HOW TO USE YOUR MONEY WISELY|| KADAMA SAVING !!|| Penninah the grace

[@penninahthegrace3036]

Thanks for watching and kindly subscribe😍😍 kzbin.info/www/bejne/e6TYn3-tbLFkn9k

[@chachamode5379]

I'm already subscribed

[@penninahthegrace3036]

@@chachamode5379 thanks dear🙏

[@niwemugenimediatrice5640]

Hi sister Penninah,can you check on me ,please?my number is [phone].Iwish to talk to you

[@priscafogss]

Penninah The grace I wish I can subscribe twice 😄

[@penninahthegrace3036]

@@priscafogss 🤣🤣 I know my dear it's impossible but I'm glad because you are here🙏

[@TokunboLatonaTV]

This are very great tips sisi. Very educative and helpful. We need to be wise in spending, especially at this time

[@penninahthegrace3036]

Thanks so much 😊

[@ScullyPop]

I'm putting you on my bedtime listening for tonight 😜

[@sarah1966]

I like your post coz you are a Kenyan but you do it in s favour of all kadamas in Saudi Arabia thanks so much be blessed 🙏.

[@penninahthegrace3036]

Awww thanks darling yes we are all one😊 thanks so much for your kind words 🙏

[@yasminbarry7941]

Excellent advice. So wise! Considering how hard you all work in those countries, it's even more heartbreaking to think that some of you might not even be able to live a comfortable life once you go back home.....😥

[@penninahthegrace3036]

You are right but in all we trust in God, thanks so much dear I really appreciate you 🙏

[@priscafogss]

It’s always smart to save money. One thing I never do. Because I have so much responsibility . Every time I try to save money something happens to a family member that I have to give money to. This happens very often. Wise saying. Never lend money to no one.you will lose your money and the person. If you value the person don’t lend them money.

[@penninahthegrace3036]

Thanks so much dear,yes it's wise to save money but sometimes just as you said you save and you use them all😢 Lending money is a waste if time I rather give without return

[@priscafogss]

Penninah The grace absolutely. Better that way! God bless. Hope you are staying safe? Nothing comes easy in this life . Only the virus comes easy but hopefully you are safe from it. 😘

[@yasminbarry7941]

"....You will lose your money AND the person....." This is sooooooooo true!

[@yasminbarry7941]

@Priscilla Presley: I know you have heavy responsibilities, but.....Perhaps you should start putting yourself first, because who will be there when it's your turn to need help!

[@priscafogss]

Yasmin Barry absolutely I started doing that. Even for no reason nobody cares they only remember you when they have problem. So who will lend me money when they don’t remember me unless they need help. Lol life has thought me lesson.

[@VersatileNana]

My sister money can bring enmity between families. We need to be wise in spending

[@penninahthegrace3036]

True and thanks for watching

[@priscafogss]

Versatile Nana that is a fact!

[@VersatileNana]

@@priscafogss can we be friends?

[@Rosectv]

Amazing tips 👌👌👌👌of saving money dear, especially now I need to save a lot.

[@NaomiBlackysFamilyLifestyle]

I just bumped to your channel dear but got really glued to your story😊💖👍. I have just subscribed, Hakiba haiozi I am a kenyan born too 🇰🇪🇰🇪💖💖💖so inspiring I enjoyed watching best regards

[@penninahthegrace3036]

Thanks so much dear and welcome to the family 💕

[@afrodelicacies]

yes you are correct ,I have been a victim of lending money and later caused enemity but I overlooked the money so we can still be friends . great lessons from this video .

[@penninahthegrace3036]

Yes we all learn by mistakes I'm sorry for being a victim too,but Atleast we won't repeat the same mistake, thanks so much appreciated 🙏

[@truckerzee9643]

Hello Afro

[@eunicechemeli1947]

Wonderful girl thanks for the advise

[@penninahthegrace3036]

Hello Eunice thanks darling and welcome to the family 💕

[@anneokonkwo2723]

It's really important to save, trust me you 'll be happy you did. Amazing tips.

[@penninahthegrace3036]

Exactly dear

[@KevinHartVlogs]

Great tips my awesome friend! Liked

[@penninahthegrace3036]

Thanks too my friend for watching

[@chachamode5379]

I'm the first thank you for the video

[@penninahthegrace3036]

You welcome 😘😊

[@SunMedia1]

Lovely tips for saving and spending money wisely. Thanks for sharing

[@penninahthegrace3036]

Thank you so much I really appreciate 🙏

[@sarahogama9540]

Very true dya I lend My sister some money but yy ni Kemboi na mm nilistick ndani sijakemboi but the problem is anachukua pesa yangu but she's not paying back nikimdai ananizungusha tu like seriously

[@penninahthegrace3036]

Na ndio kemboi hupata pesa mingi😢

[@robertchatambudza3249]

Thank you so much for these wise words .

