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Interview: Wilbert Mutoko – A Business Leader And Personal Financial Expert who is Touching Nations – Part 2

Wilbert Mutoko Today at It’s My Footprint (IMFP) we continue with Part 2 of our interview with Mr Wilbert R. Mutoko (WM) the, ‘Financial Doctor’, a best-selling author. He is a renowned Personal Finance & Leadership Expert, and university lecturer for Entrepreneurship & Business Leadership.

(IMFP) I understand you have written a number of books. Let’s go into some of the work you have done.

(WM) I have authored three books: the first book is the best-selling ‘15 Secrets for Personal Financial Success – A Simple Step-by-Step Plan for Financial Freedom.’ (2012).

The second one is 16 Mistakes Singles Make Vol. 1 – A Guide to Successful Dating and Courtship that leads to Blissful Marriage’ (2014) and  the third book is What you have is Enough – How to become wildly successful in Finance and Business starting from where you are now.’(December 2015)

(IMFP) They say ‘iron sharpen iron.’ Did you have any remarkable mentors or advisors who boosted you to where you are today, what you believe in and what you are committed to in your work and life? Share with our followers about it.

(WM) I am forever grateful for my aunt’s advice and motivation – Mavis Mutoko-Gororo (MHSRIP). What my father Mark Mutoko (MHSRIP), and mother Irene Mutoko contributed to my life causes me to desire to help more people achieve their best in life. I am glad that today I am called father by many scholars, youths and adults alike because I am contributing into their human development.

Spiritually I have mainly been moulded by teachings and lives of Prof Ezekiel Guti (ZAOGA) and Dr David Oyedepo (Winners Chapel).

(IMFP) Wilbert, what skills do you consider crucial for success for an upcoming scholar and writer? 

(WM) Research skills, listening skills, thinking and creativity.

(IMFP) When you think of the future of the kind of work you’ve talked about here, what gives you a sense of hope for your future?

(WM) What excites me most is when I get testimonies of changed lives through my preaching, coaching, mentorship, writings, books or training. That gives me maximum satisfaction. The fulfilment I get from changed lives through my works is more than money. I love changing lives.

(IMFP) We hear you talk lots about Botswana and South Africa. When shall we expect the impact of your works in Zimbabwe?

(WM) I have lots in Zimbabwe between 1995 and 2002 in terms of preaching and mentoring young people. Of late I have donated my books to SOS Harare and University of Zimbabwe. The project is expected to continue with me and Coach Princess donating more books to many centres.

In 2016 we also hope to launch my third book in Harare to benefit my people.

(IMFP) What is the worst experience you have gone through and what lessons have you drawn from it?

(WM) When I fell ill during A-Level. I learnt that God reigns, without God; there is no success to talk about. He gives and takes life. Without him I am nothing. For this reason, whatever I do; I remind myself that my success is for his glory. Therefore, I must never think that I am better than others.

(IMFP) How do you define success?

(WM) I define success as continuous progress in your pursuits. Success is being able to continuously deliver excellent results in your line of duty. Success is not having a lot of money; although having a lot of money can help you to become more successful. Success is being able to positively affect more and more lives with what you have.

(IMFP) If you could spend time with someone who has attained the kind of success you are looking to reach, what questions would you ask them?

(WM) I would ask the following questions;

  1. How did you become who you are?
  2. What excites you most about what you do?
  3. What disappoints you most about what you do?
  4. What three pieces of advice would you give to someone who desires to become as successful as you are?

(IMFP) What social cause(s) do you support/advocate for?

(WM) Donating to orphans, widows and less privileged. Spreading the Gospel of our Lord Jesus Christ

(IMFP) What economic cause(s) do you support/advocate for?

(WM) Teaching about entrepreneurship and money. I passionately want people to know that job creation can change our economies. But it is not the work of governments to create jobs. Governments should create a conducive environment for businesses to start and thrive. It is you and I i.e. the private sector that can reduce poverty and create employment. I also want everyone to learn how to make and grow money. Money is not taught in schools; so all of us must read books, attend seminars etc. to equip ourselves with financial knowledge.

(IMFP) What kind of friends do you have and how have they influenced the person you are?

(WM) My best friend is my wife. All others are just acquaintances. I like positive minded people that learn and desire to teach others good things. I like people that love others and strive to make a difference. It is time for Africa. So I get excited when I meet people that are keen to develop Africa, regardless of their race or place of origin.

(IMFP) Financial Doctor, if you weren’t doing what you are doing now, what would be your occupation?

(WM) I would be a full time pastor. I love people. Yaah. I really do.

(IMFP) Who was your first hero? Are they still your hero today?

(WM) Mark Tichaona Mutoko – my father. He was the man. No one among those born of a man and a woman can beat my late daddy on this one.

(IMFP) Financial stability, intelligence, emotional maturity and attractiveness: which would you pick if you could only have two of the four?

(WM) For me, number one is financial stability, followed by emotional maturity. I out emotional maturity on number two ahead of intelligence because I have seen a lot of intelligent people that blew up opportunities due to lack of emotional maturity.

(IMFP) What is on your playlist currently?

(WM) Anything by my favourite – Pastor Charles Charamba. He is the man, together with his awesome wife Olivia Charamba. What an amazing and humble couple. I love them to bits.

(IMFP) Financial Doctor, what impact have your career choices had on your loved ones?

(WM) It has widened their horizons. My children for instance, are always on their toes because I tell them that they must be better than me in everything. So it looks I am giving them a tough target with the things I am doing. Furthermore, I do not want to choose careers for my children, I help them decide what they want to do.

(IMFP) Are you where you envisioned you would be five years ago? Where do you see yourself five years from now?

