-driven Community Commerce business model.

SheaMoisture has partnered with She Leads Africa to support and showcase Nigerian women who support their communities.

About Tolu Adeleke-Aire

Tolu Adeleke-Aire is the CEO and founder of ToluTheMidwife.

She is an internationally trained, dual-qualified healthcare professional. Tolu is an accomplished senior midwife and nurse. Tolu has over ten years of clinical and management experience.

She completed an MSc in Healthcare Management, after which she worked with the reputable UCL (Department of Nutrition).

Tolu founded ToluTheMidwife to create a holistic experience for families. One that included preparing, supporting and empowering expectant parents as they transition to parenthood. She does this through evidence-based health education.

One parent at a time, Tolu is living her business mantra, “save a mother, save a child, save a community.”

To learn more about Tolu’s business and connect with her, visit her Website, Instagram, Twitter, and Youtube.

ToluTheMidwife Healthcare Solutions, how did you start?

I started ToluTheMidwife Healthcare Solutions (officially) in 2018. The aim is to prepare, support and empower expectant parents as they transition to parenthood through evidence-based health education.



Birthing a baby is a life-changing experience,and services rendered must offer a holistic approach. – @ToluTheMidwife Click To Tweet

At ToluTheMidwife, we offer Antenatal Classes, Postnatal Classes, exclusive “With Woman” services and Dads Antenatal Classes #DadsAntenatalNg.

Through effective health education, we can influence a positive change in health behaviors. This will drastically reduce Nigeria’s maternal and neonatal mortality rates.

We truly believe that informed and empowered parents will Save a mother, Save a baby and Save a Community.

What was your motivation?

While still working in England, I visited Nigeria often because I always wanted to move back.

So during one of these visits, I read an article about the atrocious maternal and neonatal mortality rates. I instantly became obsessed.

That article made me struggle to understand why so many women die just because they are having a baby. On further research, I noted many women lack basic evidence-based health education.

As a result, I created Tolu the Midwife to fill this gap, with the hopes of saving mothers, babies, and communities.

What makes your brand stand out?

I would say our dads antenatal classes, #DadsAntenatalNg. We are the first to incorporate antenatal classes for dads in Lagos and possibly Nigeria.

Society expects men to understand the beautiful yet challenging changes that happen to women during pregnancy. To support their partners in labor and in the postnatal period.

All that without being taught, educated, informed or even supported.
This is grossly unfair, drives men away and generational patterns are subconsciously repeated.

Our holistic approach covers the transition to parenthood right from conception for both men and women.

Another thing we do is offer our couples, round the clock online maternity support through our exclusive “With Woman” packages.

Couples feel very reassured knowing there is a midwife available to answer all their questions and alleviate any anxiety or refer them to the hospital (if required).

Can you tell us one 1 to 3 things you struggled with as a business owner and how you overcame them?

1. Time management: I had a demanding full-time job and was starting a business in Nigeria.  It was very challenging and I found no matter how hard I tried, the “naija factor” would disrupt my plans.

I am currently working part-time, as this gives me enough time to focus on building ToluTheMidwife and The Maternity Hub (Nigeria). 

I am also able to attend various courses which have been extremely helpful in building my brand.

2. Funding: I was unable to secure a personal space as I had planned and this threw me out of sync. I froze the plans I had for the classes for a while.

However, I am currently leasing spaces as required for my classes (pay-as-you-go) and this is working out really well.

How have you managed to stay above the noise in this industry?

As a brand new start-up, we are trying new and exclusive services such as dads antenatal classes and baby massage classes and evaluating the response we get from our clients.  

We also constantly monitor maternal needs and trends.

Do you have a personal experience that taught you a business lesson?

I didn’t consider the third party factor and it left me devastated at the start of my business. 

As an example, I write the handbooks for the classes and have them updated throughout the year.

I gave the first book to a printer and I didn’t receive them on time for the very first class. It made me upset because when I did receive them, they were not fit for purpose.

So when I updated the books again and sent them to the printer, I monitored every single step to avoid a repeat of what happened before.

It was a really helpful learning experience for me because as a startup, I can’t afford to have a stain on my reputation, so I take all the necessary steps to ensure it doesn’t repeat itself.

What impact have you made on your community since starting this business?

I would say being able to make pregnant couples feel informed and empowered about their pregnancy, birthing options, and postnatal care. Most of them report feeling less anxious and worried because they know we are one call away.

They also ask the midwives and doctors to complete all aspects of their antenatal check-up. The women have their personal antenatal handheld notes, so they keep track of the important numbers in pregnancy.

All in all, I have been able to support more parents and help them become more informed and prepared to welcome their children to the world.

What is your major goal for 2019, and what have you done so far to achieve it?

