BecomingGolden

SHARING THE BEST VERSION OF YOURSELF WITH OTHERS

Hello, I am Advocate Brownie Ebal

I am a legal Practitioner, Venture Capitalist and Philanthropist.

Welcome to my site.

I love life, travelling, food, beauty, the law, leadership and meeting people from diverse backgrounds. I hope to inspire each one of you with my various articles as I share from my experiences around our beautiful world.

I live in Kampala, Uganda.

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    Article 38: Woman in the Eyes of God: Reclaiming a Lost Identity by Maria Matembe

    written by Brownie Ebal and Nakiyimba Victoria.

    Dr. Miria Matembe has spent much of her life advocating for gender equality, challenging societal norms that limit women’s potential, and fighting for justice in both law and politics. In this book, she turns her attention to one of the most deeply rooted obstacles to gender equality—religious misinterpretation and misapplication. Society has long dictated that women
    must be submissive, silent, and secondary to men, but Dr. Matembe presents a different perspective—one that she believes aligns more closely with God’s true design.


    With the sharp mind of a lawyer and the passion of a reformer, she takes a bold approach in re-examining scripture, aiming to restore women’s identity in the eyes of God. She argues that rather than being excluded from God’s mission, women have always played a central role in His divine plan. Through a careful interpretation of biblical stories and principles, she seeks to replace centuries of misrepresentation with a renewed understanding—one that empowers women to embrace their God-given purpose.


    Dr. Matembe’s career is a testament to her unwavering commitment to justice. As a lawyer, legislator, minister, and advocate, she has influenced national and international policies, particularly in constitutional law and governance. She played a key role in shaping Uganda’s progressive constitution and has championed the rights of women in leadership, ethics, and integrity. Now, through this book, she extends her mission beyond legal and political spheres, calling upon women to reclaim their place in God’s plan—not as silent bystanders, but as active participants in His work.


    With personal conviction and scriptural insight, Woman in the Eyes of God: Reclaiming a Lost Identity is both a challenge and an invitation. It is a call to women to rise, to see themselves as God sees them, and to walk boldly in the truth of their restored identity.


    Maria Matembe speaks with conviction about the role of women in God’s mission. She emphasizes that Christ’s death and resurrection restored both men and women to their original status before the fall. She calls upon women to fix this truth in their minds and rise up to follow Jesus, their Redeemer. With passion, she reminds women that they were not left out of God’s plan for restoration. “How great and honorable,” she exclaims, “that you, a woman, were a party to God’s plan of restoration for humankind! Glory to God!”


    Reflecting on the story of Rebekah, she points out how, in assisting Jacob to secure his father’s blessing, Rebekah was co-working with God to fulfill His divine purpose. According to His will, Esau was never meant to receive that blessing, though God did not reveal this secret to Isaac. Maria Matembe observes that many times, women in families have had to resort to indirect
    means to secure what they believe is right, simply because they have been ignored or denied participation in important decisions. She empathizes with such women and urges men to recognize the wisdom that women bring. “My appeal to men,” she says, “is to allow women to participate in decision-making, so that their God-given wisdom can be harnessed for the benefit
    of the family.” Otherwise, she warns, women are left with no choice but to use indirect means, which are often misunderstood and misjudged.

    She speaks with admiration about the many women who co-worked with God to fulfill His mission for Israel. She recalls the bravery of the Egyptian midwives, Shiphrah and Puah, who defied Pharaoh’s orders and saved the Israelite baby boys. “Had these women obeyed Pharaoh, the Israelites would not have increased in number,” she notes. Jochebed, the mother of Moses,
    also stands out in her reflections. “How could she have known that her child was special unless God revealed it to her?” she asks. Maria Matembe insists that God grants wisdom and boldness to the women He calls into His mission.

    She stresses that God can use any woman—whether ordinary, noble, professional, young, or old—as long as she is available. “Your status, whether married, single, or widowed, is not a hindrance,” she asserts. “Even the most vulnerable woman can be used by God.” She challenges widows and single mothers not to make excuses. “Cooperation with God is all that is required,” she declares.


    Maria Matembe is particularly drawn to Esther’s story, seeing her as a model for leadership, especially on the African continent. She praises Esther’s wisdom, courage, and determination to save her people, and draws lessons from Deborah, a judge and prophetess who was both a political and spiritual leader while managing her household. “This,” she insists, “proves that
    women can be public leaders and still maintain strong family roles.” She also finds inspiration in Jael, who, alongside Deborah, played a crucial role in securing Israel’s victory over Sisera. “Too often, women fight against each other instead of working together to defeat common enemies,” she observes. “Yet, in the end, God’s purpose prevails, regardless of who gets the credit.”


