SlideShare a Scribd company logo
1 of 37
SPENDERRIFIC / Know When and Where to Spend 1
www.spenderrific.com
A WOMAN'S BLUEPRINT
FOR FINANCIAL RESILIENCE
SCAN TO GET
WEEKLY UPDATE
BEYOND THE TREAD
Women in the
Auto Industry
BOOK RECOMMENDATIONS
BY AND ABOUT INSPIRING
WOMEN
LiteraryVoices
TECH ESSENTIALS FOR STAYING
PRODUCTIVE ON THE ROAD
Workation Warrior
F***YouFund
Spenderrific
KNOW WHEN AND WHERE TO SPEND
ISSUE 02
MARCH 1ST 2024
*
Spenderrific.com
Reads for Pet Lovers
Looking for some interesting reads? You'll be pleased to know that Spenderrific.com has a variety of articles waiting for you!
Discover our travel, lifestyle, authentic cuisine, and pet care articles that are sure to provide useful insights and tips.
Time and again, as a pet owner you will be told why it’s
important to spay and neuter your pets. It’s a song your vet
might repeat over and over, especially if you are a new pet
owner.
Many breeds have natural qualities that make them ideal as
emotional support animals. For instance, certain dogs are nat-
urally empathetic and responsive to human emotions, quali-
ties that are essential for an emotional support dog.
Car travel with pets is one of the best adventures you can have.
Their cute faces enjoying the gushing wind through the rolled-
down window? Having them explore new spaces whenever
you stop for rest?
1 SPENDERRIFIC / Know When and Where to Spend
WHY IT’S IMPORTANT TO SPAY AND NEUTER YOUR PETS
7 EMOTIONAL SUPPORT DOG BREEDS FOR COMFORT
AND COMPANIONSHIP
CAR TRAVEL WITH PETS: 10 TIPS FOR SAFETY AND SECURITY
6 BEST INTERNATIONAL TRAVEL INSURANCE
COMPANIES 2024
FAMILY ROAD TRIP PLANNING: YOUR
ULTIMATE GUIDE TO A HAPPY FAMILY
ROAD TRIP
TRAVEL INSURANCE ESSENTIALS: WHAT
YOU NEED TO KNOW BEFORE YOUR TRIP
YOUR ULTIMATE GUIDE
TO SOLO FEMALE TRAVEL
BACKPACKING IN AUSTRALIA: HOW TO
STAY AND KEEP YOUR POSSESSIONS SAFE
Solo female travel is
whereit’satin2024!Yes,
the movement has been
growing over the years
and many women have
taken countless journeys
across the globe solo.
In fact, numerous female
travel bloggers have quit
their day jobs to travel
the world and work as
digital nomads.
Your Guide to Fun and Exciting Adventures
In This Issue
PAGE06
PAGE09
PAGE13
PAGE19
PAGE26
PAGE16
PAGE24
PAGE29
PAGE31
PAGE04
SOLO FEMALE TRAVEL
F*** YOU FUND:
WORKATION WARRIOR
EMPOWERING WOMEN IN
SUPPLY CHAINS:
BEYOND THE TREAD
2024 INTERNATIONAL
WOMEN’S DAY READS:
THE POWER OF NEGOTIATION
HEATWAVES AND HEARTFELT
CONNECTIONS
BOSS BABES IN BALANCE
EDITOR'S LETTER
Embracing Solo Adventures as a Woman
A Woman's Blueprint for Financial Resilience
Tech Essentials for Staying
Productive on the Road
Strategies for Building
Diverse and Inclusive Teams
Women in the Auto
Industry in Kenya
Book Recommendations by
and About Inspiring Women
Strategies for Women to Secure
Contracts and Partnerships
Tale of resilience in a land of
heatwaves and heartfelt connections
Nutrition Hacks for Busy, Working
Women on the Go
Visit our website:
www.spenderrific.com
for weekly articles.
General Inquiries
hello@spenderrific.com
CONTACT US
Spenderrific Magazine,
published by Spenderrific,
features articles and contri-
butions whose views may not
necessarily align with those of
the publisher.
The publisher retains all
rights, and any reproduction
of material requires prior
arrangement and appropriate
acknowledgment to Spend-
errific.
Advertising:
Spenderrific Magazine is a
monthly Lifestyle and Travel
publication produced 12
times per year and is available
in Print version.
Visit www.spenderrific.com.
DISCLAIMER
Enid Kathambi
Fat-hi Said
Brenda Mwirigi
Zarika Wambui
EDITORIAL
CONTRIBUTORS
SPENDERRIFIC
SPENDERRIFIC / Know When and Where to Spend 2
ISSUE #02
MARCH 2024
Editor in Chief
The issues run deeper beyond these daily
annoyances, like dealing with products built with
small-sized male targets as representation for
women. As you scroll through this magazine, how
well does your phone fit on your hand compared
to a man? Or the fact that women are more likely
to sustain severe injuries or lose their lives during
a car crash than men because most vehicle
manufacturers are yet to use female dummies for
safety testing.
The lack of women's inclusivity has contributed
greatly to these unfortunate occurrences, a
testament to the need for the inclusivity of women
in all facets.
As a woman, this is a cause very dear to my heart.
Women's inclusivity is not just a buzzword; it is
the foundation for a fairer, more equitable society.
It allows women to reach their full potential,
contributemeaningfully,andleadpositivechange
acrossallaspectsoflife,whichdoesn’tjustalleviate
the quality of life but can also save lives.
With this issue, we aim to inspire, educate, and
ignite conversations that contribute to the global
movementforinclusivity.Wecelebratethespiritof
adventure, inspiring women to take the leap and
experience solo female travel while encouraging
businesses to implement inclusive strategies that
cater to women travelers' needs. We explore
careersandfinancialindependence,empowering
women to venture into male-dominated careers,
and tips to build a strong financial foundation that
affordsyoua“F***You”momentinsituationsthat
threaten your safety and well-being.
Happy International Women’s Day!
Welcome,dearreaders,tothesecondissueof
theSpenderrificMagazine,wherewecelebrate
and encourage women's empowerment and
inclusivity.
Despite the strides made in promoting the
empowerment of women in recent years, the
inclusivity of women is still lacking in many areas,
from workplaces and homesteads to healthcare
and policies.
Last year, I read one of the most impactful books in
my library, Invisible Women: Data Bias in a World
Designed for Men by Caroline Criado Pérez,
followed by a binging session of her podcast,
Visible Womenby Caroline Criado Pérez, and it
absolutely blew my mind just how lacking the
inclusivity of women is in all aspects of life.
Womenacrosstheworldarefullyawareofwomen-
centric problems, from watching your every move
and behaviour in public and private spaces to
our health concerns being brushed off even by
healthcare providers.
Editor's Letter
3 SPENDERRIFIC / Know When and Where to Spend
But it's got potential written
all over it.
Advertise here and let your
brand be its success story!
This ad space
might be empty!
Inquiries: hello@spenderrific.com Website: www.spenderrific.com
CONTACT US
5 SPENDERRIFIC / Know When and Where to Spend
SPENDERRIFIC / Know When and Where to Spend 6
Solo Female Travel
Embracing Solo Adventures as a Woman
Traveling solo as a woman—there's something
simultaneously thrilling and terrifying about the
prospect.Theinitialfear,thequestioningglances,
and the societal norms that have conditioned
women to believe that adventures are best
undertaken in groups are the barriers we aim to
dismantle.
Yes, acknowledging the fear is necessary. It is
okay to feel apprehensive about venturing into
the unknown alone. Yet, it is precisely this fear
that transforms into liberation once you step out
of your comfort zone.
By stepping out on your own, you are not merely
moving geographically; you are redefining
boundaries and challenging stereotypes. Each
trip you take is a chapter of fearless exploration,
whereeverydecision—fromthestreetyouwander
down to the strangers you might befriend—is
yours to make. Let’s take a closer look at the key
benefits of adventures as a woman.
Building Confidence
Solo travel throws you headfirst into unfamiliar
territory, forcing you to navigate new situations
and problem-solve independently. Imagine
reading a complex train schedule in a foreign
language, bargaining with street vendors in a
bustling marketplace, or confidently asking for
directions in a remote village.
Each successful encounter builds self-reliance
and a sense of "I can do this" that overextends
the travel experience.
Self-Discovery
Traveling solo allows women to shed societal
expectations and truly connect with themselves.
Unburdenedbythedynamicsofgrouptravel,solo
adventurershavethefreedomtoexplorepersonal
interests and passions without compromise.
Picture yourself spending extra time at a pottery
workshop in Marrakech, indulging in a silent
meditation retreat in Bhutan, or taking on a
challenging solo hike through Patagonia—
experiences that might be less appealing or
feasible when traveling with others.
This immersion in personal interests fosters self-
awareness and a deeper understanding of one's
values and desires.
Unbridled Freedom
Solotravelgrantswomenunparalleledautonomy
overtheirtravelexperience.Thistranslatestothe
freedom to explore hidden gems off the beaten
path, delve deeper into specific interests, or
simply indulge in the luxury of spontaneous
exploration.
This ability to create a schedule that revolves
solely around your desires fosters a sense of
liberation and empowers women to define their
own travel narrative.
Building Connections
Contrary to popular belief, solo travel can be a
breeding ground for unexpected friendships.
Unbound by a pre-existing group, solo female
travelers are naturally more open to connecting
with others.
Shared experiences, like navigating a busy
marketplace or exploring a historical landmark,
can spark conversations and forge genuine