(WM) Interestingly, yes. But I am a wild dreamer, so some of my crazy dreams are yet to come to pass.

(IMFP) What was the last book you read and what did you learn from it?

(WM) I am reading Robert Kiyosaki’s book – Retire young, retire rich. I am learning that retiring rich is my choice and it will help me to help the less fortunate.

(IMFP) How would you describe your character?

(WM) I am sober, straight-forward, strict, tough inside, very loving and caring, lover of fairness; faithful, trustworthy and dependable.

(IMFP) What is the craziest thing you’d like to achieve/attain?

(WM) I would like to address all presidents of the world in one sitting in a group coaching session where I help them how best to manage themselves and manage their countries. I see myself owning minimum 20 universities before I am promoted to heaven. I see myself enjoying my birthdays from 3 years to come with orphans, widows and less privileged.

•	What you have is Enough – How to become wildly successful in Finance and Business starting from where you are now (IMFP) What characteristics do you look for in a partner, business or personal? Integrity, integrity and integrity.

(IMFP) Let’s talk about Wilbert the man! Give us a bit of your social and family life. 

(WM) I am a family man. Although I am extremely busy; I create quality time for my wife and 3 kids. I create time to play games with my kids and wife because ‘charity begins at home.’

I love testifying about Christ. I only became a pastor at Winners Chapel in 2010, but I have always been a preacher from 1995. I love to direct people to the only one who can help them fully – Jesus of Nazareth.

(IMFP) Thank you so much financial doctor for taking time off your demanding schedule. We appreciate and value your useful advice.

(WM) You are most welcome and thanks once again for having me.

If you enjoyed this article, share it with your most favourite friends! 

Please share your thoughts, ideas and comments below!

© Copyright 2016 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Career, Entrepreneurship, Family, Leadership, Marriage and Relationships, Personal Development, Personal Finance Tagged with: , , , ,

Interview: Wilbert Mutoko – A Business Leader And Personal Financial Expert who is Touching Nations

Wilbert Mutoko Today at It’s My Footprint (IMFP) we speak to Mr Wilbert R. Mutoko (WM), the ‘Financial Doctor’, a best-selling author. He is a renowned Personal Finance & Leadership Expert, and university lecturer for Entrepreneurship & Business Leadership. 

Mr Mutoko is a member of Association of Botswana Financial Advisers (ABFA). He is accredited as a trainer by Botswana Qualifications Authority (BQA) and South African Qualifications Authority (SAQA). 

Wilbert is a final year PhD scholar in Business Management from North West University, South Africa. Among other qualifications, Mutoko possesses an MBA from MANCOSA, South Africa; an International Certificate in Wealth Management from CISI, UK; an Award in Financial Planning from CII, UK; ICSAZ Part C; and a Diploma in Education from University of Zimbabwe.

(IMFP) Mr Mutoko, welcome and thank you for spending time with us at It’s My Footprint.

(WM) Thank you for having me. I count it a great privilege.

(IMFP) Can you start by giving our followers a brief background of yourself, your experience, education and current career status?

(WM) I’m a Zimbabwean native born in 1975. I did my primary education at Mutoko Primary School 1982 to 1988. My secondary education was at Dewedzo Secondary School from 1989 to 1992. 1993 I attended Form 5 at Nyatsime College in Chitungwiza. But due to lack of school fees, I had to move to Marondera to do Form 6 at Nyameni High School in 1994. That was an evening school where I learnt with working class people. I was always a hard worker and believed in being top of the class. I got this excellence attitude from my father.

Unfortunately, I was ill between March and October 1994 and I had to stop going to school. On 17 October 1994, pastors at Miracle Centre, Mutare helped me to accept Jesus Christ as my personal Savior and they prayed for me to be healed. I was healed instantly and I went back to school to write A-Level examinations starting from 21 October 1994. As you would expect, my results were affected by the period I was away from school. I got 9 points and could not qualify to go into University of Zimbabwe (UZ), unless I had chosen to do Political Administration (PolAd). I was not interested in PolAd, so I refused the UZ offer.

In 1995 I became a temporary secondary school teacher at Mazarura Secondary School in Nyanga. That was between May and August 1995. Between September and December 1995 I became a temporary secondary school teacher at Crossdale Secondary School in Nyanga. Then I enrolled at Mutare Teachers’ College under University of Zimbabwe, specializing in Accounts/Geography 1996 to 1998.

Between January 1999 and June 2002 I was a high school teacher in Zimbabwe. In 2002 June I got a job in Botswana as a high school teacher until January 2008 when I quit teaching to go fulltime into a business that I had started in 2003. I studied for Institute of Chartered Secretaries & Administrators between 2000 and 2005 and ended on Part C, which helped me to enrol for MBA in 2007. I graduated in 2010 with MBA. In Botswana from 2003 up to date I have run consultancy, training, pest control, car sales businesses. I love lecturing and raising entrepreneurs that is why since 2013, I took up a job as a university lecturer.

As a seasoned Motivational, Business and Financial Speaker, I has transformed lives of thousands in Botswana, South Africa and Zimbabwe. I have consulted and spoken for organizations, such as British Council, Barclays Bank, Mapleton Finance, Lifeline, Office of the Ombudsman, Government Departments and churches. The churches include Winners Chapel International, Assemblies of God, Forward in Faith Ministries International, Anglican Church, United Methodist, Bread of Life, Revealed Word Ministries and Christ Citadel Church.

In the past I served as a business subjects’ teacher for eight years. I then became an Independent Financial Planner at Southern Cross International Finance. After that I served as Managing Director for The ProFin Group (Botswana). Currently I serve as a senior lecturer for entrepreneurship and business leadership at a university in Gaborone, Botswana.

