Agr. Digital Click

27/09/2026

Kambuzi plot

30/08/2026

Reflection: Lesson 15:
THE MINDSET OF HARBOURING REVENGE “TIDZAONANA”

In the society that we live, some people are born to treat others bad and when such treatment occurs to us, we often think of reciprocating the harm they have caused to us (revenge). But it is not always true that we will have the powers and capacity of doing it immediately due to a number of factors hence we decide that in future, we will ensure to take revenge directly or indirectly (to their associates that includes children and relatives).

In Chewa language, there is song which says “tidzaonana ngati siiunu ndi mwana wanu”. That’s how deep rooted revenge is in our society and blood veins, however this is one suicidal mentality that needs to be correct because it carries profound psychological, social, and strategic dangers to the person holding it. This does not mean we should smile when people do us bad; but the intention is to show that planning for retribution is not being rational and any outcome is not a success.

Revenge does not provide closure hence the person planning to do it stays with prolonged emotional trauma which sometimes lead to lose sight of their own core values and start miscalculating risks ahead. There has been a number of stories in families, work place and religious establishments that can be sighted which includes denying someone an opportunity because their fathers tortured them or an old person sleeping with a minor as an act of revenge. The above are not only bad but they also have consequences. Sleeping with a minor is criminal offence and once caught the law takes it course, you may end up being incarcerated for 14 years+. And bad labor practices can lead to the perpetrator losing their own employment.

Our reflection is “Never be too foolish to suffer double jeopardy instead be wise by not harboring revenge” Romans 12:19

16/06/2026

Reflection: Lesson 14
THE NEW TAX MEASURES THAT BRINGS DISPROPOTIONAL RETURNS
The year 2026/2027 can be described as a high tax year burden to most Malawians based on the taxes and levies that government has put in place to sustain the provision of social services to the populace. This is based on comparative basis to others years such as in 2024/2025 financial year. Based on the new taxes introduced, our domestic revenue collection is supposed to improve by at least 60% this year. And with the fiscal financial prudence that the leadership has demonstrated through reduced local borrowing and stabilized food prices, the living conditions for most people could had improved significantly however; the reality on the ground gives a different story which calls for a sober reflection. A number of examples can be cited such as stalled construction projects due to none payment of invoices, lack of essential drugs in the hospitals, delayed funding to agencies such as ADMARC, no markets for food produce and eroded people buying power.

The question that we normally ask; every year there are new tax measures but very little revenue growth, is our taxation system progressive or retrogressive?

The problem is not the taxation model used but rather it is our approach to life. We are a people that are short sighted hence we put all our energies on finding short term measures instead of building a concrete forward looking measures. We normalize forget that there cannot be revenue growth through taxation in an economy where production is crippled. When we want to grow tax base we should always look at an entrepreneur who cannot expect better return on poorly invested enterprise. And who cannot invest in a business which s/he has no idea where the goods/ services will be sold. But sadly that’s what the government expects its citizens. To pay taxes which it can use to provide social services to its people without thinking on how to first empower them.
We are cognizant of the fact that there are a number of agencies that government has established to promote economic growth but these are institutions are neither functional as they are retrogressive in their dealings. For example Malawi Export and Development Fund would make calls for expression of interest to traders to supply items such as legumes in large quantities during harvesting period; do it really think a normal business entrepreneur will hold his/her capital in growing tones of legumes without knowing where it will be sold? Investors are not such daft, why not promoting the legumes prior to growing seasons and tie capable small and medium entrepreneurs through contractual agreements.
My view on the approach to taxation is not to overburden tax payers but broaden tax base through productivity and value addition initiatives. Let government/agencies find markets for our crops and livestock. It should also remove restrictive policies on some crops such as maize instead it should promote production which will make it affordable to people. We should always remember that restrictions stifles innovation and production.
I close with the belief that it will not benefit us to overburden tax payers because we just promote tax evasions and none compliances

10/06/2026

10/06/2026

We also train livestock.management

31/05/2026

We offer agricultural extension services

16/05/2026

ACCOUNTING, ASSURANCE AND GENERAL CONSULTING SERVICES
For individuals & Businesses

The first step to success is to take complete control of your business. Here we are to support financial future through tailored solutions for individuals and businesses
Our services includes
 The Accounting Services (The Doing)
Bookkeeping: Recording sales, purchases, and day-to-day expenses.
Payroll Processing: Managing employee wages and tax deductions.
Financial Statement Preparation: Compiling raw data into organized Profit & Loss statements and Balance Sheets.
Tax Planning & Preparation: Organizing financial records to file accurate corporate and personal taxes

 Business Advisory & Consulting
Business plans: We put your thoughts into a readable document for your business
Reviews: A lighter, analytical review of your financials to provide limited assurance that they make sense.
Internal Controls & Risk Assessment: Reviewing your internal company policies to prevent fraud, mismanagement, or data errors
Capacity building and mentorship: We provide coaching and mentorship in ERP systems that includes QuickBooks, Zoho, Sage
Virtual Controller: Acting as an outsourced Chief Financial Officer to guide long-term financial strategy, oversee cash flow, and manage risk.
Budgeting & Forecasting: Analyzing historical data to create reliable future financial models and budgets.
Business Valuation: Calculating the fair market value of a business, often required for mergers, acquisitions, or succession planning
Talent Management: Advising on recruitment processes, performance management systems, and professional training and development