connections.
7 SPENDERRIFIC / Know When and Where to Spend
Additionally,hostels,guesthouses,andorganized
tours specifically designed for solo travelers
often foster a sense of community, providing
opportunities to meet like-minded women from
around the world. These newfound connections
can not only enrich the travel experience but also
create a global network of support and lasting
friendships.
But the benefits of solo female travelers aren’t
confined to women only. Companies, specifically
those in the travel industry, stand to gain greatly.
The travel industry holds immense potential as a
catalyst for economic empowerment, and solo
female travel is no exception.
Encouraging women to explore the world solo
translates into increased demand for various
travel-related services, from accommodations to
transportation and cultural experiences.
Despite these advantages, solo female travelers
continuetofacechallengesduetoalackofindustry
inclusivity. Companies can play a pivotal role in
inspiringinclusionbyimplementingstrategiesthat
address the specific concerns and preferences of
female travelers.
Safe Accommodations and Transportation
Key among these is safety. While solo female
travelersareadvisedandalwaystakethenecessary
measures to stay safe, companies in the industry
must take the initiative to ensure the safety of
women travelers.
Accommodation options like single rooms with
secure locking mechanisms and well-lit common
areas are crucial. This should also go beyond
investing in high-end surveillance equipment.
Simplegesturessuchasescortingtravelerstotheir
rooms and ensuring the security of the room or
simply pointing at their room number rather than
saying it out loud for all and sundry to hear can go
a long way in making female travelers safe.
Additionally, destinations with clear signage,
readily available public transportation, and well-
trained tourism staff who understand female
travelerneedscontributesignificantlytoasafeand
comfortable experience.
Tailoring Experiences to Female
Preferences
Travel companies can offer tours and activities
specifically designed for women travelers. This
is not a new phenomenon, with numerous tour
operators already offering travel packages for
group and solo female travelers only.
Besidesthese,companiescanimplementwellness
offerings, female-friendly group activities, and
networking opportunities, which can significantly
enhance the appeal of travel for women.
Additionally, homestays with local female hosts
can also offer cultural immersion. These strategies
foster a sense of security, community, and shared
experiences.
Inquiries: hello@spenderrific.com Website: www.spenderrific.com
CONTACT US
SPENDERRIFIC / Know When and Where to Spend 8
It secretly wants to be
a billboard when it
grows up.
Advertise here and
make its dream
come true!
Blank space
confession
SPENDERRIFIC / Know When and Where to Spend 10
F*** You Fund:
A Woman's Blueprint for
Financial Resilience
It is the year of our Good Lord 2024, and women
arestillfightingforequality,beitintheworkplace,
at home, and in society.
The fact that women have been seen and treated
as lesser beings is no secret. You don’t have to
look very far to see all the signs.
Inyourworkplaceorindustry,forexample,what’s
the pay disparity between male and female
workers, assuming both possess the same level
of education, skills, and experience? What’s the
composition of the upper management? Are
women penalized for trying to balance career
and family? Or does the employer offer better
parental leave benefits not just for the mother but
for fathers as well?
It’s just a little over a month since women in Kenya
took to the streets to demonstrate against the
ever-rising rates of femicide. Since then, there
have been more femicide events, reported and
unreported.
A significant percentage of these are committed
by intimate partners and
family members. Most of
thetime,it’sjustbecausethe
womandaredtostandupfor
herself,say‘NO’,andwalkaway
from an abusive relationship.
This inequality isn't just
emotionallytaxing;ithastangible
financial consequences that limit
our options and stifle our potential.
But why can’t women just leave?
There are, of course, other factors that keep
women from walking away from such conditions,
like the fear about their safety. But there’s one key
factor we cannot brush aside, the lack of financial
security.Withoutthefinancialmuscletoknowthey
can easily say ‘Fuck You’, walk away, and never
havetoworryaboutpayingthebills,manywomen
continue to be stuck in these situations.
That's where the F*** You Fund comes in.
Think of it as more than just a swear jar for bad
bosses, toxic families, and abusive partners. A
F*** You Fund is a woman's path to financial
independence and true agency.
It's the freedom to walk away from any situation
that compromises your safety, dignity, mental
health, career progression, or dreams – whether
it's a toxic workplace, a harmful relationship, or
the soul-sucking grind of dead-end work.
ToquoteFrankfromtheTheGamblerfilm,played
by John Goodman:
“Somebody wants you to do something, fuck
you. Boss pisses you off, fuck you! Own your
house. Have a couple bucks in the bank… A
wiseman'slife(orwomaninthiscase),isbased
around fuck you.”
But this isn't just about survival; it's also about
thriving.AF***YouFundgivesyouthepowerto:
Pursue Your Passions
You are allowed to launch that business, take that
sabbatical, and say "yes" to the adventure your
heart calls for.
For too long, societal expectations, often more
11 SPENDERRIFIC / Know When and Where to Spend
pronounced for women, have dictated career
choices and life paths. We've been told to follow
traditional routes, prioritize stability over personal
fulfillment, and downplay our aspirations.
This stifling environment can create a disconnect
between who we are and what we truly desire,
impacting our overall sense of well-being and
fulfillment.
TheF***YouFundenablesyoutochallengethese
societal norms and pursue your passions with
confidence.Itactsasasafetynetthatallowsyouto
take calculated risks such as exploring new career
paths or ventures without the crippling fear of
financial insecurity.
A woman can confidently leave a secure but
unfulfilling job to pursue a lifelong entrepreneurial
dream,knowingshehastheresourcestonavigate
the initial challenges.
Command Respect
Traditionally,societalnormshaveoftenpositioned
womeninadynamicwheretheymaybeexpected
to prioritize collaboration and compromise over
assertive self-advocacy, potentially leading to
situationswheretheircontributionsgoundervalued
or their voices are not fully acknowledged.
This can manifest in various ways, such as your
salary discrepancies for comparable work or
underrepresentation in leadership roles.
With a F*** You Fund, you can command respect
thanks to the confidence it equips you with to
negotiate and the choice to walk away.
Financial security fosters self-assurance, which
enables you to confidently negotiate for fair
compensation, better working conditions, or
desired career opportunities.
When you find yourself in an environment where
contributions are undervalued or you face unfair
treatment, the F*** You Fund provides the critical
resources to walk away from such a situation
without succumbing to financial pressure.
This ability to make independent choices fosters
self-respect and sends a powerful message to
potential employers or collaborators.
Invest in Yourself
Investing in oneself is very important for both
personal and professional growth. However, due
to societal pressures and the juggling act of
managing various responsibilities, women often
prioritize the needs of others over their own self-
development.
SPENDERRIFIC / Know When and Where to Spend 12
This can lead to feelings of stagnation, unfulfilled
potential, and a disconnect between personal
aspirations and professional realities.
However, a F*** You Fund affords you the
opportunity to prioritize self-investment. You
can use this fund to finance various forms of
self-investment, such as attending professional
development workshops, pursuing additional
education or certifications, or seeking therapy
or coaching services to address personal or
professional challenges.
Theseinvestmentsenhanceyourskillset,knowledge
base, and emotional well-being, ultimately
contributing to greater career opportunities,
improved work performance, and personal
satisfaction.
Your F*** You Fund should not be confused
or substituted by an emergency fund. On the
onehand,anemergencyfundisasavingskittyyou
build to cover unexpected life surprises–job loss,
health issues.
A F*** You Fund, on the other hand, is your
intentional escape hatch. It's about exercising
choice, not merely surviving a crisis.
How can you build your F*** You Fund?
Startbysettinganumber.Whatamountwouldfree
you up for 3 months? 6 months? A year? 5 years?
15 years? 30 years?
Whateverperiodyouhaveinmindwilldependon
your cost of living and risk tolerance.
To calculate this amount, consider the
monthly or annual amount you need to
pay for necessities, debts, and potential
unexpected circumstances. Then, multiply
that amount by the number of months or
years you’ve settled on.
Forinstance,ifIneededamonthlyamountof