[@penninahthegrace3036]

You are welcome

[@leeldavid3712]

Hey sister,am anew comer in this channel,and I've listened to some of your stories indeed it very educative,love you big my sister ❤️❤️❤️jst continue educating being a blessing to many from 🇰🇪🇰🇪.Shallom🙏🙏

[@penninahthegrace3036]

Thanks darling 💕

[@amaliweston3963]

ONCE AGAIN, VERY IMPORTANT INFORMATION TO THINK ABOUT. THANKS FOR SHARING DADA. GOOD JOB.🙏🏾👍🏾👌🏾🙌🏾🙌🏾💖

[@penninahthegrace3036]

Thanks for watching darling 💕

[@amaliweston3963]

@@penninahthegrace3036 YOUR WELCOME. KEEP UP THE GOOD WORK.🤣🤣🤣🤣🙏🏾💝💗💖

[@mqondisikhupemqondisikhupe4126]

Thanks for the advises my precious Sister

[@penninahthegrace3036]

You are welcome my precious Brother 💕

[@AyleensFoodVlogs]

Very go you ´good tips save as much as you can when you don't have so much expense. Lend money that you are sure you are ready to lose.

[@penninahthegrace3036]

🤣 true lend and never ask for refund, appreciated sis

[@ShirusOrbit]

I love savings very interesting tips.. money is not a problem but house to use it

[@penninahthegrace3036]

Thanks dear

[@elicente]

ThankYou for sharing the Great Tips Sis.. 😊❤️❤️ I’m pretty good with saving but my husband likes to over spend. He really needs to watch your video..😊

[@penninahthegrace3036]

Thanks so much my lovely friend 😊 I'm glad you love this video I really missed you but I'm happy because I see you have a lovely day

[@elicente]

Penninah The grace you’re most certainly welcome Sis! Have a wonderful day ❤️

[@mkditube]

Correct dear we must now how to use it💖💖💖💖💖🙏🙏🙏

[@penninahthegrace3036]

Yes thanks for watching

[@truckerzee9643]

Hello miss tube

[@AboutFaceWithMonaBagot]

I am so happy to see you. Somehow we became disconnected. I hope you are receiving all of God's blessings

[@penninahthegrace3036]

Mona I'm just trying to cope with everything I hope God will see me through

[@ubhmu14]

Hi, grace I wish you best in that country.

[@penninahthegrace3036]

Thanks darling 💕

[@MrSop]

I'm good at loaning people money but not good at getting it back. I know how many people I loan but they never returned it. These words from you are purely wise words for anyone that wants to be financially free.

[@penninahthegrace3036]

Thanks so much bro.

[@VersatileNana]

I need some o

[@dianajanecapiral2546]

Hello, Thank you for sharing your video❤ 😍salute 😇 Have a wonderful day ahead 😇 Stay safe everyone 🙏🌎

[@penninahthegrace3036]

Thanks so much dear I really appreciate you🙏

[@lucykageha757]

Thanks for saving me about that so nicely advice 👌👍

[@penninahthegrace3036]

Yes dear try to play safe otherwise you might end up regretting all the days of your life😊

[@lucykageha757]

I want to no you more siz 😘

[@penninahthegrace3036]

@@lucykageha757 hello dear thanks so much please check in the description box then inbox me thanks in advance

[@MbinkarOdetteSuliy]

You're very right, yeah the funny think is if you buy dresses you're not to be wearing them as for leading money love, I will just laugh hahaha

[@penninahthegrace3036]

Yes why buy clothes that you will not use,and maybe after those two years you may add some weight or lose! I just see it's unnecessary bless you dear😍

[@Hazeisamamanow]

Good tips dear I will do that...

[@penninahthegrace3036]

My princess 😁 thanks for watching 🥰🥰

[@queenmonirah3831]

Thanks for this good advise I like it

[@penninahthegrace3036]

Awww bless you my darling,I have more videos that you might like please watch and kindly Subscribe for more 💕

[@judymomanyi5904]

Very true mydr siz ........