    She highlights the daughters of Zelophehad, who boldly approached Moses to claim their inheritance. “And when Moses consulted God, the Lord affirmed them,” she says, quoting the scripture: ‘What Zelophehad’s daughters are saying is right.’ She believes that the law was settled long ago by God Himself, and women today must rise and demand its application.


    Maria Matembe speaks passionately about the grace of God upon women. She draws from the life of Rahab, a woman society despised, yet one whom God chose to be in the lineage of Christ. “This is good news for women whom society looks down upon,” she says. “God values you and wants to work with you for His kingdom.” She urges women not to let their past define them, reminding them that Ruth, through her love and faithfulness, earned a place in Jesus’ lineage. “You are who God says you are,” she declares. “Embrace your destiny!”


    She also reflects on Bathsheba, whose story was one of restoration. “Despite her past, God honored her by making her the mother of Solomon, one of Israel’s greatest kings,” she notes. “When we surrender to God, He turns our stories around.”


    Maria Matembe finds it deeply significant that women were the first witnesses of Christ’s resurrection. “The gospel of Christ centers on His death and resurrection,” she says, “and who were the first to witness it? Women.” She reminds her audience that it was women who stood by Jesus in His suffering and death, and it was women He entrusted with the greatest message of all time: ‘He is not here; He has risen!’

    She also speaks of Deborah’s courage in calling Barak to battle. When Barak refused to go unless Deborah accompanied him, she agreed but told him, ‘Because of the way you are going about this, the honor will not be yours, for the Lord will hand Sisera over to a woman.’ Maria Matembe reflects on this and calls upon men to be like Barak—men who recognize and support
    the strength of women rather than suppress it. “What mattered to Barak was not whether a man or woman got the credit,” she says. “It was about victory.” She prays that more men will rise with courage and wisdom to support women in realizing their divine purpose.

    With a firm voice, she challenges women not to wait for an invitation. She recalls the woman who entered the Pharisee’s house uninvited to anoint Jesus’ feet. “Step into the spaces where decisions are made,” she urges. “Whether in government, business, or ministry, let your presence
    be felt. And when you step in, let your actions make a difference in the lives of those you serve.”


    For Maria Matembe, the message is clear: God has always used women to fulfill His mission, and He is still calling them today. The question remains—are they ready to rise and answer His call?

  • Article 37: ICSA MENTORSHIP PROGRAM 2024

    written by Brownie Ebal and Nakiyimba Victoria

    In today’s dynamic corporate world, success demands more than technical knowledge—it requires mentorship, strategic insight, and a commitment to continuous growth. That is why the ICSA Mentorship Program 2024 is a must-join opportunity for professionals aiming to excel in governance, leadership, and personal development. This thoughtfully designed program equips participants with the skills and tools they need to navigate challenges, build their professional brand, and lead with purpose.

    The program featured an impressive lineup of facilitators, including Dr. Rita Kabatunzi (Program Lead, Company Secretary, Stanbic Uganda Holdings), Allan Rwakakooko (Legal Manager, UMEME Ltd.), Annabel Mwesigye (Legal and Compliance Officer, Vision Group), Francesca Kakoza (Director Legal, IRA), and Godwin Otim (Human Resource Specialist), among others.
    These experts shared candid insights on critical topics such as personal development, purposeful leadership, effective networking, and sustainable self-care.

    Here are 22 key takeaways to accelerate your personal and professional growth.

    1.Conducting a successful board meeting
    Effective board meetings require a forward-looking perspective, ensuring compliance while managing straightforward issues with ease. A well-structured meeting promotes value-added discussions, prioritizes good time management, and focuses on the organization’s success. Board meetings should always be purposeful and strategic, allowing participants to engage in discussions that push the organization forward.


    A successful board meeting is characterized by a clear agenda aligned with the organization’s mission, strategic conversations that go beyond routine updates, and an environment that encourages valuable insights from all members. Preparation is key-an annual board work plan should ideally be prepared three months before the new financial year, and board papers should be distributed a month in advance for thorough review.

    2. Lessons from marathon running: staying goal-oriented and focused
    Drawing a parallel to marathon running, the importance of goal orientation, consistency, and continuous improvement was emphasized throughout the series. Like marathon runners training for endurance, professionals must focus on their organization’s success while remaining self-aware and committed to constant self-improvement.