KSh.100,000($~680),whichcanfreemeup
for 2 years, I would need to build a F*** You
FundofKSh.2.4M(~$16,318),i.e.,24*KSh.
100,000.
Your next step is to choose the right place to pack
your funds. You should aim for a liquid account
that offers quick access to your funds. However,
ensure that it also provides you with adequate
interest return that beats inflation so your money
doesn’t lose value.
You should also consider automating savings in
yourF***YouFundtoensureconsistencywithout
the temptation to divert funds elsewhere.
Besidessaving,exploreinvestmentopportunities,
ensuringdiversificationindifferentassetclasses,to
enhance the fund's growth potential.
What’s your F*** You Fund amount?
Enid Kathambi
Editor in Chief
I am a Certified Financial Analyst
and Educator with a passion for
helping people achieve their financial
independence without enduring
the everyday jargon of finance and
investments.
Website: www. enidkathambi.com
Email: info@enidkathambi.com
LinkedIn: Enid Kathambi
Tiktok: @enidkathambi
13 SPENDERRIFIC / Know When and Where to Spend
Warrior
Workation
SPENDERRIFIC / Know When and Where to Spend 14
Tech Essentials for
Staying Productive
on the Road
Vacationing while working, or "workation," is
becoming a thing, especially for those who prefer
to work in a beach cabana with Wi-Fi rather than
sit in a traditional office cubicle.
Staying productive while on the road requires
some essential tech gear that acts like a toolbox
empowering you to work anywhere, from a cozy
café corner to a bustling city square.
Finding the right technology can be confusing,
though. You don't want to carry a suitcase filled
with every possible gadget, but you also don't
want to miss that one crucial device that can save
the day.
The right tech gear can make all the difference,
whether you're an experienced digital nomad or
just starting out.
Imagine typing away on a keyboard that feels so
right under your fingertips or joining a video call
with crystal clear audio even with background
noise. That's the level of productivity you should
aim for, and it's not just about the big-ticket items
like laptops or tablets.
The little things matter too, like a portable charger
that keeps your devices powered up or noise-
canceling headphones that let you focus.
Here are some essential tech gears that you must
pack to work while you're on vacation:
1. High-Performance Laptops: You need a
laptop with a robust processor, long battery life,
and lightweight design. The Apple MacBook Air
and Dell XPS series offer both performance and
portability.
2.PortableChargers&PowerBanks:Keepyour
devicespoweredupwithaportablecharger.Look
foroptionsliketheAnkerPowerCoreorRAVPower
series, known for high capacity and fast charging
capabilities.
3.ReliableMobileHotspots:Stayingconnected
is crucial. Devices such as Verizon's Jetpack or
SkyroamSolisprovideWi-Fionthegowithvarious
data plans to suit your needs.
4. Noise-Cancelling Headphones: For focus in
noisyenvironments,investinqualityheadphones.
The Sony WH-1000XM4 and Bose QuietComfort
series are favorites for their superior noise
cancellation and audio clarity.
5. Productivity Apps & Tools: When you're on
the go, staying connected and efficient can be
tough.Therightmixofproductivityappsandtools
can make all the difference.
a. Collaborative Platforms: Slack keeps you in
the loop with instant messaging and file sharing
capabilities, while Trello offers a visual task
Fat-hi Said
Creative Director
15 SPENDERRIFIC / Know When and Where to Spend
managementexperience,lettingyouorganizeyour
projects with boards, lists, and cards.
b. Time Management Apps: Toggl is a game-
changer with a user-friendly interface for time
tracking, while RescueTime helps you understand
your daily habits so you can focus and be more
productive.
c. Offline Access Solutions: If you don't have
continue working on your documents.
Evernote provides a place to store your notes,
accessible with or without connectivity.
Making the Most of Your Workation: A
Balanced Approach
Now that you've equipped yourself with the right
tech gear, it's crucial to strike a balance between
workandrelaxationduringyour"workation."Here
are a few tips to make the most of your time:
i. Set Boundaries: Establish clear work hours to
avoid burnout. Communicate these boundaries
with your team and clients, ensuring everyone is
on the same page.
ii. Explore Your Surroundings: Take advantage
of your new work environment. Whether it's a
beach, mountain retreat, or bustling city, make
time to explore and experience the local culture.
iii. Stay Connected: While focusing on work,
don't forget to stay connected with loved ones.
Schedule virtual calls, share your adventures, and
maintain a healthy work-life balance.
iv. Embrace Flexibility: One of the perks of
workationisflexibility.Embraceitbyadjustingyour
workscheduletoalignwithpeakproductivitytimes
and allowing room for spontaneous adventures.
While this lifestyle presents its challenges,
it provides an opportunity to create a work
environment that not only fulfills professional
demands but also enhances personal well-being.
As you embark on your workation journey, equip
yourself with the essential tools and adopt a
mindsetthatwelcomesthefreedom,flexibility,and
joy that the workation lifestyle promises.
Headphones aren't just
noise-canceling, they're
workation-enabling.
SPENDERRIFIC / Know When and Where to Spend 16
2024 International
Women’s Day Reads:
Book Recommendations by and About
Inspiring Women by Spenderrific
International Women’s Day, an
annual global event celebrated on
8th March recognizes the social,
economic, cultural, and political
achievements of women.
The day also marks a call to action for
acceleratinggenderparityandaddressing
the challenges women continue to face
around the world.
IncelebratingIWD2024,we’vecompiled
a short list from our Chief Editor’s library
of book recommendations by and about
inspiring women.
17 SPENDERRIFIC / Know When and Where to Spend
1. Invisible Women: Data Bias in a World
Designed for Men by Caroline Criado Pérez
We live in an age where data is king. Yet, when it
comes to women, a lot of data is lacking. This thought-
provoking book exposes the hidden ways data can be
biased against women. Pérez unveils how seemingly
neutral data sets based on male experiences can
disadvantage women in areas like healthcare, urban
planning, and workplace policies. It's a crucial read for
understanding the systemic challenges women face
and advocating for change.
3. Why Women Are Poorer Than Men and What
We Can Do About It by Annabelle Williams
It’s not just about the gender pay gap when it comes
to the wealth gap. In Why Women Are Poorer Than
Men and What We Can Do About, Annabelle Williams
exploresthecomplexeconomicfactorsthatcontribute
to the gender wealth gap. From the tampon and the
pink tax to career breaks for caregiving, and a lack of
accesstofinancialresources,makingitanempowering
read for those seeking to address gender-based
economicdisparities.Towardtheend,Annabelleoffers
practical solutions to equip women to take control of
their financial future.
2. The Sex Lives of African Women by Nana
Darkoa Sekyiamah
While topics about the sexuality of African women
arelargelyshunned,thisbookhasopenedthedoor
for honest and raw conversations. Nana Darkoa
Sekyiamah presents a collection of intimate stories
in "The Sex Lives of African Women," challenging
stereotypes and misinformation surrounding
African women's sexuality. Through these diverse
narratives, Sekyiamah emphasizes the importance
of acknowledging and celebrating the varied
experiences of African women. This eye-opening
book contributes to the broader discourse on
women's autonomy and sexual agency.
SPENDERRIFIC / Know When and Where to Spend 18
5. I Know Why the Caged Bird Sings by
Maya Angelou
ThispowerfulmemoirrecountsMayaAngelou's
childhood experiences of racism and abuse.
Thebookisapowerfulexplorationofresilience,
self-discovery, and triumph over adversity.
Angelou's prose is poignant and unflinchingly
honest, inspiring courage and self-discovery,
makingthisbookaclassicforreadersofallages.
6. Winnie Mandela: A Life by Anné Mariè
du Preez Bezdrob
This biography chronicles the extraordinary
life of Winnie Mandela, a South African anti-
apartheid activist and former wife of Nelson
Mandela.Itexploresherunwaveringdedication
to fighting for justice and her complex journey
as a woman navigating the political landscape.
Winnie Mandela: A Life serves as an inspiration
foranyonefightingforsocialchangeandgender
equality.
7. Becoming by Michelle Obama
"Becoming"offersreadersanintimatelookinto
the life of Michelle Obama, from her humble
beginnings to becoming the First Lady of
the United States. It offers a glimpse into the
challenges and triumphs of navigating public
lifewhilemaintainingfamilyandpersonalvalues.
Obama's story serves as an inspiration for
women in any field to dream big and strive for
excellence.
4. Think Like a Breadwinner: A Wealth-
Building Manifesto for Women Who Want
to Earn More (and Worry Less)
Men have traditionally been the breadwinners.
But times have changed, and many women
have picked up the mantle. Still, a significant
number of women don’t think of themselves as
