Desmond
@DesmondBredu
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| God, Family, Investment & Personal Finance, Financial Literacy Advocate | Head, Client Coverage @stanbicims ; Founder: @DBreduConsult
Accra, Ghana
Joined March 2012
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Pinned Tweet
One year on...OVERALL BEST AFFILIATE! Thanks be to God! 🙏🏽
Dear God, I’m grateful !!! 🙏🏽
3 ACCA Awards (P7, F8 & P1)
First in Ghana for all three.
I placed 2nd, 10th and 15th globally out of on average 12k plus candidates.
#Seventy7
😀
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Dear God, I’m grateful !!! 🙏🏽
3 ACCA Awards (P7, F8 & P1)
First in Ghana for all three.
I placed 2nd, 10th and 15th globally out of on average 12k plus candidates.
#Seventy7
😀
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NSS ends this week! I pray for open doors for these personnel. All the very best in the next chapters of your careers. 🙏🏽
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GOOOOOOAAAAALLLLL NIGERIA 🇳🇬
Scorer: Nasty Black
Assist: Sabinus
🤣🤣🤣🤣🤣🤣🤣🤣
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Eiisssh you people drink bottled water at home. Accra ankasa e b sixteen.
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DON’T GO BORROWING TO FUND THAT EXTRAVAGANT WEDDING…
Do what you can afford oooooooooo!!! People will come eat, take pictures, dance and forget about it in 3 working days…
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Please don’t follow my account if you follow Bongo Ideas. Respectfully.
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TAKING A MORTGAGE IN GHANA!
This thread will focus on a general overview of mortgages (with specific examples relating to Ghana), tips when considering one and why you should take a mortgage if you can afford it.
Kindly RT and follow for more tips! 👊🏽
#Thread
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The highlight for me today was my mum paying attention to my smart money talk on TV3! I love this for her!
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Someone legit sent me GHS 1k yesterday to bless me for the work i do with the financial literacy campaigns…
I’m still shook…
God bless you charlie🙏🏽
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LinkedIn Profile updated.
Thank God for new opportunities and for growth. 🙏
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This is such a weird take Ekow.
They're doing their bit to support their team. They are not the contestants.
I don't know about you, but I have been in situations where I have studied hard & STILL asked family to support me through prayer.
The problems of Africa are all summarized in this video. Prayer over works.
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About yesterday, I was awarded STANLIB Employee of the Year 2019. Glory to God!
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FINANCIAL LITERACY
A thread of all the financial literacy tips i have shared for easy reference.
Do check it out.
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Hi Kojo.Can we host a virtual townhall meeting on Twitter spaces with same guests. I’d love to host the team.
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I’m so excited to finally have the equipments to start my financial literacy podcast plus a new camera as well!
Cheers to more content 🤝🕺🏾
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And the lyrics... lmao. He said “I will buy mama a crib” and he was pointing at the jubilee house building... 3nti Jubilee House y3 crib ma wo Meek Mill? 😂😂
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Love this.
Summary:
1. Every money has both seed & bread.
2. The bread is for today & seed for tomorrow
3. Be fair on yourself with the bread for today.
4. Be disciplined with the seed for tomorrow.
5. Every seed is small.
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Managing your personal finances also includes “enjoying life”; taking care of yourself; doing things you love.
Buy that book, go on the trip, buy that gadget, get that frontal , hangout with friends. Spend on memories.
🥳
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Me: Hello, How much is pizza large & 1L coke
Attendant : GHS 239 & Coke is GHS 22
Me: And delivery to Oyarifa
Attendant: 50ghs
Me: PAUSE BRIEFLY, okay I will call you back
Me to myself : Charlie Pizza isn't a healthy choice
🤣🤣🤣🤣🤣
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+1 today! If you see this on your TL, kindly say a prayer for me! 🙏🏽
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GHC4.8k monthly allowance, quarterly paid vacations, comprehensive health insurance (including dental), apartment, official vehicle, 2 domestic staff and interest-free loans (up to GHC750k)
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We have received a generous capital support of GHS 20K from
@theakyemmafia
to provide funding for two businesses. The funds will be split as follows: GHS10k for a startup and GHS 10k for an existing business.