    Self-awareness plays a crucial role in professional development, allowing leaders to identify their strengths and areas for growth. Knowing oneself is a powerful tool for networking, building stronger relationships, and gaining support for key initiatives. Surrounding yourself with the right people-your “tribe”-can further fuel growth and success.

    3. The Secrets of victory lie in the non-obvious
    Success often stems from the seemingly simple but essential practices of meticulous planning, segmentation of tasks, and sticking to a timeline. An annual board work plan should be developed months ahead of time, critical documents should be shared on schedule and anticipating what others might contribute during meetings can keep you ahead of the curve.

    Being proactive is key: aim to be indispensable and visible by doing more than just your job. Understand your business, know the key executives, and consistently position yourself as someone who delivers results. Resourcefulness, self-awareness, and the ability to delegate when
    necessary are crucial traits of effective leaders who exceed expectations.

    4. Building a strong network
    Ian Mutiibwa (Managing Partner, Signum Advocates), Allan Rwakakooko (Legal Manager, UMEME), and Annabel Mwesigye (Legal and Compliance Officer, Vision Group) emphasized the critical role of networking for career advancement, influence, and personal growth. Networking involves mastering your role, contributing confidently to discussions, and cultivating
    trust, collaboration, and partnerships that drive mutual success.


    The mentorship series identified three essential types of networks for professionals:

    • Operational Networks: Relationships with colleagues involved in daily work.
    • Strategic Networks: Connections beyond one’s immediate team, spanning across departments or roles.
    • Developmental Networks: Relationships with mentors, advisors, or senior leaders that provide guidance and growth opportunities.

    Participants were encouraged to regularly engage with influential figures in their field, understand their strengths and foster reciprocal relationships that build trust. Moreover, they were reminded that influence in the workplace often stems from navigating office dynamics strategically—not as manipulation but as a means of aligning relationships and influence to drive
    meaningful outcomes.

    5. The importance of self-care and preventing burnout
    Mary Louise Nassuna, Wellness Enthusiast and Experienced Researcher, highlighted burnout as a significant risk in high-pressure roles, often stemming from chronic stress. She emphasized the importance of regular self-care routines to mitigate this risk, including physical exercise, adequate sleep, annual health checkups, and maintaining meaningful social connections. By investing in physical, intellectual, and social capital, professionals can build resilience and achieve long-term success.


    She also underscored the role of financial management as a form of self-care. Allocating 60% of income to expenses, 10% to savings, and the remainder to personal growth and investments can foster both financial stability and overall well-being.

    6. Defining personal brand and navigating workplace dynamics
    Dr. Rita Kabatunzi, Program Lead and Company Secretary at Stanbic Uganda Holdings, emphasized the importance of defining one’s brand as a leader. Being present and engaged in meetings, offering sound advice, and knowing when to escalate issues are crucial steps toward building a credible reputation. Leaders should also stay calm under pressure, wear a smile, and
    bring a sense of humor to the table. A key insight she shared was, “Dream big enough to scare you”—a reminder that ambition should push beyond comfort zones.

    Navigating workplace dynamics, she noted, requires emotional intelligence, which encompasses self-regulation, empathy, and effective decision-making. The Johari Window, a psychological tool for self-awareness and mutual understanding, was introduced as a way to foster deeper connections with colleagues, enhancing both team cohesion and individual growth.

    7. Embracing emotional intelligence and personality awareness
    A critical theme highlighted in the mentorship series was the power of emotional intelligence (EI) in navigating workplace dynamics. Leaders with high EI exhibit self-regulation, empathy and social skills-traits that allow them to connect meaningfully with colleagues and inspire trust. By improving these areas, individuals can become more effective in managing both their own emotions and interpersonal relationships, which ultimately boosts team morale and productivity.


    Participants were encouraged to explore personality assessments to better understand their natural tendencies, such as extroversion or introversion, and whether they are more intuitive or structured in their approach. These insights provide a foundation for understanding one’s strengths and potential areas for growth, making it easier to work in alignment with others and build strong professional relationships.

    8. Recognizing and appreciating colleagues
    Recognition is a powerful motivator. People thrive when they feel appreciated and valued, and taking the time to acknowledge achievements can significantly boost motivation and morale. Leaders should make it a priority to recognize contributions, whether through public acknowledgment in meetings or through personalized messages of appreciation.