breadwinners or are being taught to think like
breadwinners.
In this book, the author encourages women
to take charge of their financial futures. With
practical advice and real-life stories, Barrett
dismantles stereotypes and encourages women
to embrace their roles as earners.
Barrettgoesbeyondbudgetingtoofferactionable
strategiesfornegotiation,investing,andbuilding
long-term wealth. This book is a must-read
for those seeking financial independence and
equality.
19 SPENDERRIFIC / Know When and Where to Spend
The magic is
in the people!
Recruit leaders
who genuinely
value diversity
and inclusion.
“
Brenda Mwirigi
Procurement Practioner and Trainer
I am a certified Procurement Practioner and
Trainer with over a decade experience. I
have core interest in helping organizations
achieve value for money through Supply
Chain, ERP user interface and mentoring.
Drop me an email to book an appointment.
Email: mwirigibrenda@gmail.com
LinkedIn: Brenda Mwirigi
Tiktok: @miss.mwirigi
SPENDERRIFIC / Know When and Where to Spend 20
Every morning, I am met with a chorus of diverse
voices — greetings from colleagues and other
collaboratorsfromvaryingbackgrounds—fuelingmy
everyday life with their unique perspectives.
Priviet! Marhaba! Ni hao! Good morning!
Jambo!Habariyenu!Hola!Konichiwa!Cava!
Namaste! Habibi! Gal! Bro! Whatsup!
Every day, I am reminded of the importance of
diversityandinclusionintheworkplacethroughthese
interactions that go beyond greetings. It has proven
how a diversified and inclusive team helps transform
businesssolutions,thanksinparttotheteam’svaried
and unique experiences, ideas, and creativity.
Thisachievement,however,doesnotcomebychance.
It is fueled by an organization's effort to embrace
inherent and acquired diversity. Inherent diversity
includes factors like gender, sexual orientation,
ethnicity, and age.
Acquired diversity encompasses experiences, skills,
and perspectives gained through education, work,
and life.
By intentionally seeking both inherent and acquired
diversity,organizationscancreatearichertalenttool.
Empowering
Women in Supply
Chains:
Strategies for Building
Diverse and Inclusive Teams
21 SPENDERRIFIC / Know When and Where to Spend
There is improved decision-making through
inclusive teams from a broad range of viewpoints.
Itimprovesemployeeengagementandsatisfaction
from feeling included and valued- which fosters a
sense of belonging and pride in the workplace.
We also get to attract top talent from the wider
pool of candidates because talented individuals
seek out inclusive workplaces.
Additionally,thereismarketrelevancewhichhelps
companies create products and services that
resonate with global audiences.
Clearly,embracingdiversityandfosteringinclusion
isn’t just a moral imperative; it is a strategic
advantage for any organization's success.
However,manyorganizationscontinuetostruggle
withinherentdiversity.Forexample,theinclusivity
of women in the supply chain is still lacking with
recentdatashowingaratherregressiveratherthan
progressive outcome.
This underrepresentation within a critical sector
represents a missed opportunity for organizations
seekingsuccessintoday'scompetitivelandscape.
This year's International Women's Day theme,
"Inspire Inclusion," compels us to move beyond
mere representation and foster environments
where women in supply chains thrive.
Here are some effective strategies for building
diverse and inclusive teams:
Make it a continuous process
Diversity isn’t just a one-time initiative, it’s an
ongoing commitment. It is good to have diversity
and inclusion ingrained in a company culture from
the start.
Companies should regularly assess and improve
practices to maintain an inclusive environment.
Hire leaders who understand the
importance of diversity
The magic is in the people! Recruit leaders who
genuinelyvaluediversityandinclusion.Leadersset
the tone for the entire for the entire organization.
When leaders prioritize inclusivity, it permeates
throughout the company.
Ensure pay equity and fair compensation
Thegenderpaygappersists,withreportsshowing
a lack of equity and fair compensation has led to
mid-career women in the supply chain leaving in
search of competitive compensation packages.
To ensure equity and fair compensation for a
more inclusive workplace, regularly review pay
Trust is influenced by employees’ experience
in the workplace.
Trust can be earned through transparency,
fairness, and consistent actions.
SPENDERRIFIC / Know When and Where to Spend 22
structures, compare employees based on similar
work, and ensure gender and race-based pay
equity.
Fair compensation promotes retention and
motivates employees to stay committed.
Create inclusive facilities
True inclusivity of women in the workplace
necessitates fostering an environment where they
feel welcome, safe, and empowered to thrive.
Offering prayer rooms and smoking zones, non-
gendered restrooms, and facilities for persons
with a disability demonstrates respect for diverse
religious and gender identities.
Lactation spaces create a supportive environment
for working mothers and friendly parental leave
policies foster work-life balance and support new
parents.
Beyond this, addressing safety and security
concerns can help alleviate such concerns by
women.
Arrange safe and reliable transportation options,
especially for late-night shifts or work in remote
locations.
While there was an increase in the number of women in the C-level positions to 19% up from
15% in the same years, there was a decrease in VP roles to 21%, down from 39%.
23 SPENDERRIFIC / Know When and Where to Spend
Second, ensuring all work areas are well-lit,
maintained,andequippedwithsecuritymeasures
for everyone's safety.
Employees must also be educated on identifying
and reporting harassment and discrimination, to
helpfosterasafeandrespectfulworkenvironment.
Acknowledge holidays of all cultures
It is important to recognize and respect religious
holidays that may not be officially observed by the
company and accommodate employees’ needs
during these times.
Building diverse teams is essential, but it comes
with its share of challenges.
Address communication inclusivity
Diverseteamsmayfacecommunicationissuesdue
todifferentinterpersonalstyles.Thiscanbesolved
by fostering open communication, encouraging
activelistening,andprovidingtrainingoneffective
communication.
Establishsafeandaccessiblefeedbackchannelsfor
women to voice concerns, offer suggestions, and
provide feedback without fear of reprisal.
Implement inclusive decision-making
frameworks
Diverseteamshavenumerousopinions,whichcan
lead to ignored opinions and a slower decision-
making process.
Whatcanbedoneaboutthis?Implementinclusive
decision-making frameworks, encouraging active
and respective listening, consensus building, and
setting clear timelines.
Build trust
Trust is influenced by employees’ experience
in the workplace. Trust can be earned through
transparency, fairness, and consistent actions.
Encourage team-building activities and
collaboration. Establishing clear consequences
for unacceptable behavior.
Implement training programs that raise awareness
of unconscious biases and equip employees with
tools to mitigate them.
Address discrimination
Stereotyping and discrimination can hinder team
dynamics. Prevent discrimination by promoting
awareness,addressingbiases,andenforcingzero-
tolerance policies.
Create safe and accessible channels for reporting
discriminatory incidents, ensuring they are
investigatedthoroughlyandaddressedswiftlywith
appropriate consequences.
Tackle barriers to diversity implementation
Organizationsmayencounterresistancetochange
or inertia when implementing diversity initiatives,
particularlythosefocusedonwomeninthesupply
chain.
To overcome these barriers create a supportive
environment,involveleadership,andcommunicate
the benefits of diversity.
Buildingdiverseandinclusiveteamsisn’tjustabout
ticking boxes- it is about creating an environment
where everyone feels valued, respected, and
empowered to contribute their best.
Happy International Women's Day!!
SPENDERRIFIC / Know When and Where to Spend 24
25 SPENDERRIFIC / Know When and Where to Spend
Haveyoueversatatanegotiationtablefeelinglike
your voice wouldn't be heard? You're not alone.
It happens to many people regardless of their
gender. However, when it comes to women, the
odds are ever so stacked against us.
Research has shown women are less likely to be
offered positions when they negotiate for better
pay. Data also shows that women who negotiate
aremorelikelytobeliedtocomparedtotheirmale
counterparts.
As a woman in the supply chain sphere, I have
learned over the years that effective negotiators
draw power from various sources, allowing them
to influence the negotiation process.
Because negotiation plays a crucial role in
achieving successful outcomes at the bargaining
table,wemustlearntoharnessitspoweraswomen
if we are to take our seats at the tables. From
getting the salary and benefits you deserve at the
workplace to securing contracts and partnerships
for your businesses and other endeavors.
The Power of Negotiation
Strategies for Women to Secure Contracts and Partnerships
By Brenda Mwirigi - Procurement Practioner and Trainer
