Posted by Dr. Wilbert R. Mutoko | December 2, 2019, | All articles, Money| Financial Independence | Finances | Financial Wellness| Poverty | Success | Income & Expenditure |

Many people take the wellness of their bodies and minds seriously, but when it comes to financial wellness, a few people seem to realize that there is need to take heed. Furthermore, it is expedient that all people realize that financial sickness or illness could easily lead to physical sickness, emotional sickness, relationship sickness, and mental sickness.

I would like to advise you to never take financial wellness for granted. All spending should be well-thought-out before it takes place. I am sure you usually think very well before you make money. Thus, you need to take time to think before spending. This helps you to avoid impulse buying.

December 2019 has arrived. Please, never spend money in December as if the festive season is the end of life. Do not be lost in the festive hype? Remember that in January, you will still need school fees, rent, mortgage payments, groceries, etc. Some expenditure needs to be delayed for two or more days to clear your head before the purchase is done. #financialwellness




Dr Wilbert R. Mutoko

Dr. Wilbert R. Mutoko holds a Ph.D. in Business Management (North-West University, SA). He is a speaker, consultant, and scientific researcher in leadership, strategy, financial wellness, and entrepreneurship for the past 16 years. A vibrant international motivational and keynote speaker, Dr. Mutoko lights up many events from corporate to family events. He is currently the Managing Consultant for Chief Cornerstone Holdings (Botswana) (Pty) Ltd T/A Success Training Africa; a company that does Leadership, Entrepreneurship, Strategy, and Financial Wellness Consultancy. This includes business diagnosis, scientific research - market surveys, environmental scans, and re-branding exercise. The company also does strategy reviews, leadership training, and conflict resolutions.Dr. Mutoko is an author of four self-help books (three on personal finance and one on relationships).He has spoken/consulted in Dubai, Kenya, South Africa, Zimbabwe, and Botswana for organizations such as government departments, The British Council, Barclays Bank, Lucara Botswana, National Olympics Committee, Mapleton Group, UNISA, BAMB, Universities, and various churches.A sought-after speaker, Dr. Mutoko is passionate about changing lives in Botswana, SADC, Africa and beyond. Therefore, over the years he has coached many people on relationships, marriage, business, and personal finances. Dr. Mutoko has furthermore addressed the nation of Botswana several times on financial issues and personal development through Yarona FM, Gabs FM, RB2 FM, and Duma FM. He has also impacted Botswana through E-Botswana TV.

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