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Like this tweet, if you DON’T have an investment account but you would want to start investing. I will DM you & someone will reach out to you. You need at least 50GHS to start and you can top up anytime, anyday with at least 20GHS.
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I wish you financial success in 2022. Better money management! More money! Great health to spend the money!
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During weekdays in Accra, there's a 30 mins+ difference between leaving home for work at 5:30am and leaving at 5:35am.
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End of year savings Challenge (6 months)
Target 🎯 => Monthly Contribution
500ghs = 83.33ghs
1000ghs = 166.67ghs
2000ghs = 333.33ghs
3000ghs = 500ghs
4000ghs = 666.67ghs
5000ghs = 833.33ghs
You set your own Target and we help you meet it!
Who’s in???
#6MonthsChallenge
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We did it guys! Thank you very much💯
Pulse Influencer Awards WINNER!
Congratulations
@parlenzy77
for winning Business Influencer of the Year.
#PulseInfluencerAwards
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My first Chelsea game at Stamford Bridge. Chelsea vs Palace ...London Derby...Come on Chelsea 💙💙💙💙
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I’m not sure the people in relationships have actually asked their partners what they bring to the table.. 🤣🤣🤣 because why would you enter a relationship if you don’t know your partner’s worth???
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The main part of the video is that the real value of people's income has diminished, whether they're “lower, middle or upper class” doesn't change the fact. But you will find people who will still miss the point.
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This is a very important subject!
Kindly take time to read especially young graduates!
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6k followers! Love you all right back. I have 60 ghs to dash😂! Like this if you want it😂. Winner will be at random.
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Currently, people looking for short term investments can consider treasury bills. Rates are good. From what I have seen, with GHS >1K you can buy from most banks.
Alternatively, people with GHS 20-50 & above looking to invest can consider the unit trust & mutual funds... 1/n
The average Ghanaian would love to save but not invest. What are the investment opportunities for the average Ghanaian? Are there any at all?
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This morning, I spoke at Glory Christian Fellowship International on Creating Alternative sources of income through smart investments. God is good🙏🏽😃
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Super super good news! I have been able to download the audio from my spaces conversations on
1. SSNIT, Pensions and Retirement
(2 episodes)
2. Navigating Adulting in Accra
3. Dealing with Black tax.
I will put them on my YouTube channel for those who missed the conversation.
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Money may not be the most important thing, but it definitely affects the important things in your life… Wishing you all pleeeeennnty, excessss, abuuuuuundant miracle money this week! 💯
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GHS 27.5 if you use MTN.
You really expect me to pay 17.5 GHS for every 1000 GHS I send electronically. You must be mad.
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You people no dey taya? Every single year, same picture, same question! Hoh!
She refused to wear makeup on her wedding day. Can you also do this?
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NSS starting tomorrow!
My little financial advice:
“Don’t listen to people who tell you to spend all your allowance because it’s small. Start building the savings/investment attitude. Even if it’s GHS 20 or GHS 30 you can invest every month do it! It would go a long way!
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If you’re interested in getting a mortgage in Ghana, do have a look at your possible monthly repayments and total interest payments using a 15 year period.
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My friends and i (all qualified) want to start an ACCA and ICA class to help students at ridiculously low fees(to cover our costs). Kindly RT/DM so we have an idea of the number of people interested and how we can support them. Thanks
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Happy birthday to me! My greater is coming! ❤️ Say a prayer for me! 🤗
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We’re hosting a space next Tuesday at 8pm with
@peagama
&
@readJerome
to talk about investing in the shares and the Ghana stock exchange market. Further Details will be shared soon. 🤝
The Ghana Stock Exchange is on a bull run currently. Sadly, the participation on GSE stands 68% for foreigners, 32% of locals.
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We have received generous capital support of GHS30K from
@theakyemmafia
to provide GHS10K funding for 3 businesses.