SPENDERRIFIC / Know When and Where to Spend 26
Here are some strategies that can empower
women to secure contracts and partnerships:
Know Your Worth
Understand your value and the contributions you
bringtothetable.Researchindustrystandardsand
paybenchmarkstoensureyou’renegotiatingfrom
an informed background.
Overcome Gender Bias
Women sometimes face bias in negotiations.
Recognize you might be perceived differently
basedongenderstereotypes.Beassertivewithout
fearing backlash.
Prepare Thoroughly
Adequate preparation is key. Gather information
about the negotiation context, your counterpart,
and potential outcomes. The more you know, the
better you can navigate the process.
Practice Confidence
Confidence matters. Practice assertiveness and
self-assuredness. Remember that negotiation is
notaboutbeingaggressive,itisaboutadvocating
for your interests.
Build a Support Network
Establish women’s mentoring groups to connect
with high-status colleagues. These networks can
provide guidance, boost confidence, and open
doors to career opportunities.
Leverage Your Strengths
Women often excel in empathy, active listening,
and collaboration. Use these strengths to build
rapport and find mutually beneficial solutions.
Negotiate for Others
Research suggests that women may feel more
comfortable advocating for others than for
themselves.Usethiscommunalbehaviortonarrow
the gender gap in negotiated outcomes.
Shared Core Values
Look for overlapping core values with your
potential partners. Shared values create a strong
foundation for collaboration and trust.
Apply the Win-Win Criteria
Establish a criterion where both parties can win.
Negotiate terms that benefit everyone involved,
rather than focusing solely on individual gains.
Conduct Partnership Audits
Regularly assess your partnerships. Are they
still aligned with your goals? Are there areas for
improvement or expansion?
Assemble the right team
Ensure you have the right team involved in
negotiations. Their expertise and authority go a
long way.
Product Demonstrations
Show your product or service in action. Visual
demonstrations can be powerful in conveying
value.
Be Patience
Take your time. Rushing negotiations can lead to
suboptimal outcomes. Be patient and thorough.
Successful contracts and partnerships are built on
trust, alignment, and effective communication.
Choose strategies that resonate with your specific
context and goals.
Negotiation is not about winning or losing- It is
aboutfindingcommongroundandcreatingvalue.
By mastering negotiation strategies, women can
confidently secure contracts, partnerships, and
career advancements.
27 SPENDERRIFIC / Know When and Where to Spend
Beyond the Tread:
Women in the Auto Industry
in Kenya
For too long, the auto scene has been a boys' club,
butguesswhat?Womenarenotjustridingshotguns;
they're taking the wheel and changing the game.
Still,thereisnodenyingthatthegendergappersists.
The underrepresentation of women remains a
prevalentissue,hinderingnotjusttheempowerment
of women but also the industry's full potential.
To inspire inclusion, we must first recognize the
numerous talented and capable women already
contributing to the auto sector in Kenya. From
engineers and designers to marketing professionals
and executives, women are making significant
strides in various aspects of the industry.
Highlighting these success stories serves as a
catalyst for change, dispelling preconceived
notions about the role of women in traditionally
male-dominated fields.
One such woman is Mercy, who has spent the
last nine years dedicated to the industry, rising
through the ranks and achieving a level of
success that is nothing short of inspiring.
Startingwithnopriorexperienceintheindustry,
she credits Sameer Africa PLC, the then sole
tyre manufacturer in the country and region, for
nurturinghertosurviveandthriveinthisdynamic
industry.
Throughout her journey, she has accumulated a
series of achievements that underscore her
SPENDERRIFIC / Know When and Where to Spend 28
Most recently, she was appointed Branch Manager
at Oriel Kenya, where she exhibited unparalleled
leadershipinsales,operations,andcustomerservice.
Her strategic acumen and ability to drive teams to
exceed targets resulted in growth in sales within a
year.
Academic Excellence: Mastering Strategic
Management
Parallel to her career, she earned a Master's in
Business Administration with a specialization in
StrategicManagementfromtheUniversityofNairobi,
showcasing her commitment to continuous learning
and equipping her with advanced strategic insights.
Mercycreditshereducationanddesireforcontinuous
learning and development as key players to her
experience and success in the industry. Her advice
to women is to never stop learning.
“There is no greater pillar of stability than a strong,
free, and educated woman.” - Angelia Jolie
Challenges Beyond the Gender Gap
Her journey in the automotive industry has not been
withoutitschallenges.Whilestrideshavebeenmade
to encourage gender diversity in the automotive
sector, she notes that it is important to recognize
other challenges that women face beyond the
glaring gender gap. Pointing out some of the main
challenges she has faced in the industry, Mercy also
impact, including designing management
tools that saved companies substantial funds,
contributing to regional expansion strategies,
and consistently surpassing sales targets as an
award-winning customer service advisor.
Early Years: Nurturing a Passion for
Excellence
Heracademicfoundation,includingaBachelor's
degreeinCommercewithafocusonOperations
Management from the esteemed University of
Nairobi, and a Diploma in International Relations
&DiplomacyatTheKenyaPolytechnic,werejust
the beginning of her journey.
Inherearlyyears,sheservedasanAdministration
Officer, where she honed her organizational
skills, overseeing office activities, supervising
administrative staff, and managing inventory
transactions. Her role extended to fleet
logistics, ensuring the seamless scheduling and
maintenance of a school bus fleet. It is through
her role in logistics fleet management that her
interest in the auto sector, specifically the tyre
industry was piqued.
Gaining Footing in the Auto Sector
Joining Sameer Africa Plc as the Country
Operations Coordinator, she swiftly became
the backbone of administrative and operational
support for its 15+ tyre retail centers. Her
responsibilities included monitoring resource
needs, supplier management, and ensuring
repairs and maintenance aligned with policies.
Her keen eye for detail and dedication to
objectives made her an indispensable asset.
Rising through the ranks, she assumed the role
of Market Research & Information Officer and
playedapivotalroleinenhancingthecompany's
understanding of the market and ensuring a
customer-centric approach. She spearheaded
market research initiatives, customer satisfaction
surveys, and coordinated marketing events.
29 SPENDERRIFIC / Know When and Where to Spend
mentions strategies that companies in the industry
can implement to ensure inclusivity.
Societal stereotypes and perceptions, for
instance, continue to create an uphill battle for
women trying to break or grow in the industry,
thanks to the skepticism about their technical
abilities or suitability for certain roles.
Companies can counter these preconceived
notions through collaborations with educational
institutions and initiating outreach programs.
Byprovidingexposuretothediversecareerswithin
the automotive sector, these programs can break
down traditional gender stereotypes and inspire
youngwomentoconsiderpursuingcareersinfields
historically dominated by men.
Limitedaccesstoopportunitiesalsocontinuesto
hindertheempowermentandinclusionofwomen.
Despitetheirqualificationsandskills,womeninthe
automotiveindustrymayfacechallengesaccessing
the same opportunities as their male counterparts.
Thiscouldrangefrombeingexcludedfromcertain
projects to facing subtle biases during the hiring
process.
The auto industry, like many others, is not immune
to issues of workplace harassment and
discrimination. Women may encounter subtle
or overt forms of gender-based discrimination,
ranging from biased treatment to inappropriate
comments.
Companies must establish and enforce stringent
anti-harassment policies, fostering a culture that
promotes respect and equality.
Juggling work and family responsibilities
remains a significant challenge for women
everywhere, including in the automotive industry.
The demanding nature of certain roles, combined
with societal expectations, can create hurdles
for women aiming to maintain a healthy work-life
balance.
Implementing family-friendly policies and flexible
work arrangements is vital to addressing this
challengeandsupportingtheprofessionalgrowth
of women in the industry.
The scarcity of women in leadership positions
combined with insufficient mentorship and
networkingopportunitieswithintheautomotive
sector contributes to a lack of visible role models
and career development opportunities.
Withoutrepresentationatthetop,aspiringfemale
professionals may struggle to envision a clear
career trajectory.
Initiatives that actively promote and support
women in leadership roles in the industry are
essential for breaking down this barrier and