I am passionate about raising leaders that will wipe away ignorance. Ignorance causes the shame of Africa (poverty, diseases, ignorance, and misuse of funds, lack of accountability, greed and corruption). My aim is to reduce Africa’s ignorance through mind-shift activities such as lecturing, training people in workshops, conferences and seminars; writing helpful books and articles; and motivational speaking on radio and television.

I also write for various magazines and newspapers. I have written over 100 articles on personal finance, personal development, leadership and entrepreneurship. The articles are published in various media, including, internet, Wealth Magazine, the Economic Insight Magazine; Botswana Schools Guide Magazine, The Mining Insight Magazine, Mmegi Newspaper, Voice Newspaper and Echo Newspaper.

I have addressed the nation of Botswana several times on financial issues and personal development through Yarona FM, Gabs FM, RB2 FM, Duma FM and E-Botswana TV.

(IMFP) WOW! Financial Doctor, this is amazing. Now, to get where you are there is a story, how did it all start?

(WM) I grew up in rural Rusape in a village called Mutoko under chief Nedewedzo, Makoni West District, and Manicaland Province, Zimbabwe. I am a rural boy. I grew up helping my parents with household chores such as cooking, fetching water, fetching firewood, gardening and subsistence farming. I attended Mutoko Primary School from 1982 to 1988 where I emerged the best student at Grade 7. All credit goes to my mother, Irene Mutoko and my late father, Mark T. Mutoko who always emphasized the importance of education even though they themselves only had a primary school education. While other parents would cause their children to miss school so that they do farming and other household chores, my parents never wanted me to miss school for any reason.

My father consistently demanded more and more excellence from me and the whole family. Honestly it was heavy on me and the rest of my siblings, but that set a foundation for all of us to desire and seek excellence in everything that we do – a habit that is in me to this day. Whatever I do, I go an extra mile.

As mentioned earlier, in 1989 I joined Dewedzo Secondary School which is approximately 8 km away from home. I was a day scholar (no boarding), which meant that I had to walk a total of about 16 km per day to and fro school. To make matters worse my village, Mutoko, is on top of a plateau with a cool climate and it rains a lot. Life was really tough. Waking up time was a hustle. If I wanted to reach school in time, I had to wake up as early as 3am or 4am to prepare and finish up homework.

Coming back from school was another hustle. After a whole day of learning and general work (manual work) I was faced with climbing the plateau back home. We had to do manual work because our school did not have grounds men and cleaners. Furthermore, oftentimes, after manual work; we had to do further manual work as punishment for late-coming in the morning. That meant arriving home around 8pm to 9pm from school with home works to be done and household chores; still expecting to rise early the following morning if it was a school day. If the following day was not a school day, I would have to wake up at 1am or 2am to work for the family. Depending on the season, we either went to the fields that early or we went to repair the garden or something. Also because we ran a lot going down the rocks and stones, it meant that shoes were always getting torn faster. So I learnt to go to school without shoes in some cases. It was never easy.

I remember, during 1992 when I was doing O-Level, my mid-year examination results were 7 ‘As’ and 1 ‘U’. The ‘U’ was for Mathematics. My father was so angry with me. So in August of 1992 when schools were closed for holiday I found a tutor to help me. Thanks to the Mathematics tutor, when I sat for Mathematics 3 months later I turned my ‘U’ into a ‘C’. Amazing how hunger for knowledge and success can propel one to do things they never thought they could do. This gave me confidence to go ahead and do Accounting at A-Level which is a number’s game; yet I had always feared numbers.

My parents were tough such that other children felt pity for us. But it helped us because among my siblings and me, no one ever took cigarettes, beer or drugs. Where would you do that? Even the day my dad gave me examination fees (1992) – he woke everybody up that night, including my young brother who by then was 4 years old. My dad told me in front of the whole family, “You have to pass your O-Levels. I have toiled to get this money with my humble job. I actually had to borrow money to augment my meagre wages to pay for your examination fees…..” The message was loud and clear. As you would anticipate, even though I was faced with many challenges, I was one of the best students at O-Level at Dewedzo Secondary School in 1992. I was tie with two other class mates. I had to pass; no choice. Whatever you set your mind to do, you can do it.

While I was doing O-Level my dad made it clear that he would not be able to take me to A-Level and further because his limited income could only pay for fees for my siblings. Then a certain prominent man came to Dewedzo Secondary School and promised to sponsor the best 3 or 5 students to A-Level. Automatically I qualified as I was one of the best. But did he sponsor me and the others? Oh! Untold suffering! I got a place for A-Level first year at Nyatsime College in Chitungwiza, Zimbabwe. The prominent man who promised to fund my education never funded my fees. I was chased from school several times. By end of 1993 I left for another town where my father yet again sacrificed to pay for my fees but part time at an evening school. I passed my A-Levels averagely because I had fallen ill and stopped going to school for over 6 months. That was 1994.

(IMFP) After so much sacrifice did your average ‘A’ level results discourage you? How did you proceed to professional qualifications?

(WM) Of course I was discouraged because I had always desired to study at University of Zimbabwe (UZ). Unfortunately, I could not go to university. I only qualified to go to a secondary school teacher training college. After completion I started studying for Institute of Chartered Secretaries and Administrators. By then I was teaching in a remote school. My colleagues laughed at me as to why I had to continue with school, but I knew that I wanted to be great in life. Between 2002 and 2006 I fought with ICSA studies, failing some modules and re-writing. It was tough, but with stage C of ICSA that was deemed equivalent to a first degree in accounting or business studies. By the end of 2006, I applied for MANCOSA MBA using stage C of ICSA and my business experience.