[@penninahthegrace3036]

Thanks dearie 💕

[@clarisbindo2471]

Thanks may God bless u

[@penninahthegrace3036]

Amen bless you too

[@nafisatjokes2864]

I am like the idea of the first thing I have to do for you and the expenses for taking up to work together to get the money to be done before the last one is lifetime and the same goes for next week to get back to me going back years to make up nice people to get the money back from me again thanks so much

[@indreindy3714]

Actually that happened to me, I hardly knew we were friends because I had something to lend till I became broke, nobody wanted to hear from me

[@penninahthegrace3036]

I'm sorry dear we all learn from our mistakes may you overcome the situation 😍

[@indreindy3714]

@@penninahthegrace3036 thanks for your kind words

[@NaomiBlackysFamilyLifestyle]

Sister I love your personality 💖💖💖💖

[@سعيدالقحطاني-ف1ف]

That's how my ma'am does, when she lend money from me, to pay back is problem. And the amount she usually ask for is 100 riyals which when converted to Nigeria money is almost 10 thousand naira. And if I did not give her she will be mad at me and will start giving me unnecessary work to do even if I have done it before. God will help us

[@penninahthegrace3036]

So you a victim too😅😅 and remember she is your mom you can't do anything but to let go,my advice please try and safe your money yourself and thank me later 😅

[@سعيدالقحطاني-ف1ف]

That you ma

[@pichunakichuna2111]

You lucky some can’t even use phone like u I think your boss she’s not sooo bad

[@penninahthegrace3036]

My dear it's just God's grace and wisdom,they don't like us holding our phones! Thanks for watching

[@dianamuchai]

I laughed hard with you when you said "they normal ask for ten thausand" because thats exactly my case.. And was wondering what is this 😂😂 wanafikirianga ndio ile kidogo wanaeza kopa 😶

[@penninahthegrace3036]

Can you imagine ukiwambia wakuje wajaribu bahati yao wanasema how about my husband 🤣🤣 Wacha wakae Kama husband Ni food let them eat Mimi nimechoka🤣

[@tabithanjeri7264]

Thanks alot dear that true10k🤣🤣

[@maggiechepkorir7565]

Thank you siz, so why some people use to said is bad people

[@penninahthegrace3036]

Yes dear in each and every country we have good and bad people we can't say all Arabs are good yet we are staying with them thanks for watching 🙏

[@rayahassan5055]

Hii sister it my fist tym in u channel but ireal like u. God bless u.

[@penninahthegrace3036]

Wow thank you so much and welcome to the family bless you dear, don't forget to subscribe and watch more videos we have alot of stories in this channel, thank you💕

[@rayahassan5055]

@@penninahthegrace3036 ooh thank you very much. Dear❤

[@maureenmis5852]

Am a victim of lending money yet I don't know how to claim it back so am learning on how to be saying I don't have maybe that one will work for me

[@penninahthegrace3036]

Yes dear try not to lend money at the end of the day you will be the one crying for wasted years!

[@maureenmis5852]

I wasted already my dear am in deep regrets

[@penninahthegrace3036]

@@maureenmis5852 we all learn by mistake I pray that you will never repeat the same mistakes 🙏

[@preciousprossy8705]

No u can't say u don't have yet they know u have it unless u send it by yourself but if they a the ones to send no way u can refuse borrowing them just prayers your money to be back to u

[@moraaontiri4082]

Hapo kwa msamaria mwema has killed me totally

[@penninahthegrace3036]

😁

[@innocencegakii5513]

Thanks so much ....but what can I do please am just three months here in saudi but my madam doesnt buy me anything she keep on saying everything is money so to make the story short...after she give me my salary she will come to my room and tell me to give her money so that she can go and shop for me all the staff i want please i need ur advice

[@penninahthegrace3036]

My dear she should be the one buying for you your staff's not the other way round

[@jrjjdj1426]

My friend for me they don't give anything apart from food and oil

[@penninahthegrace3036]

So sad dear just appreciate the little they give you,God will open another door 💕

[@حسامحسام-ب7ض]

ط

[@olanrewajuprecious4328]

Am new here thanks for your advice ma

[@penninahthegrace3036]

Welcome darling 💕

[@gogigymilly8158]

Good content dear

[@penninahthegrace3036]

Thanks darling 😘

[@naomikerry5164]

To avoid lending money especially the waiguru and waititu's family send all the money home meanwhile saving in your account

[@penninahthegrace3036]

🤣🤣 yes If you lend them they will never give you back!