My major goal is to add new services to ToluTheMidwife. This is partially completed but we would love to regularise the frequency of the classes.

We are also working hard to open The Maternity Hub. A one-stop hub for maternity, with services from conception to 6 weeks postpartum.

Can you share with us three interesting facts about yourself?

I am a real foodie and funny too, so you’ll usually catch me chilling and laughing.

Another interesting thing about me is that I prefer a good movie and company, over living it up in the clubs and bars on a Friday night.

How do you feel about this opportunity to promote your brand on SLA sponsored by SheaMoisture?

Absolutely ecstatic. SLA is an awesome platform for amazing African women.

To have our services featured on your sites, sponsored by SheaMoisture is truly an honor.


You can find SheaMoisture products at Youtopia Beauty stores nationwide and on Jumia.


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Want to Join an Investors Club With a Low Budget? Here’s what you need to know

Ever heard of the term Plutophobia?

Plutophobia is derived from Pluto (wealth) and Phobia (fear) is the fear of wealth.

Yes, it is actually a thing that there are people who are afraid of being rich. It sounds funny, I even feel like laughing out loud as I type this, but looking at it deeply makes it not so funny.

Like, how can someone be afraid of being wealthy when we all know that money answereth all things? (We are well aware of immaterial wealth but for the sake of this article, all mention of wealth refer to money and all the riches that come with it).

There is also something called Chrometophobia. Chermato (money) and Phobia (fear) which is the fear of money.

The key triggers of phobias are external events which might be heredity or life experiences.

You might have heard time and time again that investment is not for the rich only. But then, you don’t know how exactly to invest with a low budget.

What if I told you that you do not need huge amounts of money to invest in portfolios that can give you beautiful rewards.

All you need is to have the right information and go where the opportunities abound.

Before you invest, first decide if you are willing to invest either for a short term or a long term.

This will enable you to look in the right places, thereby saving time and being decisive from the onset.

Pay attention to the following before your first investment:

  • Beware of “too good to be true” offers. Examples are investments that offer high returns just after two days.
  • Understand the risks that come with the investment you are taking up.
  • Do your own proper research.
  • Always get the second opinion from friend, family or an investments expert.
  • Ensure that there is physical paperwork stating all the terms of investment.

Now that you have the information on what to do before you invest. Here are some investment opportunities you can start investing with as low as N5,000 monthly:

Image result for no way black woman gifs
  • Mutual funds
  • Money market funds
  • Real estates
  • Treasury bills via i-invest app
  • Agriculture
  • Invest in a friend or family’s business with properly drafted contracts
  • There are also private investment opportunities where you get up to 10% monthly on commitments from as low as N50,000

Remember that you won’t get rich by hoarding money in your savings account or leaving them in a piggy bank. It is by investing.

A change in mindset would help you navigate away from societal misconceptions about being wealthy as a woman.

It would also help you overcome the fear of charging your worth for services you render or the good you sell. And as time goes on, you will see yourself making the money that you were long due to make, but afraid to ask for.

Like I mentioned earlier, decide on the type of investment you want and why you want it then go for a suitable opportunity.

Now that you are well informed about investments and how it can help you become wealthy, do you still hold any reservations about it?


How are you improving your spending habits this month? Click here to join the SLA #SecureTheBag challenge.

Why your business may not have access to the funds it needs to scale

Being a financial analyst gave me the opportunity to relate with several entrepreneurs – some of whom I met during my undergraduate days at OAU (of the Greatest Ife!).

They all have one common problem – lack of funds to expand their respective businesses.

Please note that this article is not about me giving you money. However, one of my future goals is to set up a Private Equity firm alongside other partners and invest pooled funds in SMEs across Africa.

Until then, let us just focus on why small businesses are unable to access available funds.

To make this article as captivating as possible, I will assign three consecutive tasks to you and implore you to carry them out. If possible as you complete these tasks and take notes, new ideas may drop on your mind.

Wondering why you haven't gotten the funds you need to boost your business? Read this article… Click To Tweet

Task One – Imagination 

If you are a business owner, or you hope to start a business someday, I want you to picture this, as broad as you can.

[Insert the name of your business or business idea] as something you are proud of, a brand that transcends one country, something your unborn generation will bless you for, a trailblazer in its industry, and all the other good stuff you can possibly picture it to be.

Task Two – Reflection

Assume you are one hundred percent sure that task one will become a reality.

Then reflect on the possible factors (financial or non-financial – for example, regulatory, social, environmental, etc.) that could hinder your reality or drop the level of certainty to a much lower percentage.

That is enough!

Task Three – Reality Check

Ask yourself these few questions, especially if the factor from task two is a financial factor.

However, let me quickly inform you that there are several financial aids or grants, which are exclusively available to SMEs.