MANCOSA accepted my application to study MBA and in 2007 I started first year. It was a real sacrifice. My monthly salary by then was about R5 000 per month and my MBA fees were about R2 500 per month. Monthly house rental was about R1 875. Think of other expenses! My wife and I had to augment income with small businesses to survive. In April 2010, I graduated with MBA. I did not stop there, but kept studying until I got to PhD in Business Management in 2015. It was a long journey, but worth it. When I increased education from ICSA to MBA, my income became seven-fold. Guess how my income increases with PhD.

Apart from formal schooling, I also do personal study in my balanced personal library. Personal development is one of the best education programs you can ever engage in. I try to read a minimum of four books per month to develop myself in health, spiritual life, mind, business, career and finances.

(IMFP) One may want to know how you acquired the nick name ‘The Financial Doctor’

(WM) Well I have always been passionate about empowering people with financial knowledge. This is because many people, no matter how educated they can be; they lack financial literacy which results in misuse of money. But my nick name came in 2010 when I was practising as an Independent Financial Adviser.  My clients, radio fans and TV fans felt that although I did motivation and leadership speeches; my main area of exploits was financial planning. So they gave me the nickname ‘The Financial Doctor.’ When I published my first book – 15 Secrets for Personal Financial Success in 2012; the book made so much impact in and around Botswana as well as South Africa and other countries until the book became a best seller since May 2015.•	15 Secrets for Personal Financial Success – A Simple Step-by-Step Plan for Financial Freedom

The book has cemented my nickname. When organisations think of inviting a financial speaker, they think of me first. When Botswana radio stations want someone to give financial advice to the nation, they usually want to invite me. Now the trend has spread to South Africa and I hope to the rest of Africa. Although it can be overwhelming sometimes to be invited everywhere to speak on finance; these days it is better because my wife Coach Princess is also a financial expert. So wherever I cannot go; I send her and she has been doing a phenomenal job – speaking to major organizations and speaking on radio. So the nick name came due to my passion to write and speak so I transform people’s thinking about money.

(IMFP) Financial Doctor, did you have any life-changing experiences that put you on the path that led you to, what you’re doing today?

(WM) My turning point was the day I got born again and healed of a bunch of life threatening illnesses. I have become so positive about life, and almost everything I do is influenced by my understanding and appreciation of the love of Christ. I love my audience. I love my readers. I love my clients. I love my family. I love people. That is why I am into talent development and grooming of leaders. I believe that we can leave Africa better than we found it.

(This interview will continue in Part Two)

If you enjoyed this article, share it with your most favourite friends! 

Please share your thoughts, ideas and comments below!

© Copyright 2016 by It’s My Footprint, www.itsmyfootprint.com/blog.


Posted in Career, Entrepreneurship, Family, Leadership, Marriage and Relationships, Personal Development, Personal Finance Tagged with: , , , ,

The Blessing Scriptures Book Release

2015 12 23 front cover

We are back from the break. I hope your first month of the year was also great.

I am so excited. During the break I released an amazing new book called The Blessing Scriptures, a book that will help you read the Bible effectively.

Do you struggle with where to start from when trying to read the Bible? Do you have to fight to maintain a constant devotional life? This book will make it easy because as you read it you will be reading verses that benefits you immediately. The collection of scriptures in this book relates to your personal life. Meditate daily on these scriptures that speak to you directly in The Blessing Scriptures, and experience the difference.

Are you looking for a collection of scriptures that will fire up your life like a rocket? You need a very positive mind to realise that big dream of yours. Few encouraging scriptures a day from The Blessing Scriptures will help you maintain a positive mind throughout the day. They will energise you to get out of bed to fulfil your calling with a purpose.

Are you going through a rough time, facing mountain sized challenges? This collection of scriptures will speak to your situation, turning your trails around and give you a new outlook to your future. Speak these scriptures daily as you pray.

The Blessing Scriptures will change your devotional life! Every scripture in the book has a direct meaning to your everyday personal life. Every scripture is specifically intended to encourage and restore hope and faith to face any daring circumstance. This is the book you ought to start and end your day with!

As you read The Blessing Scriptures you will feel faith rising inside you. This is how this book will help you face and conquer your giants.

The Blessing Scriptures” is available on Amazon. Click on the link http://www.amazon.com/gp/product/B019S5XH6Q. You are welcome to leave comments on Amazon.

You don’t want your friends to miss this opportunity, do you! 

Please share about this book on Twitter, Facebook or Google Plus using the easy one-click share links below.

Finally, go ahead and forward this email to your friends.

It’s time to slain the giants! It is time for victory!

The Blessing Scriptures, redefining spirituality!



Posted in From My Life, Personal Development Tagged with: , , , , , , , , , , ,

How To Make 2016 Resolutions That Actually Work

NEW Year Resolutions

‘Failing to plan is planning to fail.’

Linda woke up this week in the morning and stared deeply at the mirror. “Oh my God. Am I really that fat?” she said to her sleepy husband. “Jack, I swear this new year I’m gonna lose this weight! I can feel that 2016 is my year to do this.”

And then she went on to update her Facebook status, bought a copy of a ‘How to Lose Weight Without Effort,’ and goes to the gym three times in January 2016. End of the story!

The same conversation is repeated again end of December 2016. And by the way, poor Jack is fade up with this annual weight lose conversation. As a good husband he has no choice but to support his wife.

Does your new year resolutions end up just like Linda’s?

Each New Year we sent each other best wishes for the year. Many people hope that the New Year will be better than the previous. This year, 2015, in January you also made some New Year resolutions about things you want to stop doing, and things you want to start doing. Some of you even take time to reflect and pray for the New Year. There is absolutely nothing wrong with all this. This is a great attitude.

