Reflections, lessons, and practical encouragement on personal growth, leadership, faith, and intentional living.
We officially have 91 days left in 2026. I can now officially say, “It’s beginning to look a lot like Christmas.” 🎄😂 For many of us, October brings a subtle mix…
You may have seen people talking about Dangote Refinery’s IPO over the past few days. Some people are excited about it. Others are sharing their concerns. But…
Sybil Obeng | September 17, 2026
Financial security means different things at different stages of our lives. For some, it could mean having money in a savings account. For others, it could mean…
Sybil Obeng | September 3, 2026
Just recently, while studying for an actuarial professional exam in Ghana, I experienced one of the frustrating realities of our energy problem firsthand. The…
Sybil Obeng | August 27, 2026
Imagine you want to buy a car for GH¢150,000 but you do not have the full amount. Under conventional banking, you may take a loan and repay the bank with…
Sybil Obeng | August 20, 2026
Imagine two Ghanaians each have GH¢100,000 . Person A spends the money on things that are quickly consumed. A year later, most of the money is gone. Person B…
Sybil Obeng | August 13, 2026
You and a business partner run a company together. The business has one rule: before making any major purchase or signing any contract, you must first confirm…
Sybil Obeng | August 6, 2026
Imagine you finally get the chance to sell your products in one of the biggest marketplaces in the world, and you don't have to pay the usual fee to access that…
Sybil Obeng | July 30, 2026
Imagine you're taking malaria medication. After a few days, you start feeling much better. The fever is gone, your strength is returning, and it seems like…
Sybil Obeng | July 23, 2026
Imagine a teacher gives every student a textbook on the first day of school. At the end of the year, every student still owns the book. Does that automatically…
Sybil Obeng | July 16, 2026
Imagine two people walk into two different banks to borrow the same amount of money. They have similar jobs, similar incomes, and want the same type of loan.…
Sybil Obeng | July 9, 2026
Imagine you've been saving for months to buy your first laptop. You're almost there. Then one evening, heavy rains flood your room. Your mattress, clothes…
Sybil Obeng | July 2, 2026
Imagine a school has a library, but only a few students are allowed to borrow books. The rest have to rely on those few or lack access entirely. Financial…
Sybil Obeng | June 25, 2026
Last night, millions of Ghanaians stayed up to watch the Black Stars secure a dramatic, last-gasp 1-0 win against Panama at the World Cup. When Caleb Yirenkyi…
Sybil Obeng | June 18, 2026
Today, let’s talk about rice. If you grew up in Ghana or live here now, there is a very high probability that rice is on your plate almost every single day.…
Sybil Obeng | June 11, 2026
Imagine you had a friend who borrowed money from several people and struggled to pay them back. For a while, nobody wanted to lend them money again because…
Sybil Obeng | June 4, 2026
From buying food to paying bills, Mobile Money has become part of almost every financial decision for many Ghanaians. That’s why this week’s finance news…
Sybil Obeng | May 28, 2026
Imagine a school with a lost-and-found system. A lost-and-found system is a place where lost items are safely kept until their rightful owners come to claim…
Sybil Obeng | May 21, 2026
Imagine you send someone to buy a product for a project. The product actually costs GHS 1,000. But the person comes back saying: “It cost GHS 5,000.” Meanwhile…
Sybil Obeng | May 14, 2026
Imagine two entrepreneurs. One lives in a country where payments are fast, loans are accessible, and business can happen across borders smoothly. The other…
Sybil Obeng | May 7, 2026
Imagine you belong to an association where members contribute monthly dues to support community projects and welfare. This association has about 100 members, so…
Sybil Obeng | April 30, 2026
If you love sports, you know the excitement is building for the 2026 FIFA World Cup . But beyond the excitement, there’s something interesting happening here in…
Sybil Obeng | April 23, 2026
Think of a popular provisions shop in your neighborhood. Let’s call it "Kwasi & Sons." In 2022, the shop was a total mess. The shelves were almost empty, Kwasi…
Sybil Obeng | April 16, 2026
Imagine a small community where everyone depends on one shared well for water. If two people start fighting near that well and block access, everyone else no…
Sybil Obeng | April 9, 2026
Imagine you borrowed money from a relative to buy a school bus. Your plan was to charge students for rides and use part of that money to pay your relative back…
Sybil Obeng | April 2, 2026
One of the financial instruments many Ghanaians invest in is Treasury bills, largely because they are backed by the government, easy to understand, and have…
Sybil Obeng | March 26, 2026
Imagine you want to take a loan to grow your business or buy an asset you believe will increase your income. You walk into the bank expecting one interest rate…
Sybil Obeng | March 19, 2026
Sybil Obeng | March 5, 2026
Sybil Obeng | February 26, 2026
Sybil Obeng | February 19, 2026
Sybil Obeng | February 12, 2026
Mobile Money has become more than a payment tool
Sybil Obeng | February 5, 2026