This brings his total support to GHS 100K for 2022 alone!
We will announce further details soon! Get your pitch deck ready!
@s8kyi
@Jasielinvests
Please RT🙏🏽
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I just finished taking a client through her small business finances. On the face of it, she thought she was making GHS 20 profit on each item. After our conversations, she realized her real profit was GHS 4.37.
I’m sure many small businesses are in similar situations.
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I will be on
@tv3_ghana
#NewDay
tomorrow at 8am to talk about “Smart Money Moves to Make in 2022”. Join the conversation! 🙏🏽
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I did this budget for a hypothetical person earning 4k monthly based on the (50:30:20 principle). You can adjust it to suit your needs and income levels.
On a more serious note though, regardless of how much you earn:
1. Put some aside for the future (save/invest).
2. Rem’ber to do
#1
BEFORE you spend.
3. Draw a realistic budget & stick to it.
4. Live within your means (appreciate you have unlimited wants & yet scarce resources)
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Yesterday, I chanced on an article that had my name in it; and i was pleasantly surprised. God is good.
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Once you work in certain environments or institutions, everyone automatically thinks you’re well to do or you make a lot of money.
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I always say this: START INVESTING FOR THE FUTURE:
How?
Open multiple Fixed Income Unit Trust:
Name it accordingly:
Fixed Income 1- Marriage Account
Fixed Income 2- Children Fees
Fixed Income 3- Health & Emergency
etc..
Even if it’s 20ghs or 50ghs starting investing it!
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I’m here to remind you that:
1. Make (MORE) money
2. Manage your finances
3. Treasure every pesewa you make
4. Let your money work for you!
5. Control your debt
6. Plan for your retirement
#TipsToHelpYouSucceed
#personalfinance
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Highest score in Ghana 🇬🇭 and 2nd Globally 🌎 for ACCA Advanced Audit & Assurance paper, March 2018.😃
what’s your biggest flex outside of twitter? (academics, art, athletics, celebrity notices, etc.) don’t be afraid to brag ;)
— (rts appreciated, i wanna see some cool stuff)
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Dealing with Rent payments🇬🇭:
Many of us are usually worried (& why not, rent prices are ridiculous especially in Accra) when our rent is almost due and we have to make a lump sum payment usually for the next year… Here’s some tips to help you navigate this..
#thread
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Pogba vs Villareal: Highlights; FULL HD; Generational Talent!
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People earn waaaaaay less in this country and still pay taxes. You don't want your income not to be taxed because “it's just $500!” ( GHS 7k+ ) How many people earn half of that…???
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On a more serious note though, regardless of how much you earn:
1. Put some aside for the future (save/invest).
2. Rem’ber to do
#1
BEFORE you spend.
3. Draw a realistic budget & stick to it.
4. Live within your means (appreciate you have unlimited wants & yet scarce resources)
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If you work HARD for your money, you’d realize 1,000ghs is a LOOOTTT of money!
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Reduced betting in 2021!
More savings & investments!
Can i get an Amen?👀😃
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In this 2021:
I will organize a maiden Financial Literacy Seminar.
Speaking into Existence!
So help me God🙏🏽
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I think one of the major reasons is black tax. Once people, especially family, get to know your salary, they inadvertently change their expectations of you.
With regards to friends and others usually it creates unnecessary competition/envy/ pressure from either side.
Why is it so hard for people to talk about their salaries?
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So the essence of my praise,
is centered on your grace.
Adom, Adom, W’adom.
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Kindly check my new video on YouTube where I explained how UNIT TRUST & Mutual Funds work!
Don’t forget to subscribe to my channel 🙏🏽
Full video here:
Kindly RT!
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“Unless you control your money, making more won’t help. You’ll just have bigger payments.” – Unknown
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A year today, i was admitted into ACCA membership. Thank God for this beautiful journey!
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I don’t know who needs to hear this but:
“Your income should dictate what you should eat and not your appetite!”
#FinancialFreedom
Have a blessed day!
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