I always wonder if all this effort produces the desired results on the promises. I wonder if each New Year turns to be a better year. Think about it seriously. Year after year many people do this. Many people religiously make resolutions to do this and that. If these things were really working then each year was going to turn out to be better for each one of them. Isn’t it? Why is it we always come back, I mean 90% of the people, to the same point; ‘a bad year.’ It’s rare to see at the end of the year someone saying ‘What a good year!’

You see, every year is exactly the same, 365 days made of minutes and seconds. If you want to change the year, change what you do. It does not matter whether you have 122 resolutions or if you gold plate them to the wall right at the front door. What you do ‘each minute of the year’ makes the difference, especially the things that depend on your choices. So, do not look up somewhere for a good year, make one! Make 2016 a great year by taking the advice below on ‘How to Make 2016 Resolutions That Actually Work.’

Ladies and gentlemen, make 2016 the best year of your life. You need to make life happen, not life happen to you. First you need to know and believe beyond doubt that you are in charge of your life. The power of life and death, failure and success, to live the lifestyle you want, to have inner fulfilment, to live your dream and conquer, is from within and is within reach. Do not allow other peoples systems to run your life – economic systems, social systems, political systems or financial systems. Do not be a victim. Take over your life and turn these systems to work for you, instead of against you.

Life Does Not Just Happen

Give me six hours to chop down a tree and I will spend the first four sharpening the axe – Abraham Lincoln.

In order to carry out you calling successfully in 2016, you need to manage your life. Life does not just happen. You have to plan your life, organise your life, lead yourself and have monitoring and control measures.

Remember to make balanced resolutions. A good balance includes career or business, family, health, spiritual, finance, networks or friends, fun or holiday, physical, mental, mental or intellectual, training or development, social, and mentors or advisors.

The two most common characters of ‘super-achievers’ are 1) relentless commitment to constant learning and 2) have detailed clear goals, with a plan of action on how to achieve them. No matter how much passion you have, if you do not have a clear plan of action you will end up going in circles. After ten years you will find yourself right where you started, just like Linda.

How to Make 2016 Resolutions That Actually Work

“By failing to prepare, you are preparing to fail.”

Here are some critical steps and points on How to Make 2016 Resolutions That Actually Work:

  1. Have a purpose or vision or aim. Make it quantifiable. Do not just aim to ‘lose weight’ like Linda but aim to ‘lose 10kg by December 2016.’ Be specific!
  2. Assess your current position. Know where you are and the state of your situation.
  3. Develop and list the steps or goals that must be taken to reach the vision.
  4. Setting goals is not about writing a “wish list” in January and stick it on the fridge or wall, and for the rest of the year wait for your life to change. Your plan must be crystal clear. Draw a map of exactly how you are going to get there. Put management and control systems necessary to operationalize your plan, to keep you on track, to measure and monitor performance.
  5. Identify your resource. What resources; finance, networks, friends, skills, mentors or time does it require? Allocate these to each goal. In most cases you have to spend a lot of effort and time developing a skill that will then take you to your final purpose. Go ahead and do it. Remember this is a life purpose, it won’t happen in a day.
  6. Do a cost-benefit analysis. As you put up the plan constantly do a cost benefit analysis. Of course choose a route that gives you maximum benefit with minimum effort. But it’s rare to find such a route. Some benefit or efforts are short term others are long term. Identify the risks, things to watch out for and obstacles along the way. Identifying them is not good enough, put in a plan to deal with them. This is called risk management.
  7. In the same way list the benefits, rewards and advantages that you will harvest along the way. These are important to motivate you in days when things are not good.
  8. Finally, fit in the ‘motivational pressure.’ Something that will make you not turn back on you goal. If you want to lose weight? Sign up for a marathon like the comrades in 7 months in an exciting foreign country, and book the non-refundable flights and accommodation now. If you want to really go on holiday in future, set the date and pay a non-refundable deposit now.

Don’t jump on Facebook to announce your New Year resolution. It gives you a short term ego buzz now (“Look at me! I’m so awesome!”), but does nothing to change your behaviour. If you want to engage friends, be real. Do not make it a show.

Most of all, wishful words alone will get you there. Nearly everyone fails their new year’s resolutions. Just saying words doesn’t make a thing happen. It is the action that accompanies the words.

Ensure that your support systems are in plan; the right associates, the right advisers and the right mentors. Your environment matters! In short, create the right environment that supports the achievement of your New Year resolutions!

‘For which of you, wishing to build a farm building, does not first sit down and calculate the cost [to see] whether he has sufficient means to finish it?’ Luke 14:28

I wish you the most awesome and prosperous new year ever!

If you enjoyed this article, share it with your most favourite friends! 

Please share your thoughts, ideas and comments below!

© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Career, Entrepreneurship, Family, Leadership, Marriage and Relationships, Personal Development, Personal Finance Tagged with: , , , , , , , , , ,

The 2015 Five Day Kindle Book Promotion

The Kindle Edition of my books are on a 5 day ‘Free Book Promotion.’

The promotion runs from Tuesday 22 December to Saturday 26 December 2015. This is the final chance to get the books for free.

  • Get this book ‘Little Tough Tips on Marriage’ free on kindle. Here is the link to the Free Book Promotion is available:

Amazon Kindle Shophttp://www.amazon.com/dp/B00RYS5Y52

Little Tough Tips on Marriage’

  • Get ‘The Discipleship Series’ free on kindle. Here is the link to the Free Book Promotion is available:

Amazon Kindle Shophttp://www.amazon.com/dp/B00AAXNHKC

The Discipleship Series

Please do not forget to share this link with your friends, and to leave a book review on Amazon.

Have a great day.

