SACCO Practitioners and Consultants Company Ltd

The company’s main objective is to enable executives and management staff of SACCO networks, practitioners and consultants to improve performance of duties entrusted to cooperative structures

The company’s main objective is to enable executives and management staff of SACCO networks, practitioners and consultants to improve performance of duties entrusted to cooperative structures or SACCO and to become equipped to better cope with the constraints encountered through training and workshops

Cooperatives have developed in practically all countries around the world. However, they are sti


*Money Mistake 13:*
Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there's money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She's disgruntled and she doesn't seem to see herself earning from the land in the near future. Now, let's ask ourselves: Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?

Let’s take stock of our finances. How many mistakes are you guilty of? Do you now feel better-equipped to do better with these tips? Good luck, savers! Share this knowledge with your friends because it will not benefit you if you are selfish with it.


*Money Mistake 9*
Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus ... impulse buying is a devil that will keep you busy!

*Money Mistake 10*
Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself: What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.

*Money Mistake 11*
Paying an amount for something that's not the minimum you can get that same value for. In other words, if you are along east Kampala Road and you pay $30 for a shoe that you can get at $15 at Kamwokya market, that's a money mistake except for those who have achieved financial freedom.

*Money Mistake 12:*
Consistently spending all you earn or more than you earn. It's like having a drum where you have an inlet that's smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!


*Money Mistake 5*
Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That's why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in business. I am talking about putting it in an investment.

*Money Mistake 6*
Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.

*Money Mistake 7*
Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it's self-explanatory.

*Money Mistake 8*
Avoid keeping money you don't intend to use in the short-term within easy reach. For instance, don’t walk with in your pocket when all you plan to do in a day costs . Like I mentioned in Money Mistake 3, there are always expenses available to gobble any money that is within reach, so if you don't want to lose it, put it away in a safe place.


*Money Mistake 1*
Never borrow money that accrues interest to start a business . That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.

*Money Mistake 2*
Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you: "Ezra, come to my office tomorrow at 9am and pick "don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.

*Money Mistakes 3*
If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their 'relatives' so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. That's why I've learnt to save with an INVESTMENT CLUB. Once I send money there I assume I no longer have it. Before you spend any money, put your savings aside then spend what is left after saving.

*Money Mistake 4*
When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.

Photos from SACCO Practitioners and Consultants Company Ltd's post 24/01/2022

Those working and living in Buikwe District preferably in Njeru Municipality, we bring you Buikwe Millennials SACCO LTD. Our services are strictly for fully paid up members. Contact us on 0770403085, 0754924083 for more information


Don't get stuck!

At any one point, we all need *EMERGENCY CASH* for any of the following;
1. School fees, urgent medical bills, land purchases.
2. Last minute Function Budget Shortfalls, Burial expenses
3. Urgent car repairs
4. Up front rent payment when moving to a new place.
5. Insurance premiums for acquired vehicles or assets

1. A clear and upright passport size photo
2. A clear employment ID, National ID and NSSF card
3. A clear and valid contract/appointment and confirmation letter
4. Three most recent pay slips
5. Three months bank statement of salary account ending on the date of loan application
6. Mini statement of salary account
7. Cheques for salary account covering the loan term
8. Two guarantors and one must be a colleague
9. Should be earning UGX 600,000 gross salary and above per month

1. For those without cheques, we offer u credit on evidence that u applied for a cheque book and make an undertaking that u will bring cheques after the cheque book is out
2. Those whose bank accounts are not for ATM cards are exempted frm mini statement
3. Foreigners will require work permit and copy of passport
4. Those without national ID can provide the application form for National ID
5. Those without employment ID can get provisonal employment ID frm their bosses

*Why Platinum Credit?*

1. Loan paid in lessthan 24hrs
2. Early loan closure allowed
3. Minimum requirements
4. No hidden costs

For more details please feel free to contact MR. T. INNOCENT *credit officer private sector loans* on 0752411075/0773561832


Hi friends and well wishers.... our company's website will be fully launched in September this month.


Plz, dnt pick call frm dis number when it calls: 0800226655 illuminatti devil worshipers are after innocent souls. They are using pple for rituals from today till dec. 17th. They just want your voice. Send this message to pple you care about. Plz do it now


The key to success in business is that u must believe in what u are doing and u must have passion
The second key is that u must love pple and be a giver. I order to fully actualize ur God given abilities, u have to share with others. We are all instruments of the divine God's helping hands in the world


Difficulties in you life don't come to destroy you but to help yourealise ur hiden potential and power, let difficulties know that you too are difficult


Friends you need to know this, in promoting a cooperative movement u need to know its meaning. The ILO (International Labor Organization), in its Resolution 127 of 1996 defines a cooperative as follow;
"An association of persons who have voluntarily joined together to acheive a common end through the formation of a democratically controlled organization, making equitable contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in which the members actively participate."

like, comment and share
if the defination is understandable


Am yet to share with you a broad meaning of a SACCO and its activities. I need more likes my entire supporters


• Inspection and auditing of SACCOs
• Monitoring the operations of SACCOs
• Training of elected leade3rs and employees of the SACCOs
• SACCO development
• Support for human resource management
• Marketing, communication, IT support and processing, legal affairs etc



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