    Fostering a culture of recognition helps create mutual respect and encourages collaboration, allowing everyone to contribute to the organization’s success. Acknowledging colleagues’ efforts not only boosts individual morale but also strengthens the collective drive toward
    common goals.

    9. Navigating office politics
    Moses Kaahwa, Company Secretary at MTN Uganda Foundation, reframed office politics as an essential tool for influence rather than a negative force. He encouraged leaders to view office politics as the art of building relationships and understanding the informal power dynamics that shape organizational decisions. By becoming politically aware and adept at navigating these dynamics, leaders can create opportunities to advance initiatives that align with their organization’s goals.


    Effective navigation of office politics, he emphasized, requires self-awareness and a willingness to compromise. Building trust and cultivating genuine partnerships often prove more impactful than technical expertise. Leaders who master this dynamic can drive success through collaboration, strategic alignment, and mutual respect.

    10. Creating a lasting competitive advantage
    The series emphasized the importance of cultivating a unique competitive advantage in one’s role. This involves being visible and indispensable in the workplace-offering unique skills or insights that others rely on. Participants were urged to consider, “What is my competitive advantage?” This question encourages leaders to reflect on what they bring to the table that sets
    them apart, helping them become integral to their team’s and organization’s success.


    To further build a personal brand, participants were encouraged to “be present in the room” by actively listening, contributing thoughtfully, and ensuring their advice reaches the right people. Taking ownership of their contributions and consistently demonstrating value allows individuals to create a reputation that precedes them.

    11. Investing in financial and social capital
    Beyond professional skills, the mentorship series underscored the need to invest in financial and social capital as part of a comprehensive approach to personal and professional development. Financial well-being was highlighted as an essential element of self-care, with a suggested
    breakdown of income: 60% for expenses, 10% for savings, and the remaining percentage divided for personal development and social engagement.


    Social capital-nurturing meaningful relationships with colleagues, mentors, and peers-was recognized as equally valuable. Participants were encouraged to spend time with people who uplift and challenge them, contributing to both personal satisfaction and professional growth

    12. Understanding and leveraging different types of power
    Power in a professional setting takes many forms, each with its unique impact. The mentorship series explored various types of power-reward, referent, legitimate, expert, coercive, and informational-and how each can be applied to influence effectively.

    • Reward Power: Leaders can motivate others with rewards like financial incentives, promotions or recognition.
    • Referent Power: This type of power is rooted in charisma and the ability to influence others through charm and likability. Building strong relationships and a positive attitude enhances referent power.
    • Legitimate Power: Based on position or title, legitimate power is wielded by individuals at the head of a unit or team.
    • Expert Power: This power comes from specialized knowledge or expertise. It is a valuable asset, particularly when leaders use their insights to guide decisions.
    • Coercive Power: Involving the capacity to impose consequences, coercive power should be used cautiously, as it can undermine relationships.
    • Informational Power: Those who have access to vital information can exert influence simply by sharing or withholding insights.

    Mentors emphasized that increasing referent power-through relationship-building, empathy and a commitment to continuous learning-can enhance influence in a positive way. Participants were cautioned against becoming “competent jerks” who isolate themselves despite technical skills.
    Instead, a well-rounded leader cultivates empathy, a resourceful mindset, and strong connections with their team.

    13. Taking calculated risks and continuous development

    Calculated risks are integral to career growth. Professionals are encouraged to be strategic in identifying the skills they need to advance. This might involve stepping into volunteer roles, initiating informal conversations with industry leaders, or reaching out to potential mentors through platforms like LinkedIn, which can expand one’s professional circle and provide insights
    into industry trends.

    Continuous learning is key, and the importance of following experts, building a personal brand and contributing meaningfully to one’s field was emphasized. Setting SMART goals and regularly checking in with mentors helps professionals stay on track and ensures consistent progress in their careers.

    14. Enhancing communication skills and making your mark
    Rita Kabatunzi, Moses Kaahwa, and Conny Avako (Business Manager, ICSA) emphasized the importance of presenting ideas clearly and effectively as a cornerstone of influence. Attendees were advised to prepare thoroughly for presentations by understanding their audience, structuring content thoughtfully, and using visuals and hooks to maintain engagement. Techniques such as the SCQA model (Situation, Complication, Question, Answer) were recommended to help structure presentations—introducing a problem, proposing an idea, and concluding with interaction and questions.

    Effective communication, they noted, extends beyond verbal content. Body language, which accounts for 55% of the message, plays a critical role. Professionals were encouraged to use visually appealing slides, maintain professionalism in their demeanor, and tailor their presentations to suit their audience for maximum impact.