Posted in Marriage and Relationships, Personal Development Tagged with: , , ,

Change Your Life by Changing Your Mind


The mind is so powerful. It is your engine directing your life. Hence your life is controlled by your mind. If you change your mind you change your life.

You are the result of your mind habits and your future is shaped by the way you will continue to think.

Here are some few negative habits that you should consider changing if you want to realise your dream.

Feeling the world owes you something

Why should the world owe you anything? Your country owes you nothing! Get over it. Common sense should tell you that you have to work for everything and that’s what you should expect. Looking for opportunities based on their own merits sounds insane. It’s a poverty mentality.

Feeling sorry for yourself

Bad things happen. A normal person regrets and feel sorry for it. However the longer you stay feeling sorry for yourself the more destructive it is. Get over it and move on.

Avoiding change

‘Many people want to progress in life but they do not want to change.’ Progress and success are accompanied by change. If you do not change you remain the same and in the same place.

Change is inevitable. Embrace it. Adapt and move forward.

Repeating mistakes

Doing the same thing and expect different results. ‘The definition of insanity is doing something over and over again and expecting a different result- Einstein. Accept responsibility. Learn from past mistakes and do not repeat them. The truly resilient take this truth to heart.

Envy and Resentment

Envy, jealousy and resentment suck your energy. They do not contribute anything positive. Do not compare yourself to anyone. Each person is unique and produces unique results. If you feel cheated or let down learn to forgive and move on.

Trying to please everyone

It feels good to make someone happy. In addition they praise you. If you are insecure it becomes addictive. You are constantly trying to make everyone happy to get a quick good feeling. By the end of the day you find that you are trying to please everyone except you. Be kind but learn to say no. You cannot be liked by everyone.

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© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Leadership, Personal Development Tagged with: , , , , , ,

Worst Financial Mistakes that people make in their 20s


  1. They think education and talent are enough to become super successful. And ‘I will never touch a book again as long as I live.’ They only find themselves outdated with time.
  2. They neglect their health. With a youthful body there are fewer health problems, hence many cut down on health maintenance. They are reminded when they have run into trouble but by that time it will be very difficult to recover.
  3. They don’t start saving money. They think, ‘I still have time. I will save when I earn enough money.’ But the truth is there will never be enough money. And the best time to save is now!
  4. They equate happiness with money. Because they had limited access to money as children, they will assume that money is the key to all happiness.
  5. They give up when things get tough. They think there is ‘always’ another road that is easier. The reality is in most cases there is not alternative and you have to breakthrough.
  6. They let others define them. They do not take time to discover themselves, hence the environment dictate who they are and who they eventually become.
  7. They are impatient. They want all, and they want it now!
  8. They try to please everyone. Their rule is ‘you have to be nice to everyone.’ Seriously, you cannot please everyone. It’s practically impossible. You will always find some who oppose you or with different taste.
  9. They think all friendships can last forever. Friendships are seasonal. Some seasons are longer than others. As a result they get stuck with outdated friendships that do not fit their current goals and direction, thereby creating a negative force that weighs them down.
  10. They think moving somewhere new will solve their problems.
  11. They create bubbles around themselves.
  12. They see things in black and white. They do not realise that there is also the grey areas. Actually there is a rainbow of colours.
  13. They look for their ‘soul mate.’ A soul mate is a myth and a teen fantasy.
  14. They try planning years in advance.
  15. They think they’re the only one of their friends struggling.
  16. Instead of building a solid personal economic track record, they easily fall into and fight causes they have little idea of. This can be in religious, political and social activism. They only to discover when it’s too late that they have lost time, building other people’s wealth.
  17. ‘Your first salary determines life time wealth.’ This is not true. The size of your salary is one of the many things that are involved in your wealth growth. Wealth growth is to do with accumulation. Accumulation is the difference between income and expense.

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© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Career, Personal Finance Tagged with: , , , , ,

Which Doors Are You Facing

open door

A door has many purposes. It allows and restricts access to different spaces. They protect the inside from outside interference. And at times we use them to lock bad things away. So when a door presents itself you need to understand it in order to make good use of it. Otherwise it is better to just ignore certain doors. Here are few thoughts on doors of opportunities that may come your way.

Orientation Of Opening

Knowing which direction a door opens makes a big difference and saves you time and embarrassment. Some doors open backwards and others forward. Some doors slide sideways and others go upwards. Are you opening your door the right way? Did you take time to study the orientation of the opening?

Transparent And Visible Doors

Have you even bumped into a closed glass door? One minute you think there is nothing and you discover that it’s actually a door. Many people miss it, but because you have bumped into in, you now know it exists. When you suspect that there is an invisible door, you approach it slowly and carefully with your eyes wide open ready to identify it.

Thick Door And Thin Doors

Some doors give access to valuables items. They are very thick and heavy, requiring complex mechanical and electronic combinations to open. Even if you try to force it, it will not open, but if you have the secret combination it’s very easy. If you are facing such a door better sit down, either get the combination or seek the help of experts. On the other hand some doors are thin and not strong. You can kick it open in your sleep. In these you are unlikely to find something of value inside.

Automatic Doors And Manual Doors

These are activated by your presence. They automatically open as you approach. Your effort is not required to open or close them. These rare opportunities are delivered right into your hands. But remember they are rare. Some doors have electronic mechanisms that insure controlled access. Think about the gates for entering the stadium. They allow a single person at a time. These doors are not for crowds and operate in controlled environments.

Doors Opened By Someone 

You do not have to open Some doors. They are opened by someone already inside. If you are not known by someone inside, they will not open for you. In this case you have to be connected, knock on the door and it will open. Build relationships with those inside before you think of knocking.