inspiring the next generation of female leaders.
Establishing structured mentorship programs and
networking opportunities can provide women
with valuable guidance, helping them navigate
challenges, set career goals, and build a network
of support within the industry.
Mercy Akoth Omwakila
Growth & Expansion Strategies
LinkedIn: Mercy Omwakila
SPENDERRIFIC / Know When and Where to Spend 30
31 SPENDERRIFIC / Know When and Where to Spend
Heatwaves
and Heartfelt
Connections
Zarika's tale of resilience
in a land of heatwaves and
heartfelt connections
Have you ever wondered what it's like to work in a
foreign country?
The challenges, the culture shock, the cuisine, and
the people? Well, today I want to share with you my
experience working in the Middle East.
My experience is a mix of challenges, surprises, and
appreciation.
Climate
Coming from Nairobi, where the weather is cool, I
found it hard to adapt to the hot and arid climate in
the Middle East. But eventually, I got used to it and
learned to appreciate the beautiful sunny days.
Exploring the beaches and deserts in the region
was definitely a highlight for me. However, the hot
weather was a challenge, and I had to find ways to
cope with it. I made sure to stay hydrated, wear light
Zarika Wambui
Quality Control Inspector
SPENDERRIFIC / Know When and Where to Spend 32
clothing, and avoid going out during the hottest
hours of the day.
Language Barrier
The language barrier was also a challenge. Most
people in the country spoke their local language,
which made communication difficult at first.
However, with time, I learned a new language,
which made it easier to communicate with my
fellow co-workers. I also took language classes,
which helped me to improve my communication
skills and connect with the locals.
It was a great opportunity to learn a new language
and explore the culture.
Cuisine
Cuisine was another significant challenge for me.
The foods were all imported and frozen, and the
fruits were not as fresh as I was used to. However, I
learnedtoappreciatetheArabiccuisine,especially
Rotti and humus.
I also learned to cook some of the local dishes,
which was a great opportunity to explore the
culture and cuisine. I made sure to try new foods
and learn about the local ingredients used in their
preparation.
People
Despitethechallenges,Ifoundsomeofthepeople
inthecountrytobewelcomingandeasytointeract
with.Theywerealwaysreadytohelpoutwhenever
I was stuck and needed help, both at work and at
home.
I made new friends and learned a lot about the
culture and traditions of the region. I also joined
socialclubsandgroups,whichhelpedmetomeet
new people and learn more about the country.
Infrastructure
I also appreciated the country's infrastructure,
whichwashighlydeveloped.Thehospitals,roads,
and working areas were all top-notch. I also loved
thatthegovernmentgavewomentheupperhand
priority in the buses, trains, hospitals, and banks.
Womenwerehighlyregardedandrespectedinthe
country, making it a peaceful and safe place to live
and work. The country's infrastructure also made
it easy for me to navigate and explore new places.
Currency
Adaptingtoanewcurrencywasanotherchallenge
for me. However, I was delighted to learn that the
government cared about the employees and did
not tax our salaries.
Thisgavemefinancialfreedom,whichIappreciated.
I was also able to save a considerable amount of
money, which I used to travel and explore new
placesintheregion.Ialsomadesuretounderstand
the exchange rates and budget accordingly.
Career Growth
Working in a foreign country also gave me an
opportunitytogrowmycareer.Ilearnednewskills
and gained valuable experience working with
people from different backgrounds and cultures. I
wasabletoworkonchallengingprojectsandtake
onnewresponsibilities.Thisexperiencealsomade
me more adaptable, resourceful, and resilient.
Personal Growth
Working in a foreign country also helped me
to grow personally. I learned to be more open-
minded, patient, and understanding of different
cultures and perspectives. I also became more
independent and self-reliant, which helped me to
navigate challenging situations. I also learned to
appreciatemyowncultureandbackgroundmore.
Despite all the challenges and surprises, I had a
great experience. If you're planning to work in a
foreign country, be open-minded, patient, and
willing to learn.
33 SPENDERRIFIC / Know When and Where to Spend
Boss Babes
in Balance
Nutrition Hacks
for Busy, Working
Women on the Go
Balancing a hectic work schedule
with maintaining a nutritious diet
canbeachallengeforbusyworking
women. Between meetings,
emails,andmanagingalltheother
dailytasks,findingtimetoprepare
andeathealthymealsoftenfallsby
the wayside.
It'seasytoslipintotheconvenience
of fast food or to skip meals
altogether, but these habits can
lead to lower energy levels and
decreased productivity.
However, good nutrition is crucial
for sustaining energy, focus, and
overall health. You don't have to
compromise your well-being for
the sake of your busy calendar.
Therearesimplenutritionstrategies
that fit into the fast-paced lifestyle
of a working woman on the go.
With a few tweaks to your routine
and some savvy food choices,
you can fuel your body with what
it needs to thrive even on your
busiest days.
Implementing small, practical
changes to your eating habits can
SPENDERRIFIC / Know When and Where to Spend 34
Desk-Friendly Workouts: Staying Active
during Office Hours
The sedentary nature of desk jobs can contribute
to issues such as muscle stiffness, reduced
circulation, and overall physical fatigue.
That'swhyit'simportanttoincorporatemovement
into your work routine.
Here are a few desk exercises and stretches to
combat sedentary work hours:
1. Chair dips - Sit on the edge of your chair with
your hands on the seat. Slide your body forward
and lower yourself down until your elbows are at
a 90-degree angle. Push back up to the starting
position and repeat.
2. Seated leg raises - Sit up straight with your feet
flat on the ground. Lift one leg up and hold it for
10 seconds before lowering it down. Repeat with
the other leg.
3. Neck stretches - Tilt your head to the left and
hold for 10 seconds. Repeat on the right side.
have a significant impact on your energy and well-
being. This doesn't mean overhauling your entire
diet overnight.
Instead, it's about making smarter choices that
work with your schedule. Opting for whole,
nutrient-richfoods,stayinghydrated,andplanning
ahead are just a few ways to ensure that, no matter
how packed your schedule gets, your nutrition
doesn't take a backseat.
Fueling Your Day: Quick and Nutrient-Rich
Breakfast Ideas
You've probably heard that breakfast is the most
important meal of the day, and it's true! Starting
your day with a nutritious breakfast can help you
stay focused and energized throughout the day.
Here are a few quick and easy breakfast ideas that
are perfect for busy mornings:
1. Overnight oats with nuts and berries - Combine
rolled oats, almond milk, chia seeds, and honey in
ajar.Topwithmixednutsandberriesandleaveitin
thefridgeovernightforaquickandeasybreakfast.
2. Avocado toast with egg - Toast a slice of whole-
grain bread and top it with mashed avocado. Add
a poached egg and sprinkle with salt and pepper.
3. Breakfast burrito - Scramble eggs with spinach,
diced tomatoes, and black beans. Wrap the
mixture in a whole-wheat tortilla and enjoy.
Smart Snacking at the Office: Boosting
Energy without the Guilt
When it comes to snacking at work, it's important
to choose healthy options that will keep you full
andenergized.Trailmixisagreatoptionbecause
it's packed with protein and healthy fats.
35 SPENDERRIFIC / Know When and Where to Spend
Greek yogurt with honey and fresh berries is
another great option that is rich in protein and
antioxidants.
Ifyou'relookingforsomethingmoresavory,veggie
stickswithhummusareagreatoptionthatwillkeep
you full and satisfied.
1. Hummus and veggies - Dip sliced carrots,
cucumbers, and bell peppers in hummus for a
healthy and filling snack.
2. Greek yogurt with berries - Top Greek yogurt
with mixed berries and a drizzle of honey for a
sweet and protein-rich snack.
After-Work Wellness: Simple and Effective
Home Workouts
After a long day at work, it can be tough to find the
motivationtoexercise.Butthereareafewworkouts
you can do at home that are quick and effective.
1.Tabataworkout-Alternatebetween20seconds
of high-intensity exercise (like jumping jacks) and
10 seconds of rest for a total of 4 minutes.
2. Yoga flow - Start with a few sun salutations, then
move into a vinyasa flow.
3. Bodyweight workout - Perform a circuit of
squats, lunges, push-ups, and planks.
Neglectingyourownhealthandwellnesscanlead
to burnout, stress, and other health problems.
That's why it's important to prioritize self-care
and make small changes to your daily routine. By
startingyourdaywithahealthybreakfast,choosing
healthy snacks, staying active at work, making
healthy choices when eating out, and getting in
a quick workout at home, you can improve your
overall health and well-being.
Remember, taking care of yourself isn't selfish - it's
necessaryforahappy,healthy,andproductivelife.
SPENDERRIFIC / Know When and Where to Spend 36