    15. Building long-term, meaningful connections
    Building quality relationships is a process that requires time and consistency. Professionals should aim to create meaningful connections rather than focusing solely on immediate gains. Industry events, mutual connections, and professional meetups are excellent avenues for building
    these relationships. The mentorship series emphasized the importance of nurturing these connections and offering value before expecting anything in return.

    Handling rejection was another skill highlighted; participants were encouraged to view setbacks as non-personal and to maintain a positive attitude. Leaders should also build a strong support network and seek help when necessary, recognizing that long-term friendships and professional
    alliances are built on mutual respect and shared goals.

    16. Embracing continuous learning and adaptability
    As the series drew to a close, participants were encouraged to stay adaptable and committed to continuous self-improvement. Emphasizing the importance of exploring emerging areas, further education such as an MBA was highlighted as a valuable step in professional development. The
    mantra “half full, not half empty” became a key reminder to focus on opportunities rather than limitations.

    A recommended strategy for staying prepared for new opportunities was to create an “open resume”—a comprehensive overview of one’s skills, experiences, and aspirations. This approach ensures that professionals are ready for advancement and can position themselves for leadership
    roles, including potential moves to CEO positions, even within smaller companies.

    17. Strategic positioning and building influence
    For rising professionals, positioning is key to visibility and long-term success. Reachel Ddumba, CEO of Steadman Consults, shared valuable insights for those aspiring to top leadership positions. She emphasized that leaders should not tolerate mediocrity and must find ways to stand out—whether by arriving early to connect with colleagues, contributing thoughtfully
    during meetings, or seeking guidance from coaches and sponsors.


    To distinguish oneself, she recommended practicing “thought leadership” by sharing insights, publishing articles, or mentoring others. She also introduced the “Spice Web Theory,” encouraging professionals to leverage their phone contacts as potential allies. “A contact is as good as a contract,” she noted, underscoring the value of cultivating meaningful relationships.

    Reachel further highlighted the importance of maintaining a positive professional presence, such as keeping video on during calls and clearly articulating ideas. These strategies, she explained, are essential for building a standout personal brand.

    18. Mastering and increasing expert power
    Building expert power—the influence that comes from specialized knowledge—was emphasized as a crucial skill. To become a valuable resource, professionals must master their craft, take on challenging projects, and respect other experts in their field. Rachael recommended sharing knowledge, developing credibility, and cultivating thought leadership. By writing articles, leading discussions, or mentoring others, individuals can solidify their authority and influence.

    Continuous learning was also a key takeaway. As one mentor put it, “Any leader who is not learning is a liability.” Adapting to new ideas and shifting from a “know-it-all” mindset to a “learn-it-all” approach enables leaders to remain relevant and innovative

    19. Reinventing and staying resilient
    Staying at the top requires resilience, adaptability, and a commitment to growth. Elly Karuhanga, Senior Partner at KAA, emphasized the importance of reinvention at key inflection points, urging leaders to take ownership and accountability for their actions.


    He advised participants to avoid “quiet quitting”—mentally checking out while remaining physically present at work. Instead, leaders should actively contribute, mentor others, and position themselves as problem solvers.
    “The world doesn’t allow us to wait,” Elly reminded participants, highlighting the need for continuous evolution and seizing opportunities for growth. By aligning with their employer’s goals and focusing on both short- and long-term objectives, professionals can make meaningful contributions and strengthen their roles.

    20. Building and nurturing trust
    Trust is essential for effective leadership. The mentorship sessions underscored the importance of consistency, dependability, and authenticity in cultivating trust. Leaders must strive to meet commitments, demonstrate technical competence, and align with their teams’ values to foster an
    environment of mutual respect.


    The series also emphasized the value of high-quality engagement beyond formal meetings. Informal interactions provide opportunities for leaders to offer support, give constructive feedback, and delegate responsibilities, ultimately empowering their teams. Establishing a culture of accountability within teams and ensuring open communication channels were identified as key elements for building trust and enhancing collaboration.

    21. Balancing work, self-care, and collective investments
    A key takeaway from the series was the importance of balancing professional responsibilities with personal well-being and financial security. Leaders were encouraged to prioritize regular self-care routines that support physical, emotional, and spiritual health. This holistic approach to well-being is crucial for long-term success and sustainability.