Doorless Ways

These are basically passages with not restrictions for going in and going out. You will find every tom and dick wondering up and down. And wait a minute, what about boomed gates which restrict vehicles but allow pedestrians. Some opportunities will not open for you. They are for other people. Do not waste time on these doors, get the right vehicle first.

There Are Double Doors, Triple Doors

There are doors so wide that even a bulldozer can fit. You can never miss this door. These are the doors many people are looking for. However, the wider the door the more crowded the opportunity. There are also narrow doors, doors so narrow that you have to squash yourself in order to fit. You will wonder whether that was meant to be a door or not. Narrow doors are easy to miss and they are always full of surprises.

The Sound Of The Door

Most doors make sounds when they open and close depending on many factors, whether positive or negative. Now, the sound of a door tells you something about the door and where it leads. A garage door sliding upwards sounds different from a glass sliding door. Listen to what your door is saying.

Doors Are Made Of Different Materials

There are wooden doors, steel doors, aluminium doors, glass doors etc. There are good reasons for each choice of shape and material. It has to do with economics, safety, durability, overall building or surrounding, user friendliness etc. The type of materials used says a lot about the purpose of the door and what is inside. Look at the room you are in right now.

Spiritual Doors

This one is on another level. There are spiritual doors. Once activated by your obedience they can result in abundance and blessing. Disobedience can lead you to curses and the spiritual underworld that can shut down your life just like that. Which spiritual doors are you opening by your obedience or disobedience?

Finally Not All Doors Open To Opportunities

As you have already noticed, some doors leads to misfortunes, tragedy and calamity that you are not prepared for. You will suffer huge lose if you enter. On the other hand some doors lead to nowhere. It’s just a door that leads to a brick wall. It’s not worth the effort.

Now, what door are you facing?

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Please share your thoughts, ideas and comments below!

© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Career, Entrepreneurship, Leadership, Marriage and Relationships, Personal Finance Tagged with: , , , , , ,

What Are The Most Common Mistakes First-Time Entrepreneurs Make?

Entrepreneurs Mastakes

“Insanity is doing the same thing over and over again but expecting different results.” 

Is your business battling to stay about the water? Are you planning to start your very own business? Did your business take some hard knocks that brought it down? Here is the summary of the most common mistakes that entrepreneurs submitted on Quora by over 3,900 followers. By learning from them you can avoid disasters and put your business back on track. Enjoy the fruits of your labour.

Start Your Business When You Are Broke

The number one rule is ‘Don’t start a company if you’re broke.’ This is different from having no money. If your daily basic needs are covered and you have no money, you are not broke. You have food and shelter. But if you have kids and a wife and bills to be paid, and you have no money, then you are broke. This is the worst time to start a business. 

Stupid Ideas

We all have blind spots. That’s why your ideas are great ideas. It’s hard to admit that they won’t work unless you involve a third party. The best proof of a great business idea is profits. That’s the best way you can tell you have a good idea. And do not confuse revenues and profits. You can receive huge revenues and still make a loss. 

Over-Promise And Under-Deliver

Because you want to enter the market, there is a tendency to promise heaven to the prospective customers. However after the first experience check if your clients come back for more or refer others to you. In simple terms do not give crap service. 

Don’t Communicate With Clients

Follow up on your client and check on them. As soon as you meet a potential customer, have an entire system in place to follow up. As soon as you deliver a proposal, follow up, as soon as you deliver a product, follow up. Even when you are in the middle of completing a project, follow up.

You call and just say, “I always want to make sure I’m doing my best for you. Is all ok?” And then listen. And then say good-bye so you don’t waste their time. Do that and you have a client for life. 

Hiring People (Especially Family Members)

Most start-ups don’t need to hire that many people. It exciting to have a crowd around you, but if that crowd is sucking money out your business in return for nothing, then think again. Once you hire someone make them earn their money. Beware of hiring fiends or relative who you won’t be able to fire easily, otherwise you will be running a charity organisation. If you find yourself with low or no sales and you have people playing solitaire in the office, then think again. 

Clear Roles

The more clear the roles and instructions, the more productive the team. Clear roles and responsibilities get rid of office politics and strife. Avoid ambiguous positions. Make it simple. Make the structure simple. Do not hope that people will ‘figure it out.’ 

Don’t Test

If you have a product idea, and you love it, and all your friends tell you it is great, don’t forget to test it. It is the market that has the final say not your friends. And remember your friend and families always lie to you so as not to discourage you. If nobody likes your idea, then you have a bad idea. If a lot of people like it, then it’s a great idea. Good entrepreneurs are risk-adverse. Before you risk, test. Before you leave your job, have customers. Before you hire people, have money in the bank. Before you even create you product, test it. Smart people test. Smart people don’t take stupid risks.

Get Real Advice

They said that ‘the best friend is the one who has the courage to tell you that your baby is ugly.’ If you are not brutally honest with yourself, you can’t make informed decisions that will truly improve your business. You will hide behind excuses and spin stories to yourself explaining away why you have to keep doing the rest of the things on the list. You need a healthy dose of scepticism (not the same as self-doubt or lack of self-belief) to make real forward progress.

Stop Counting Your Eggs Before They Hatch.

If an investor has expressed interest in investing but has not called back in a few weeks that is not money in the bank. A potential customer who says he may pay if your product did such-and-such is not money in the bank. Do not over-value potential.

Stop Trying To Get Around Paying Service Providers

If you owe someone, simply pay on time. If you don’t they will come after you and suck your time and energy. You cannot afford to build a business and at the same time be an expert in ducking creditors.

Stop Pretending To Be Superman

Do not mix up confidence and arrogance. A leader doesn’t need to be perfect. Don’t pretend that everything is always fine and that you never make mistakes. You might think it makes you look strong and brave, or makes people look up to you. You don’t have to flaunt your failures, but hiding them is unnecessary too. Just talk about them honestly and ask people how they think you could improve.

