Absa Ghana Director Urges Financial Planning Without Steady Income

Financial planning is important for individuals regardless of income stability, as emphasized by Absa Bank Ghana's Kush Mkushi, who encourages disciplined money management even without steady earnings. The UK is introducing Alternative Student Finance (ASF), a state-backed student loan scheme compliant with Islamic finance principles, allowing students who avoid interest-based loans for religious reasons to access education funding on equal terms with traditional loans. Careers in financial advice offer personal fulfillment and community impact, exemplified by firms supporting charities like Support Dogs, which trains assistance dogs for individuals with disabilities, highlighting the role of financial professionals in wider social contributions. For students, developing smart money habits through budgeting and financial awareness during college is crucial for long-term financial health, with practical strategies such as tracking expenses and applying the 50-30-20 budgeting rule. Overall, these perspectives showcase diverse approaches to financial planning and support, from individual discipline and alternative financing models to community engagement and early financial education.