
Personal Money Management for Beginners
by Ephraim Nyadowa
A friendly, practical guide to budgeting, saving, beating debt and making every Kwacha count.

by Ephraim Nyadowa
Take control of your money and build long-term wealth step by step.
Order through WhatsApp from your cart. Your item unlocks in My Library as soon as SALE-RITE confirms your payment.
Take control of your money and build long-term wealth step by step.
This self-paced course by Ephraim Nyadowa has 3 modules and 9 fully written lessons. Every lesson includes a step-by-step walkthrough, a worked example, a practical assignment and a short quiz to check your understanding. Study online in your SALE-RITE library and download the complete course workbook (PDF) to keep.
The course is text-based with downloadable materials; there are no video lessons. You complete it by working through every lesson and marking it complete.
Workers, families and young professionals who want control over money and long-term wealth.
Ephraim Nyadowa is the founder and Managing Director of SALE-RITE ENTERPRISE in Lusaka, Zambia. He holds a degree in Computer Science and has spent around six years helping individuals and businesses with technology, digital services and practical skills. He writes and teaches to make useful knowledge simple, local and actionable.

by Ephraim Nyadowa
A friendly, practical guide to budgeting, saving, beating debt and making every Kwacha count.

by Ephraim Nyadowa
Add side incomes from skills, products, investments and the internet without burning out.

by Ephraim Nyadowa
The money lessons school didn't teach: budgeting, saving, credit, digital safety and investing early.