    In addition, the mentors recommended exploring collective investments and joint ventures with trusted individuals, starting small and focusing on sustainable growth. Building a network of like-minded, positive individuals who share common goals was emphasized as a strategy for boosting motivation, gaining perspective, and fostering resilience in challenging times

    22. Facing and overcoming challenges
    The mentorship series also addressed common challenges, offering actionable solutions to help professionals navigate obstacles. Some of the challenges included:

    • Knowledge Gaps: Setting SMART goals, creating personal development plans, and attending workshops are effective ways to bridge knowledge gaps.
    • Fear of Misunderstanding: Effective collaboration, stakeholder management, and assertive communication help in conveying one’s intentions clearly.
    • Overcoming Complacency: Mentors advised setting SMART goals, finding accountability partners, and celebrating small wins to maintain motivation.
    • Navigating Overwhelming Workloads: Teamwork, planning, and automation were recommended for managing high demands at work.
    • Fear of Failure: Seeking additional training, mentorship, and coaching can empower individuals to confront their fears and grow through challenges.
    • Networking and Visibility: Participants were encouraged to make themselves visible by joining professional associations, finding a niche, and connecting with accountability partners.

    A growth mindset-believing that one’s abilities can be developed, was emphasized as an essential attitude for overcoming these hurdles.


    In conclusion, the mentorship series provided an invaluable roadmap for professionals aiming to excel in their careers. Through candid discussions and practical advice from seasoned mentors, participants gained insight into the multifaceted journey of professional growth from mastering core skills to navigating office dynamics and building influence. The series emphasized the
    importance of strategic positioning, continuous learning, and maintaining a balanced life.

    At its heart, the mentorship series served as a reminder that success is rarely achieved in isolation. The support of mentors, accountability partners, and a robust professional network can be pivotal. We were encouraged to dream big, take calculated risks, and lead with purpose. In doing so, you not only shape your own career but also contribute meaningfully to the success of
    your organization and community.


    Ultimately, the path to leadership and fulfillment is one of resilience, curiosity, and integrity. By applying the wisdom shared in this series, we are better equipped to navigate challenges, create value, and inspire others on their journey to success.

    For more information about the program, please visit:
    https://www.cgi.org.uk

  • Article 36: 10 Money Habits You May Need to Change Right Now

    written by Brownie Ebal and Nakiyimba Victoria

    Managing money effectively is not just about how much you earn—it is about how you handle what you have. Many of us fall into financial habits that seem harmless but can actually hinder our progress. By making a few key changes, we can gain better control of our finances, reduce stress, and build wealth over time. Here are ten money habits you may need to change right now:

    1. Not Knowing Where Your Money is Going
    If you are not paying attention to your spending, it is easy to lose track of where your money goes. This is not just about budgeting—it is about being mindful. Just like in other areas of life, such as health or relationships, paying attention leads to improvement. The best way to take control is by creating and sticking to a budget.

    2. Not Revisiting Your Investment Strategy
    Your investment approach should not be set in stone. If you’re in debt and don’t have an emergency fund, it may be wise to pause investing temporarily. Once your debts are paid off and you have built a financial cushion, you can resume investing—allocating at least 15% of your
    income to secure your future.

    3. Comparing Yourself to Others
    Social comparison can make you feel like you are falling behind financially. However, everyone’s journey is different, and basing your financial decisions on someone else’s lifestyle can lead to unnecessary spending and frustration. Focus on your own goals and progress.

    4. Believing Credit Cards Will Make You Rich
    Many people assume that credit card points and rewards will lead to financial success. However, a study of 10,167 millionaires in North America found that 89% of them built wealth by saving—not by using credit card perks. Wealth is built through smart financial choices, not debt.

    5. Keeping Debt Because the Payments Are “Manageable”
    Just because you can afford a monthly payment doesn’t mean it is a good financial decision. Keeping debt around for the sake of convenience can slow your financial growth. Paying off debt as soon as possible frees up your income for more productive uses.

    6. Living from Crisis to Crisis
    If you do not save for emergencies, you will always be in debt from the last crisis. Unexpected expenses will happen—it is just a matter of when. Building an emergency fund ensures that you are prepared and will not have to rely on loans or credit cards to cover sudden costs.

    7. Paying for Random Subscriptions
    Many people sign up for subscriptions and forget about them. Conducting regular audits of your expenses will help you identify unnecessary charges. Every dollar matters and cutting out unused services can free up money for more important financial goals.

    8. Not Talking About Money with Your Family
    Money conversations should not be taboo, especially within families. Talking openly with your spouse and children about finances helps create a strong foundation. Teaching kids about money from a young age—such as earning through chores—can set them up for a lifetime of financial responsibility.

