Ekari Mtewa,

“If the world was perfect and smooth we would want to pay everything for cash and never need to get loans. But having any other loans apart from school loan and a mortgage is a huge mistake, these are the only loans which can give you tax breaks and an opportunity to use your monthly cash flow to invest or build savings”
― Ekari Mtewa

“The first way to save and invest your money is to make a budget, and it should be done when you have absolutely nothing.Once you have received the salary into your account, keep record of every expenditure, and don't buy what is not in the budget.Compare the budgeted and actual in the next month then improve”
― Ekari Mtewa Dip ICAM,BAA,CA (MW) Candidate

“The killers of savings and investments plans are impatience and the fear of death, when you want to invest, focus on what you want to be in 5 years not asking yourself senseless questions like,What if i die before the saving plan mature? Remember we didn't die 5 years ago, but look at ourselves now, we don't have any savings and no sign that we can start up our on business. A financial principled man is a dangerous man who doesn't even fear death and risks”
― Ekari Mtewa

“The first principle to financial freedom is to spend less than you earn, but never deprive yourself to have those good vehicles,make those lake trips provided you don't fall in debts.You don't need to be rich to be financially successful, provided you don't worry when paying the bills and you have enough left in the bank”
― Ekari Mtewa