[@vashtyjeriy3064]

I lend mine 400k up to date Niko soo depressed after 3yrs of working

[@penninahthegrace3036]

@@vashtyjeriy3064 😢 I'm sorry darling but please keep reminding them it's your money your right Aki hawa warabu😭

[@preciousprossy8705]

@@penninahthegrace3036 but me have been lending them coz I never want to send 1month money but they usually bring it back as they a giving me another salary ,now can u refuse

[@penninahthegrace3036]

@@preciousprossy8705 if you trust them in this it's ok,but I know so many people who did the same including me was not paid back 😁

[@truckerzee9643]

Good tips . Especially writing down your expensives . Lend me 10,000 please

[@penninahthegrace3036]

🤣🤣 10,000 into dollars is little, Anyway I will give you and I don't need refund 🤣

[@liliansamba7178]

Wise tips and educative 😘😘

[@penninahthegrace3036]

Thanks so much darling 💕

[@peninahnyaboke1419]

Its true but to myself no soap,clothing .just food they give me .when you talk 2 office they dont want 2 ear.but itrust in God

[@penninahthegrace3036]

@@peninahnyaboke1419 you should be given everything dear,my advice just manage what you have they will feel ashamed and buy you new jitie nguvu darling 💕

[@peninahnyaboke1419]

@@penninahthegrace3036 amen amen name

[@icking3584]

Thnkz for advice

[@penninahthegrace3036]

You welcome dear thanks for watching 😍😍

[@salomegoogle7207]

Una ongea ukweli kabisa mimi niko Jordan now 6th years ❤️

[@penninahthegrace3036]

Wow congratulations,six years sio rahisi but it's by God's grace keep doing well and may the grace be upon you forever 🙏

[@livinggrace1011]

Sasa salome. Mi pia namalizia 6th year Jordan. We ni mkenya?

[@philismusivogi3004]

You're right gitl true

[@penninahthegrace3036]

Much love😍

[@adlightnakhaima2389]

Thanks dear be blessed

[@سيفالاكلبي-ف2ك]

my friend am in second yr and I didn't get anything in my firstyr wat to do

[@penninahthegrace3036]

Start saving now it's never too late dearie

[@agnesfaith8695]

Good advice gal

[@penninahthegrace3036]

Thanks so much dear appreciated 😍

[@alicenyabonyi9181]

Thanks darling am new but am happy of ur advo

[@tabithanjeri7264]

My dear how can i change hao after 2yrs im amost

[@penninahthegrace3036]

Just go home and apply for another one it's the better way

[@maryngash6100]

Woow points taken 🤔🤔

[@penninahthegrace3036]

Good

[@mauraabinayo1882]

Umekaa how long saudi

[@penninahthegrace3036]

Sai Ni 6 years darling

[@preciousprossy8705]

Me they borrow and much money like 500 riyals

[@penninahthegrace3036]

Understood if they give you back no problem dear

[@mariamnanzala1454]

✍️✍️✍️✍️

[@marywangui9305]

Show me how u open a you tube account

[@penninahthegrace3036]

Hello darling it's easy inbox me I will give you my number then I will tell you all the details

[@Assemblyofexcellencepodcast]

Lmao I'm never loaning money out ever again

[@penninahthegrace3036]

🤣 good I see you are a victim too?

[@jeninahkaroli837]

But jaribu kasauti

[@penninahthegrace3036]

Yes dear it has improved before I was so shy but now I'm improving day by day🥰

[@jeninahkaroli837]

0768791579 pls I want to talk with you pls search me pls pls pls

[@jeninahkaroli837]

Mimi joo mdomo ujaaa we www ata sijui pls cal me we talk

[@fatumaswaibu9243]

Some of us we buy our selves requirements eccept soap ,lending money am the victim

[@penninahthegrace3036]

Thanks dearie 💕

[@fatumaswaibu9243]

Muslim we give swadaqa

[@penninahthegrace3036]

Yes

[@pichunakichuna2111]

Two years ? Working for 30 k in a month ? How much in two years? That’s slavery

[@penninahthegrace3036]

Hello dear😊 it's 360,000

[@pichunakichuna2111]

Still is very little 360 in two years ? But is better than leaving in Kenya doing nothing God will punish this people I leave in Switzerland 🇨🇭 n am paid , 3,800 swiss frank it’s same like 3,800 dollars in a month and am still not satisfied , work hard dear am proud of u

[@penninahthegrace3036]

@@pichunakichuna2111 ooo my dear this better because you have freedom too, I'm proud of you too let's keep pushing and see what future holds for us🙏

[@pichunakichuna2111]

Penninah The grace but u are more productive than me oooo it’s sooo expensive here at the end of the year I save a little but thru your vlog I have learn something from u I see bright future in you in u thanks

[@penninahthegrace3036]

@@pichunakichuna2111 you can say that again darling 😊 you too I wish you all the best 🙏

[@jeninahkaroli837]

You taiking slowly