1. LET’S TALK CENTS

2. Centonomy Offers:
Personal Financial Management & Wealth Creation Course
Cents meaning Money and Autonomy meaning Independence

3. @centonomy Facebook.com/centonomy WWW.CENTONOMY.COM
Tel: /

4. DEBUNKING MYTHS I’M DOING WELL (SALARY/BIG CAR, NICE HOUSE, TITLE)
I’LL ASK FOR SALARY ADVANCE- JUST THIS ONCE
I CAN AFFORD THE REPAYMENT
MY HOME IS MY BIGGEST ASSET
I WILL SAVE WHEN I EARN MORE

5. @centonomy DEBUNKING MYTHS MY PENSION FUND WILL FUND MY RETIREMENT
I CAN DELEGATE CREATION OF WEALTH
I WILL INHERIT
I DON’T HAVE MONEY TO INVEST
INVESTMENTS ARE COMPLICATED
SAVING/INVESTING MEANS NOT ENJOYING LIFE
A DEAL WILL COME BY
@centonomy

6. IMAGE VS WEALTH CREATION
Spends more as you earn more
Spend and save a little
Instinct is to work and consume
Working for a lifestyle
Have to work to eat
Lifestyle starts off extravagant and reduces
Careless about time
Spending driven by OPO
Invest more as you earn more
Multiplication and saving most
Instinct is to increase
Working to create assets
Assets will fund lifestyle
Lifestyle starts off modest and grows
Understands value of time
Spending driven by personal values and choices

7. IS YOUR IMAGE A RESOURCE OR A PRISON?

8. @centonomy FOOD FOR THOUGHT
“You can’t solve a problem with the same mind that created it” – Albert Einstein
@centonomy

9. Assets or Debt; Income or Expenses
1. ASSESS WHERE YOU ARE
CAN YOU AFFORD YOUR LIFE?
Assets or Debt; Income or Expenses

10. How much of what you work so hard for is actually yours?
January
February
March
April
May
June
July
August
September
October
November
December
@centonomy
Facebook.com/centonomy

11. OUR EXPENSES

12. YOUR BALANCE SHEET
ASSETS VS
FLOSSETS

13. DEBT
GOOD DEBT VS
BAD DEBT

14. Facebook.com/centonomy
Why are Financial Goals Important?
IT’S ABOUT LIVING INTENTIONALLY
A goal without a number is just a SLOGAN!
Facebook.com/centonomy

15. What will be important to you at her age
What will be important to you at her age? What will you want to have done with your life at her age?

16. HOW DO I KNOW WHAT TO SAVE?

17. VISION

18. How much will my life cost in the future?
Reality of Inflation
How much will my life cost in the future?

19. Currently
Income
Savings
Expenditures - =
Assets
Liabilities

20. WHERE YOU HAVE TO BE
Income
Expenditures =
Assets
Liabilities

21. = TIME VALUE : Ksh 1,200,000 Ksh 120,000 per year Coffee
Albert Einstein Said “ Compound Interest is the greatest Mathematical Discovery of all time”
Ksh 1,200,000 :
Ksh 200
…each day invested
at 10% over 10 years…
happy retirement
Ksh 120,000
per year
Coffee =

22. THE WEALTH CREATOR TAKES RISKS

23. THE WEALTH CREATOR IS COMFORTABLE IN UNCERTAINITY
Certainty and safety cost money

24. RISK RETURN TRADE OFF RISK Equities Property Fixed Income Cash RETURN
HIGH
RISK
Equities
Property
Fixed
Income
Cash
LOW
RETURN
HIGH

29. @centonomy Facebook.com/centonomy WWW.CENTONOMY.COM
Tel: /