More Related Content

Similar to Spenderrific Diversity and Inclusion Issue #02

Dr. Nancy Miliken
Dr. Nancy MilikenDr. Nancy Miliken
Dr. Nancy Milikendburstyn
 
The Hero's Journey in Florence. Demo Guide 23 october 2013
The Hero's Journey in Florence. Demo Guide 23 october 2013 The Hero's Journey in Florence. Demo Guide 23 october 2013
The Hero's Journey in Florence. Demo Guide 23 october 2013 Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 Peter de Kuster
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013Peter de Kuster
 
WellBeing-Inspirational Woman Magazine
WellBeing-Inspirational Woman MagazineWellBeing-Inspirational Woman Magazine
WellBeing-Inspirational Woman MagazineLillian Eyison
 
Engaging the 21st Century Woman: 8 Steps to Getting it Right
Engaging the 21st Century Woman: 8 Steps to Getting it RightEngaging the 21st Century Woman: 8 Steps to Getting it Right
Engaging the 21st Century Woman: 8 Steps to Getting it RightCharlotte Wooding
 
Not All Those Who Wander Are Lost.docx
Not All Those Who Wander Are Lost.docxNot All Those Who Wander Are Lost.docx
Not All Those Who Wander Are Lost.docxsimjk
 
The Power Of Archetypes In Brand Creation
The Power Of Archetypes In Brand CreationThe Power Of Archetypes In Brand Creation
The Power Of Archetypes In Brand CreationBianca Cawthorne
 
Essay First Sentence. School essay: Good first sentences for essays
Essay First Sentence. School essay: Good first sentences for essaysEssay First Sentence. School essay: Good first sentences for essays
Essay First Sentence. School essay: Good first sentences for essaysAngela Dougherty
 
Girl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lrGirl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lrFaruq Hunter
 
Out and About STYLE Mag Issue 2 Vol. 2
Out and About STYLE Mag Issue 2 Vol. 2Out and About STYLE Mag Issue 2 Vol. 2
Out and About STYLE Mag Issue 2 Vol. 2Marsha Fry
 
Unveiling Your Unique Style, Path to Self Expression
Unveiling Your Unique Style, Path to Self ExpressionUnveiling Your Unique Style, Path to Self Expression
Unveiling Your Unique Style, Path to Self ExpressionNiha Fashions
 
The Hero's Journey in Florence Demo Guide
The Hero's Journey in Florence Demo Guide The Hero's Journey in Florence Demo Guide
The Hero's Journey in Florence Demo Guide Peter de Kuster
 

Similar to Spenderrific Diversity and Inclusion Issue #02 (20)

Dr. Nancy Miliken
Dr. Nancy MilikenDr. Nancy Miliken
Dr. Nancy Miliken
 
ALL-WEF-Brochure (1)
ALL-WEF-Brochure (1)ALL-WEF-Brochure (1)
ALL-WEF-Brochure (1)
 
The Hero's Journey in Florence. Demo Guide 23 october 2013
The Hero's Journey in Florence. Demo Guide 23 october 2013 The Hero's Journey in Florence. Demo Guide 23 october 2013
The Hero's Journey in Florence. Demo Guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013 The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013The Hero's Journey in Florence. Demo guide 23 october 2013
The Hero's Journey in Florence. Demo guide 23 october 2013
 
WellBeing-Inspirational Woman Magazine
WellBeing-Inspirational Woman MagazineWellBeing-Inspirational Woman Magazine
WellBeing-Inspirational Woman Magazine
 
Engaging the 21st Century Woman: 8 Steps to Getting it Right
Engaging the 21st Century Woman: 8 Steps to Getting it RightEngaging the 21st Century Woman: 8 Steps to Getting it Right
Engaging the 21st Century Woman: 8 Steps to Getting it Right
 
Not All Those Who Wander Are Lost.docx
Not All Those Who Wander Are Lost.docxNot All Those Who Wander Are Lost.docx
Not All Those Who Wander Are Lost.docx
 
The Power Of Archetypes In Brand Creation
The Power Of Archetypes In Brand CreationThe Power Of Archetypes In Brand Creation
The Power Of Archetypes In Brand Creation
 
Essay First Sentence. School essay: Good first sentences for essays
Essay First Sentence. School essay: Good first sentences for essaysEssay First Sentence. School essay: Good first sentences for essays
Essay First Sentence. School essay: Good first sentences for essays
 
Girl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lrGirl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lr
 
Girl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lrGirl Tank Media kit 2014.lr
Girl Tank Media kit 2014.lr
 
Self Discovery Essay
Self Discovery EssaySelf Discovery Essay
Self Discovery Essay
 
Out and About STYLE Mag Issue 2 Vol. 2
Out and About STYLE Mag Issue 2 Vol. 2Out and About STYLE Mag Issue 2 Vol. 2
Out and About STYLE Mag Issue 2 Vol. 2
 
Unveiling Your Unique Style, Path to Self Expression
Unveiling Your Unique Style, Path to Self ExpressionUnveiling Your Unique Style, Path to Self Expression
Unveiling Your Unique Style, Path to Self Expression
 
The Hero's Journey in Florence Demo Guide
The Hero's Journey in Florence Demo Guide The Hero's Journey in Florence Demo Guide
The Hero's Journey in Florence Demo Guide
 

Recently uploaded

AliExpress Clothing Brand Media Planning
AliExpress Clothing Brand Media PlanningAliExpress Clothing Brand Media Planning
AliExpress Clothing Brand Media Planningjen_giacalone
 
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -Pooja Nehwal
 
Independent Call Girls Delhi ~9711199012~ Call Me
Independent Call Girls Delhi ~9711199012~ Call MeIndependent Call Girls Delhi ~9711199012~ Call Me
Independent Call Girls Delhi ~9711199012~ Call MeMs Riya
 
Neelam 9058824046 Call Girls Service in Haridwar
Neelam 9058824046 Call Girls Service in HaridwarNeelam 9058824046 Call Girls Service in Haridwar
Neelam 9058824046 Call Girls Service in Haridwarjaanseema653
 
Panipat Call Girls in Five Star Services Call 08860008073
Panipat Call Girls in Five Star Services Call 08860008073 Panipat Call Girls in Five Star Services Call 08860008073
Panipat Call Girls in Five Star Services Call 08860008073 Apsara Of India
 
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...Pooja Nehwal
 
Manisha Rani Net Worth 2024 Biography.pdf
Manisha Rani Net Worth 2024 Biography.pdfManisha Rani Net Worth 2024 Biography.pdf
Manisha Rani Net Worth 2024 Biography.pdfkigaya33
 
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...Pooja Nehwal
 
Call Girls in Sarita Vihar__ 8448079011 Escort Service in Delhi
Call Girls in Sarita Vihar__ 8448079011 Escort Service in DelhiCall Girls in Sarita Vihar__ 8448079011 Escort Service in Delhi
Call Girls in Sarita Vihar__ 8448079011 Escort Service in DelhiRaviSingh594208
 
Youthlab Indonesia Gen-Z Lifestyle Chart
Youthlab Indonesia Gen-Z Lifestyle ChartYouthlab Indonesia Gen-Z Lifestyle Chart
Youthlab Indonesia Gen-Z Lifestyle ChartYouthLab
 
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝soniya singh
 
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhidelhimodel235
 
KALENDAR KUDA 2024 Hi resolution cuti umum.pdf
KALENDAR KUDA 2024 Hi resolution cuti umum.pdfKALENDAR KUDA 2024 Hi resolution cuti umum.pdf
KALENDAR KUDA 2024 Hi resolution cuti umum.pdfSallamSulaiman
 
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012Mona Rathore
 
Mushkan 8126941651 Call Girls Servicein Jammu
Mushkan 8126941651 Call Girls Servicein JammuMushkan 8126941651 Call Girls Servicein Jammu
Mushkan 8126941651 Call Girls Servicein Jammujaanseema653
 
Dubai Call Girls O528786472 Call Girls Dubai OL
Dubai Call Girls O528786472 Call Girls Dubai OLDubai Call Girls O528786472 Call Girls Dubai OL
Dubai Call Girls O528786472 Call Girls Dubai OLhf8803863
 
‘I think I might die if I made it’ 'There were no singles'
‘I think I might die if I made it’ 'There were no singles'‘I think I might die if I made it’ 'There were no singles'
‘I think I might die if I made it’ 'There were no singles'cakepearls Official
 
Why Are Dogs So Loyal causes beyond dog.
Why Are Dogs So Loyal causes beyond dog.Why Are Dogs So Loyal causes beyond dog.
Why Are Dogs So Loyal causes beyond dog.Bilal Ahmad
 

Recently uploaded (20)

AliExpress Clothing Brand Media Planning
AliExpress Clothing Brand Media PlanningAliExpress Clothing Brand Media Planning
AliExpress Clothing Brand Media Planning
 
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -
Mumbai Call Girls Malad West WhatsApp 9892124323 Full Night Enjoy -
 
Independent Call Girls Delhi ~9711199012~ Call Me
Independent Call Girls Delhi ~9711199012~ Call MeIndependent Call Girls Delhi ~9711199012~ Call Me
Independent Call Girls Delhi ~9711199012~ Call Me
 
Neelam 9058824046 Call Girls Service in Haridwar
Neelam 9058824046 Call Girls Service in HaridwarNeelam 9058824046 Call Girls Service in Haridwar
Neelam 9058824046 Call Girls Service in Haridwar
 
Panipat Call Girls in Five Star Services Call 08860008073
Panipat Call Girls in Five Star Services Call 08860008073 Panipat Call Girls in Five Star Services Call 08860008073
Panipat Call Girls in Five Star Services Call 08860008073
 
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...
Mumbai Call Girls Andheri East WhatsApp 9167673311 💞 Full Night Enjoy Pooja M...
 