You just need to look in the right places and meet the requirements (if any).

Back to the questions…Ask yourself

  • Why am I unable to access the funds required to give my business (or business idea) the boost it deserves?
  • Why do financial institutions, investors (or even friends and family) turn me down when I approach them for funds?

You don’t have to sweat if you have no answers.

A few weeks ago, I carried out research on these questions, with potential investors, business owners, finance practitioners and other informed persons as my respondents. If you are one of them and you are reading this, THANK YOU.

Most of their answers centered on the following:

  1. Lack of integrity: I know this is probably an underrated reason, but 80% of my respondents referenced this. Your lack of integrity could cover these areas:
  • If you divert the money you get to personal matters other than your business.
  • Do you over-promise the potential investors an unrealistic return on investment (ROI)?
  • Do you keep two sets of financial records – one for tax purpose (to evade taxes) and the other for the true picture of the business, and so on? The list is endless.

Most investors have been in the business of financing for long. They would have done their due diligence.

If you give potential investors any reason to doubt your integrity, you can as well wave their financial aid goodbye!

Just so you know, even a devious investor does not want to invest in a dubious person or business.

2. Inability to sell yourself and your business appropriately: This may sound cliché, but it is also a major reason.

If you are unable to convince me to invest in your business, how on Earth do you think I will give you my money on my own volition?

Is your business plan compelling? Or is it over-optimistic? Please note that over-optimism is not a bad trait.

However, this is business, and money is involved, so, you need to prove to the potential investor that you have done your homework or research.

Your business plan should reflect economic realities. Wait a sec! Do you even have a business plan? Read more… Click To Tweet

3. Lack of business management skill or experience: Most of us want to be our own boss – fair enough.

However, if you do not know how to manage a business, if you have not worked under someone before, if you have not undergone any training or if you come off as an incompetent person when it comes to that business and how you talk about it, then you limit your chances of getting funds or capital from potential investors.

A final take-home

You claim you need capital for your business. Fine!

If a potential investor asks how much you need to expand your business to “xyz” level; will you be able to respond with an amount (or a range) on the spot?

As an entrepreneur, you should have an elevator pitch about your business and a summary of what you would do with the money assuming you had immediate access to it.

Do you know why some businesses are not getting the funding they need? Please share with us.


Catherine Lesetedi: Botswana’s Boss Woman

Botswana

Catherine Lesetedi is a graduate of Statistics from the University of Botswana. She has built a career in the insurance industry since she joined it in 1992. Currently, Catherine is the Group Chief Executive Officer of Botswana Insurance Holdings Limited (BIHL).

She has built her career from scratch, and over the years, she has been adamant that adopting a flexible style of leadership is beneficial for leading an organization and getting the best out of her team.

Her career so far…

Looking at Lesetedi’s career, nothing about her story and her leadership principles and philosophies are ‘textbook’. Her style of leadership is pliable and acrobatic. It lends itself to whatever situation she and her team are in.

She’s extremely driven, open and open-minded, preferring to lead from behind, pushing her team forward, encouraging their gifts and honoring their intellect, allowing them to innovate, to grow and give to the business what she cannot.

Catherine maximizes on their strengths and makes sure that wherever there are gaps, there are people who are passionate, willing and able to execute and fill them.

Her journey there…

There is nothing predictable about Catherine Lesetedi. Even her choice of Statistics as a field to study at the University of Botswana (UB) was a bit of a wild card, even for her.

She describes it saying, “when we were making choices about what to study at varsity, we didn’t really know much about careers, to be honest with you, I didn’t know anything about Statistics until I got to the Department of Student Placement at the Ministry of Education.”

“I was late; my father and I had run out of fuel. By the time we arrived, I was out of breath, and I had forgotten my initial course choices. My brother, who I really admired, had studied Public Administration and Political Science, and that’s what I wanted.”

“They said that that weird combination didn’t exist, and told me that I was going to do Statistics and Demography.”


“If you think something is difficult, it becomes really difficult. If you think you can do it, sometimes you even surprise yourself.”
– Catherine Lesetedi,
CEO, BIHL Group

Her life experiences…

She studied Statistics at the University of Botswana, and even though her journey into that field was incidental, once there, she made the best of her situation, excelled and gleaned many things that she took forward with her into the rest of her life.

Certain experiences and her mindset set the stage for her early career and propelled her forward.

According to her, “in terms of decision-making, logical thinking, the confidence, and aptitude to learn; the program grounded me.”

“I may not use the formulas every day, but there are skills that I gained that I apply on a daily basis, even if I don’t recognize that ‘this is Statistics.”

The mathematical element empowered her to be able to engage with budgets and numbers, and not shy away from that aspect of whichever job she did.