 Corporate Finance & Restructuring
Mergers & Acquisitions (M&A): Advising on financial strategies, due diligence, and deal structuring.
Debt Restructuring: Assisting organizations with renegotiating payment terms and reorganizing liabilities.
Raising Capital: Preparing the financial documents required to secure bank loans or attract investors

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06/03/2026

Reflection: Lesson 12
UNVEILING THE VEIL OF HUMILITY AMIDST LACKING
When you have money and materialize and you decides to live a modesty life, that’s humility. However if you are struggling in life to make both ends meet and you decides on cost cutting measures, that’s not humility but survival mechanisms developed to sustain or manage your life in times of lacking adequate resources
In our society, there have been many people who lives a life of humility and very often, they struggle in silence when things have stopped working in their lives. The struggle is based on either that the society is not aware of their situation based on the fact that they were already living low profile; or the society deliberately decides to put a blind eye to their circumstances.
There is a misconception and lacking of understanding between living a humble life and lacking. In the bible Mary accepted the message of Angel Gabriel of having a child without sleeping with a man. This is a vivid example of humility because she accepted to lower her standards in the society. I am sure she was perceived as an irresponsible woman by others considering that she kept her virginity for a long period of time and was about to get married to a man that the society respected as well because of his works but accepted to be looked down for the purpose of being a service to God’s ministry. The second example is the poor widow of Zarephath in 1 Kings 17:8-16 who prepared food for Elijah even though she was left with little flour and oil for herself and the children during feminine. This demonstrates that even the poor and lacking can have the virtue of humbleness
In the modern world, there has been stories of death or diseases like mental disorder, hypertension that has affected people that lived a humble life and are now struggling with life. When such people die, we often say they didn’t speak out of their situation but the truth of the matter is that even if they had spoken, that was not a guarantee that the society was ready to support them. And at times, the affected even decides to blame the society is to blame for not standing with them during their lower moments forgetting that we are custodians of our destiny. Refer to the biblical book of Job who was rich, he become very poor losing everything include his family but he rose again
It is good that we all know whether were are humble or flamboyant that what we become was built with our hands hence our downfall is our making as well. With that were are made self-aware that we have all what it takes to raise again
A few steps that we are supposed to take includes the following;
 Acceptance of the new reality
It is wrong time wasting to deny your situation and starting blaming people who have abandoned you in times like these; instead perform an honest deep evaluation of your current financial state listing all debts, assets, income and expenses to understand exactly where you stand. This will help and provide guidance to have a starting point of recovery
 Creation of strict and prioritized budget
Develop a survival plan and ensure that you religiously track all expenses. In addition, cut off all negative energies. The negative will include toxic people. It should be noted that toxic people includes those sympathetic but offers no value
 Establishment of a small emergency fund
Even though the debts are very high during this period of time and the pressure is very unbearable, create a small buffer fund of say MK10,000 to cover for emergency costs that might include attending for interviews; meeting other people who are willing to support you and to ensure that you have a functional phone for communication. Please don’t sale your phone during such times and don’t switch it off to manage pressure or you risk losing an opportunity
 Boost your income and rebuild credit
Find ways to boost your income. Start looking for part time work, sale off unused items and speak to a few relatives and friends that maybe willing to support you (please don’t be over expectant or you risk getting disappointed). If you have specials skills or talent which can give you 1 kwacha, it is high time to start using them. For example, you know how to braid hair, advertise your skills through your phone and your charges should be economical. With the little income that you are generating, start repaying the loans little by little. In addition, you should ensure that you are looking for long term activities that can boost your income. This includes looking for long term employment opportunities, negotiating for long term loans, renegotiating debts repayment period and establishing new businesses
 Build a new network
Sometimes it’s too tempting deciding that you will leave alone because of the hardships that you have gone through. Such thoughts are developed at the point of pain and this is an indicator of self-denial. No mankind can live in isolation and expect to survive and achieve. It is important that you start having new people that you will move on in the new you. These may include other people from your old cycle and others whom you never interacted with previously. The most thing is to only have people that you add value to your new chapter of life
 Avoid immediate giving or charity activities
This may sound selfish but it’s very important. People will always celebrate and glorify you but they will run away again if you are found lacking again. Instead use every penny to rebuild yourself and avoid getting entangled in conflicts or activities that might harm your drive to rebuilding.

As we wrap our reflection, let me encourage those that are at pick to guard their progress and those that we are now struggling with poverty to accept their situation and start to rebuild again. We should always remember that when we fall seven times, its raise eight times

24/02/2026

ACCOUNTANCY SERVICES TO NGOs/PRIVATE COMPANIES & INDIVIDUAL TRADERS

We are aware that numerous organisations have 31 December as their financial year-end and needs to demonstrate their accountability through audited financial reports. We also know that April is the new government calendar where most trading companies will require a tax clearance certificate to demonstrate compliance and remain competitive. Your finance team can be overwhelmed with these tasks hence talk to us to provide these services

Be strategic, be intentional, and achieve optimal results.

Call: 0888369804
Email: [email protected]