    9. Upgrading Your Car Every Time You Pay It Off
    It is tempting to buy a new car once your current one is paid off, but this cycle keeps you in a constant state of debt. Cars depreciate quickly, meaning they lose value over time. Instead of upgrading right away, consider keeping your paid-off car longer and using the extra money to invest or save.

    10. Not Prioritizing Generosity
    Giving is not just about helping others—it also changes your own perspective on money. Making generosity a regular part of your budget allows you to contribute to causes you care about while cultivating a mindset of abundance. Even small acts of giving can have a lasting impact.

    In conclusion, breaking bad money habits is not always easy, but making small, intentional changes can lead to a more stable and fulfilling financial future. By budgeting, avoiding unnecessary debt, being mindful of expenses, and practicing generosity, you can take control of your finances and build lasting wealth.

    For more insights, watch the full video: https://youtu.be/OEJz8Te4EEw?si=LkyeWILoaZA5IitD

  • Article 35: Top Ten Tips for Writing a Great Book: Insights from Keziah Elaine Ayikoru

    written by Brownie Ebal and Nakiyimba Victoria.

    On January 31, 2025, we had the privilege of attending an insightful online zoom class on writing, facilitated by Keziah Elaine Ayikoru. As an experienced author, editor, and writing coach, Keziah brought a wealth of knowledge to the session, guiding aspiring writers on how to craft compelling and impactful books.

    She emphasized that writing a book goes beyond just putting words on paper—it requires purpose, structure, and strategy. Here are the ten essential tips she shared to help writers navigate the journey from idea to published work.

    1. Start with a Strong Why
    Before you put pen to paper (or fingers to keyboard), ask yourself: Why am I writing this book? Your writing should align with your overall purpose and life’s work. A book is a tool to help you
    achieve your goals, whether personal, professional, or creative. Without a clear reason for writing, it is easy to lose direction and motivation.

    2. Have a Strong Overall Theme
    A unifying theme ties everything together and ensures coherence. As you write, constantly ask yourself: Does this fit within my theme? If not, rework it. Whether you are writing a memoir, self-help book, or novel, a clear theme makes your book more relatable and engaging. Readers should easily understand what your book is about and how it can benefit them.

    3. Know Your Target Market
    Whom are you writing for? Having a specific audience in mind shapes your writing style, content, and marketing strategy. Just like in business, defining your main target audience helps you connect with the right readers. If your book tries to speak to everyone, it might end up resonating with no one.

    4. Understand Your Genre
    Where does your book fit? Whether it is fiction, non-fiction, self-help, or poetry, knowing your genre helps you structure your writing appropriately. Study similar books in your category to learn best practices and ensure your book meets reader expectations. On word count, Keziah noted that different genres have different expectations, but 25,000 to 30,000 words is a solid
    range for most books.

    5. Tell Great Stories and Use Examples
    Stories and examples make your writing more engaging, relatable, and memorable. Regardless of your book’s genre, weaving in narratives helps illustrate key points and connect with your readers on an emotional level. Keziah also cautioned against relying on AI to write the book but
    encouraged using it to enhance, edit, and refine content.

    6. Use a Comprehensive Outline
    A well-structured outline serves as your roadmap, preventing writer’s block and keeping your ideas organized. The more detailed your outline, the easier it will be to write your book efficiently. Keziah also addressed a common question about book formats—whether to publish a physical book, eBook, or audiobook. She emphasized that the first priority should be writing a
    strong book. A well-written book can later be adapted into any format.

    7. Stick to a Writing Schedule

    Time flies, and without a clear writing plan, it is easy to procrastinate. Establish a consistent writing routine to make steady progress. The faster you complete your first draft the sooner you can refine and improve it. While apps like Google Docs make it possible to write a book entirely
    on a phone, using a computer is preferable for editing and submission.

    8. Have an Accountability Partner or Group
    Writing can be a lonely process, but having someone to keep you accountable helps you stay on track. Whether it is a writing coach, a peer group, or a mentor, accountability can push you to meet your deadlines and stay committed to your goal.

    9. Prioritize Your Title and Book Cover
    Your book’s title and cover are the first things potential readers notice. A compelling title gives insight into what the book is about, while an eye-catching cover makes it stand out. If you are not an established author, avoid vague or overly complex titles—keep it clear and impactful.