Her philosophies for life…

All of the disciplines in the world are interrelated, so having a good understanding of what is going on across the board is beneficial for one; especially if a young woman wants to build herself up and build her career.

This is something she practices herself because, throughout the course of her career, she has gradually improved upon her leadership skills, attending leadership courses and taking on the responsibility of self-improvement.

Doing this has encouraged her to take a deeper look at herself; what drives her and pushes her beyond her own limitations. This outlook has put her in good stead as a leader, as someone who encourages others, ensuring that they are able to get the best out of what they need to do.

As a mentor, both personally and professionally, the story that she tells, the
example that she sets, is one of “show up and do your best.”

Ms. Lesetedi is big on recognizing talent and putting it to good use within the BIHL Group. These are some of the elements that make her up as a woman, as a leader, and these are some of the things that she has imparted to her mentees.


Botswana is one of Africa’s success stories, from one of Africa’s poorest countries to a vibrant, developed, middle-income African state.

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Share this with your friends and family, let’s get the bag this September.

3 Reasons why you are an impulsive spender and what to do about it: Lydia Chinery – Hesse

This September, we’re out here on these streets trynna secure the bag. If you’re an impulsive spender, this one is for you.

As a financial advisor working with Holborn Assets, Lydia Chinery-Hesse has helped clients put measures in place to control their spending while increasing their savings and growing their wealth.

She has been working with various nationalities to help them plan their financial future by giving them transparent, objective and honest advice. Lydia helps them visualize their personal (and business) goals and structure a plan towards achieving them.

Earlier this year, she created a Facebook group called Love Yourself Financially, a community of global women who are dedicated to being the boss of their finances.

Their goal is to be financially secure and free – which has a different meaning to each member.


The Scenario

You’ve just finished a successful meeting and decide to take a short walk through the mall, for some window shopping.

Before you know it, you’ve spent money shopping for more clothes you don’t need!

It’s 4:15 pm and you’re absolutely famished. While you could wait another hour to get home and eat some leftovers from last night’s home-cooked supper, you decide to order food that would cost the same amount as your groceries for the week.

Even if you haven’t found yourself in one of these situations before, you’ve definitely spent money impulsively in one way or another.

  • Why is this?
  • Why are we so impulsive? More importantly…
  • What can we do about it?

Here are the three main reasons for being an impulsive spender, and a few ways you can improve your spending habits.

1. You’re using a credit card

Studies show that when we pay using our credit card, we’re more likely to spend money. With a credit card, your thinking will be more along the lines of “out of sight, out of mind”, as you don’t see the money ‘leaving’ your wallet.

Conversely, when we spend with cash, it hurts a little, and you tend to think twice before spending it.

What should you do about it?

• Until you get to a point where you have significantly improved your discipline in this area, ditch the credit card.

• Ditching the card means spending cash only.

• Withdraw your cash allocation for the week, and carry only what you need on a daily basis.

2. Because money should be spent

If you’re able to spend money impulsively, consider yourself fortunate to have the money to do so. That being said, just because you can, doesn’t mean you should.

As an impulsive spender, It’s likely you’re not tracking your expenses by writing them down or through an app.

If you did, you’d be less likely to spend mindlessly as you’d always be aware of what you’re spending on and how much you’re spending. 

What should you do about it?

• Before you’re about to buy something, you want, pause. Wait a day, a week, a month or longer to determine if you really need it. Chances are you don’t.

• Track your expenses, create a budget and live by it.

• Get an accountability buddy. When you’re itching to spend, call a friend you trust who will talk to you straight.

• Meal prep. Don’t give yourself an excuse to buy a meal. 

• Try no-spend days a few times per month.

In addition to all of these, it’s worth considering…what else could you be doing with that money? This brings me to my last point:

3. You are not thinking long-term

Image result for African woman thinking gifs

Living for today will most likely mean scrambling or struggling in the future.

Perhaps it would be wiser to live according to this African Proverb, “For tomorrow belongs to the people who prepare for it today”. 

What should you do about it? 

• Set your savings goal and reward yourself for achieving them (without spending money – be creative!)

• Save towards future plans. Put some money aside monthly towards that goal, whether it’s a vacation, car purchase, etc.

• Be intentional about your long term goals. This begins by figuring out how much you’ll need to either live comfortably in retirement or to reach financial security (where passive income pays for your expenses).

Once you have that figured out, work backward from there to determine how much you should be saving (and investing) in order to reach your target.

Practicing delayed gratification improves your discipline and you’ll also enjoy the financial rewards in the future – @lydialydzzz Click To Tweet

It takes some self-reflection and being honest to admit that there are areas in which we need to be more disciplined in order for the impulsiveness to end. 


How are you improving your spending habits this month? Click here to share your story with us.