Stop Being So Secretive About Your Idea

You may be scared someone will steal your idea. Don’t. Such a beginner mistake, not even an amateur mistake, it is just a total rookie mistake! You will never find product-market fit by keeping your idea secret until it is perfect. You need to talk about your idea to a lot of people. Because honestly, your idea probably sucks just as much as you are secretly afraid it might. One of the reasons many founders are so secretive about their ideas is because they don’t want to be told it is a stupid idea. This is just denial. Don’t be in denial. Anyhow, the people you are so afraid will steal your idea are too busy working on their own big ideas to steal yours.

Stop Falling In Love With Your Idea Before Product-Market Fit

The more confident an early stage start up founder is, the more concerned I am for them. Of course they can’t just go around telling people they are scared to death all the time. But when you are an early stage founder and really in love with what you built, you will never seek the changes necessary to really make your product great.

Stop Using Your Lack Of Funding As An Excuse

There are many things you can do without funds. Many founders cover up their laziness and weakness using ‘lack of funds.’ You do not need funds to be smart. You do not need funds to be outstanding. You need to be creative. Richard Branson built a billion dollar business without venture capital. You are making up excuses, go find solutions.

Fired Too Slow

If someone promised in the interview to deliver the finished product in three months and you find the system still not running 12 months later, it means it’s you who has a leadership problem.  You have lost time, the work has not been done, your client is not happy and you are losing your reputation by creating your business identity as a ‘crap company.’ Get rid of time wasters as soon as possible. Besides digging a financial hole for you, they also spoil your good employees. In a big company, having a team of 30 with some folks not holding their own is fine, perhaps.  In a young, fast growing tech company, it’s unacceptable. Each individual’s effort is critical.

Took Rejection Too Personally

If you do not make it first time, ‘try, try, try again.’ If you lose a customers keep moving do not focus on the loss. Find out how to do better next time. Remember opportunities always come.

Get An Office Too Soon

Do you really need that fancy office? Is it to have a good company image or to make yourself feel good? Working from home save you rental costs.

Wasted Time “Networking”

Do not waste time with everyone who asks to have coffee with you in the name of ‘networking.’ Honestly in many cases the time you spend is not worth the conversation that goes on. Before a meeting with these potential clients/partners ask for an agenda and clear objectives for the meeting so that it is clear there is a reason to meet. Some people may not like you for that, but remember your charge out rate per hour that you have saved. Conversations with people who have a clear reason to meet are more mutually productive.

If you enjoyed this article, share it with your most favourite friends! 

Please share your thoughts, ideas and comments below!

© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.

Posted in Entrepreneurship, Leadership Tagged with: , , , , , , , ,

What Would We Talk About If You And I Could Get Together For Coffee?

Coffee Time

Lately people have been asking questions about what I do at It’s My Footprint. So I thought of putting together this one to answer some of the questions.

Why I write

I enjoy writing. I like putting across a meaningful message to an audience. To me writing is like breathing. And once in a while I publish a book.

What Inspires Me 

I am inspired by people, specifically the lives of people around me. Each time we chat or you send me a message or email, I get a new amazing revelation. Sometimes at a party someone can say one statement that triggers a chain of thoughts.

My Writing Habits 

From the above you can tell that I write in bits and pieces. Some articles can take a year to be completed. I try to write only when I have feel like it. On average I write 30 minutes a day. I listen mostly to Bethel music when I write or similar good music.

Once an article is ready I send it to Tichaona, the assistant editor who fine tunes it. He is an amazing guy. He is the man behind the scenes.

Where I Write 

I have two main writing stations both with great outdoor views; the study or the dining room. Surprisingly I welcome frequent breaks when I write.

What Do I Write About 

When I write I try to write the heart of God. I discovered that God does not speak in verses. He is simple and personal.

When I started writing years ago some people thought I write motivational stuff. Yes, what I write is a bit motivation, but it is inspired wisdom. The idea is not to motivate but to bring change. That’s why at times I write hard stuff which is difficult to swallow. End the end of the day it’s sustainable results and permanent transformation that counts.

Things I Do That Inspires Me 

My wife and three kids really inspire me. Each one seems to communicate a message. I take frequent walks in the garden or take a swim with the kids. At times I run to exercise and get my blood flowing. This seems to reorient my heart such that I write without bias. Finally our church is amazing. The whole church campus and the people seem to speak a message. This is the message I capture and put it on paper.

What Am I Working On

As of today I have 141 articles already lined up. They just need to be completed. I have three books with full content but still need to be polished. One of them is ready for publishing. I have three other book topics without content, and I need to put together the meat. What I am short of is the time to work on and complete these projects.

What would we talk about if you and I could get together for coffee? 

I get many requests from people wanting to chat with me, perhaps an hour or more. Some will be having tough times in relationships, careers or finances. Some would be having business ideas, or want advice on real estate. Some also just want to seek life direction and clarity. At the end of the first meeting most people usually say, ‘You are so genuine. And you even look the same as in your profile pictures!’ Yes, that’s me. I enjoy simplicity.

What would we talk about if you and I could get together for coffee? Send me an email at admin@itsmyfootprint.com and I will reply personally. Ask me any question.

Have a great day.

If you enjoyed this article, share it with your most favourite friends! 

Please share your thoughts, ideas and comments below!

© Copyright 2015 by It’s My Footprint, www.itsmyfootprint.com.


Posted in Career, Entrepreneurship, Family, From My Life, Leadership, Marriage and Relationships, Personal Development, Personal Finance Tagged with: , , , , , , ,

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