    10. Work with Professionals
    Even if you are on a budget, do not skip professional help. Editors, designers, and writing coaches can elevate the quality of your book. When choosing an editor or designer, check their track record, review books they have worked on, and have conversations to ensure they align with your vision. Marketing is another critical area, and its budget varies depending on strategy. Planning in advance helps determine costs and the best approach.

    Bonus Tip: Give Your Project Sufficient Time
    Rushing the process can lead to mistakes. Allow ample time for writing, editing, and designing your book. Also, respect the time professionals need to do their work properly.

    In conclusion, writing a book is not just about putting words on a page—it is about clarity, consistency, and commitment. With a strong purpose, structured approach, and the right support, you can create a book that resonates, inspires, and makes an impact.

    For more information, please check out @WordWeaverAfrica (Facebook, TikTok, and
    Instagram) or reach out to Keziah at +256 759 725420 / +256 783 949565.

  • ,

    Article 34: Addressing Gender Bias in the Professional Women for Water and Sanitation (PW4WATSAN) Sector.

    Written by Brownie Ebal and Nakiyimba Victoria.

    Gender bias remains a persistent challenge across sectors, including water and sanitation (WATSAN). The recent PW4WATSAN Meet-Up, under the theme “Addressing Gender Bias in the PW4WATSAN Sector,” brought together thought leaders to share insights on fostering equity, leadership, and influence among women. This article captures the key lessons and strategies discussed, with a focus on actionable steps for lasting change.

    Leadership and Influence: Insights from Hon. Miria Matembe
    Hon. Miria Matembe emphasized that leadership is not about holding a position but about creating meaningful influence. Women, as unique creations of God, possess the ability to nurture life, lead intellectually and shape the world spiritually.

    Her practical advice included:

    • Knowing Yourself: Women should develop a strong sense of identity, recognize their value, and embrace their strengths and weaknesses.
    • Defining Purpose: Women must understand their vision, calling, and talents, allowing these to guide their actions and goals.
    • Being Intentional: Living with integrity, character, and excellence ensures that women leave a legacy of positive influence.


    Quoting Isaiah 49:1-3, Matembe reminded participants of their divine purpose, urging them to bear fruits that last and to be fearless in pursuing their mission.

    Challenging Gender Stereotypes: Mr. Frank Fayo Nyakahuma’s Perspective.
    Mr. Frank Fayo Nyakahuma highlighted how entrenched societal stereotypes like “That guy behaves like a woman” or “She’s acting like she’s on her period” perpetuate gender bias. These harmful narratives stem from societal and parental roles that require deliberate change.

    To dismantle these biases, Frank emphasized:

    • Owning the Change: Individuals must take responsibility for reshaping attitudes and challenging limiting beliefs.
    • Embracing Continuous Learning: Knowledge is key to breaking barriers and developing inclusive mindsets.
    • Building Strong Networks: Connections foster collaboration and mutual empowerment.

    Circle of Influence: Managing Challenges Effectively

    In his presentation, Frank also introduced the Circle of Influence framework to help individuals navigate challenges in a biased environment:

    • Circle of Concern: Acknowledge issues beyond your control and avoid wasting energy on them.
    • Circle of Adapt: Adjust your mindset and strategies to cope with situations that require flexibility.
    • Circle of Influence: Focus efforts where you can sway outcomes and make a meaningful difference.
    • Circle of Control: Actively manage the aspects of life within your direct power to foster personal and professional growth.

    Practical Strategies from the Panel Discussion
    The panel discussion offered practical advice for women navigating gender bias:

    • Define Your Value: Understand and assert your worth.
    • Be Bold and Courageous: Draw strength from Joshua 1:9 to confront challenges head-on.
    • Ignore Negativity: Block out distractions and focus on achieving your goals.
    • Read the Room: Cultivate emotional intelligence to navigate different
      environments effectively.


    In conclusion, addressing gender bias in the PW4WATSAN sector requires intentional efforts to empower women, challenge societal stereotypes, and foster inclusive environments. As highlighted by Hon. Miria Matembe, leadership is about influence, not position, and women must recognize their value, embrace their purpose, and strive for excellence to leave a lasting
    legacy. Mr. Frank Fayo Nyakahuma urged participants to own the change by challenging limiting beliefs, building strong networks, and focusing on areas of influence and control to drive progress. By knowing ourselves, redefining gender narratives, and working collaboratively, we can transform the sector into a model of equity and inclusion. Let us commit to these principles
    and actively champion change, creating a future where everyone can thrive.

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