Small amounts add up! Aim to save 5–10% of your income, even if it seems like a small amount. · Treat savings like a bill – automate it · Save first, spend later · Use a dedicated savings account · Celebrate small wins - they add up over time Smart saving now means more freedom

You put in the hard work - let us protect it. From fire, theft, and hail to wind, frost, and third-party damage, our comprehensive crop insurance has you covered. Secure your yields and your peace of mind. Contact Minerva Agri-Insurance Division. Harare: +263 (242) 779962-70

The Minerva Provident Umbrella Fund is a defined contribution plan designed to provide financial stability for employees when they retire or leave the company. It offers flexible, cost-effective saving options tailored to individual needs, plus an insured benefits package for

Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263 83 284 2118 minerva.co.zw

Covering contract works, equipment, machinery transport, and installation - tailored to your needs. Contact Minerva Risk Advisors about a policy. Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263 83 284 2118

A clear budget puts you in control. Track your income and expenses, then group them into essentials, priorities, and extras. Use a budgeting app or spreadsheet, review it weekly, and stick to your plan. Minerva Risk Advisors are here to help you make smart financial choices.

With Minerva's deep understanding of agricultural insurance, we help close gaps in your value chain while strengthening your risk management. The result? Better protection and potential savings - including up to 5% off your portfolio, depending on crops and assets covered. Get

Minerva offers expert guidance and tailored policies to meet your business needs. We handle full market assessments and clear policy comparisons - saving you time. As your outsourced HR partner, our consulting comes at no extra cost and always puts you first. Contact Minerva

Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263 83 284 2118 minerva.co.zw

Comprehensive Car Insurance covers accidental damage, theft, fire, natural disasters, and third-party liability. For peace of mind on every journey, insure with Minerva today. Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls:

Earning more? Save more. It's tempting to spend more as income grows, but real wealth comes from discipline. · Keep expenses steady · Put extra income into savings or retirement · Secure your future before upgrading your lifestyle Harare: +263 (242) 779962-70 WhatsApp: +263

Representing Zimbabwe is female squash player Polite Mubure, competing on the global stage in the women's singles event. We wish her the best of luck! Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263 83 284 2118

Since 1995, we've specialised in crop and livestock insurance and much more. We offer consolidated cover for your farm: buildings, equipment, machinery, electronics, vehicles, personal accidents, liability, personal risk, and household contents. Contact Minerva Agri-Insurance

The top 70 golfers battle through 3 events for the $18M prize: · FedEx St. Jude (Aug 7–10) · BMW Championship (Aug 14–17) · Tour Championship (Aug 21–24) Who's your pick? Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263

A slip, fall, or crash can change everything in an instant. Personal Accident Cover offers financial support for injuries, permanent disability, or loss of life due to accidents. More than protection - it's peace of mind for you and your loved ones. Contact Minerva Benefits

Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5 Victoria Falls: +263 83 284 2118 minerva.co.zw

Our affordable policy covers material and accidental damage to your home and everything on your property including garages, outbuildings, walls, fences, pools, tennis courts, driveways, and more. Secure your home and essentials with Minerva Risk Advisors. Get a quick quote at

Try these simple ways to cut costs without feeling deprived: · Cook at home instead of eating out · Cancel subscriptions you don't use · Buy in bulk and shop wisely · Carpool to reduce fuel expenses Put the money you save towards your emergency fund or insurance cover. Harare:

Avoid financial loss from damaged irrigation gear. We cover towing accidents, third-party damage, theft, vandalism, and natural risks like fire, wind, hail, and lightning. Contact Minerva Agri-Insurance Division to discuss a policy. Harare: +263 (242) 779962-70 WhatsApp: +263

Author Elizabeth White opens up an honest conversation about financial trouble and offers practical advice for how to live a richly textured life on a limited income. ted.com/talks/elizabet… Harare: +263 (242) 779962-70 WhatsApp: +263 783 822 031 Bulawayo: +263 (29) 64514-5