Manisha Rani Net Worth 2024 Biography.pdf
Manisha Rani Net Worth 2024 Biography.pdfManisha Rani Net Worth 2024 Biography.pdf
Manisha Rani Net Worth 2024 Biography.pdf
 
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...
Call Numbe 9892124323, Vashi call girls, Juhu Call Girls, Powai Call Girls Se...
 
Call Girls in Sarita Vihar__ 8448079011 Escort Service in Delhi
Call Girls in Sarita Vihar__ 8448079011 Escort Service in DelhiCall Girls in Sarita Vihar__ 8448079011 Escort Service in Delhi
Call Girls in Sarita Vihar__ 8448079011 Escort Service in Delhi
 
Youthlab Indonesia Gen-Z Lifestyle Chart
Youthlab Indonesia Gen-Z Lifestyle ChartYouthlab Indonesia Gen-Z Lifestyle Chart
Youthlab Indonesia Gen-Z Lifestyle Chart
 
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝
Call Girls in New Friends Colony Delhi 💯Call Us 🔝8264348440🔝
 
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi
9990771857 Call Girls in Noida Sector 05 Noida (Call Girls) Delhi
 
KALENDAR KUDA 2024 Hi resolution cuti umum.pdf
KALENDAR KUDA 2024 Hi resolution cuti umum.pdfKALENDAR KUDA 2024 Hi resolution cuti umum.pdf
KALENDAR KUDA 2024 Hi resolution cuti umum.pdf
 
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012
Russian BINDASH Call Girls In Mahipalpur Delhi ☎️9711199012
 
Hauz Khas Call Girls Delhi ✌️Independent Escort Service 💕 Hot Model's 9999965857
Hauz Khas Call Girls Delhi ✌️Independent Escort Service 💕 Hot Model's 9999965857Hauz Khas Call Girls Delhi ✌️Independent Escort Service 💕 Hot Model's 9999965857
Hauz Khas Call Girls Delhi ✌️Independent Escort Service 💕 Hot Model's 9999965857
 
Mushkan 8126941651 Call Girls Servicein Jammu
Mushkan 8126941651 Call Girls Servicein JammuMushkan 8126941651 Call Girls Servicein Jammu
Mushkan 8126941651 Call Girls Servicein Jammu
 
Dubai Call Girls O528786472 Call Girls Dubai OL
Dubai Call Girls O528786472 Call Girls Dubai OLDubai Call Girls O528786472 Call Girls Dubai OL
Dubai Call Girls O528786472 Call Girls Dubai OL
 
‘I think I might die if I made it’ 'There were no singles'
‘I think I might die if I made it’ 'There were no singles'‘I think I might die if I made it’ 'There were no singles'
‘I think I might die if I made it’ 'There were no singles'
 
Rohini Sector 24 Call Girls Delhi 9999965857 @Sabina Saikh No Advance
Rohini Sector 24 Call Girls Delhi 9999965857 @Sabina Saikh No AdvanceRohini Sector 24 Call Girls Delhi 9999965857 @Sabina Saikh No Advance
Rohini Sector 24 Call Girls Delhi 9999965857 @Sabina Saikh No Advance
 
Why Are Dogs So Loyal causes beyond dog.
Why Are Dogs So Loyal causes beyond dog.Why Are Dogs So Loyal causes beyond dog.
Why Are Dogs So Loyal causes beyond dog.
 

Spenderrific Diversity and Inclusion Issue #02

  • 1. SPENDERRIFIC / Know When and Where to Spend 1 www.spenderrific.com A WOMAN'S BLUEPRINT FOR FINANCIAL RESILIENCE SCAN TO GET WEEKLY UPDATE BEYOND THE TREAD Women in the Auto Industry BOOK RECOMMENDATIONS BY AND ABOUT INSPIRING WOMEN LiteraryVoices TECH ESSENTIALS FOR STAYING PRODUCTIVE ON THE ROAD Workation Warrior F***YouFund Spenderrific KNOW WHEN AND WHERE TO SPEND ISSUE 02 MARCH 1ST 2024 *
  • 2. Spenderrific.com Reads for Pet Lovers Looking for some interesting reads? You'll be pleased to know that Spenderrific.com has a variety of articles waiting for you! Discover our travel, lifestyle, authentic cuisine, and pet care articles that are sure to provide useful insights and tips. Time and again, as a pet owner you will be told why it’s important to spay and neuter your pets. It’s a song your vet might repeat over and over, especially if you are a new pet owner. Many breeds have natural qualities that make them ideal as emotional support animals. For instance, certain dogs are nat- urally empathetic and responsive to human emotions, quali- ties that are essential for an emotional support dog. Car travel with pets is one of the best adventures you can have. Their cute faces enjoying the gushing wind through the rolled- down window? Having them explore new spaces whenever you stop for rest? 1 SPENDERRIFIC / Know When and Where to Spend WHY IT’S IMPORTANT TO SPAY AND NEUTER YOUR PETS 7 EMOTIONAL SUPPORT DOG BREEDS FOR COMFORT AND COMPANIONSHIP CAR TRAVEL WITH PETS: 10 TIPS FOR SAFETY AND SECURITY 6 BEST INTERNATIONAL TRAVEL INSURANCE COMPANIES 2024 FAMILY ROAD TRIP PLANNING: YOUR ULTIMATE GUIDE TO A HAPPY FAMILY ROAD TRIP TRAVEL INSURANCE ESSENTIALS: WHAT YOU NEED TO KNOW BEFORE YOUR TRIP YOUR ULTIMATE GUIDE TO SOLO FEMALE TRAVEL BACKPACKING IN AUSTRALIA: HOW TO STAY AND KEEP YOUR POSSESSIONS SAFE Solo female travel is whereit’satin2024!Yes, the movement has been growing over the years and many women have taken countless journeys across the globe solo. In fact, numerous female travel bloggers have quit their day jobs to travel the world and work as digital nomads. Your Guide to Fun and Exciting Adventures
  • 3. In This Issue PAGE06 PAGE09 PAGE13 PAGE19 PAGE26 PAGE16 PAGE24 PAGE29 PAGE31 PAGE04 SOLO FEMALE TRAVEL F*** YOU FUND: WORKATION WARRIOR EMPOWERING WOMEN IN SUPPLY CHAINS: BEYOND THE TREAD 2024 INTERNATIONAL WOMEN’S DAY READS: THE POWER OF NEGOTIATION HEATWAVES AND HEARTFELT CONNECTIONS BOSS BABES IN BALANCE EDITOR'S LETTER Embracing Solo Adventures as a Woman A Woman's Blueprint for Financial Resilience Tech Essentials for Staying Productive on the Road Strategies for Building Diverse and Inclusive Teams Women in the Auto Industry in Kenya Book Recommendations by and About Inspiring Women Strategies for Women to Secure Contracts and Partnerships Tale of resilience in a land of heatwaves and heartfelt connections Nutrition Hacks for Busy, Working Women on the Go Visit our website: www.spenderrific.com for weekly articles. General Inquiries hello@spenderrific.com CONTACT US Spenderrific Magazine, published by Spenderrific, features articles and contri- butions whose views may not necessarily align with those of the publisher. The publisher retains all rights, and any reproduction of material requires prior arrangement and appropriate acknowledgment to Spend- errific. Advertising: Spenderrific Magazine is a monthly Lifestyle and Travel publication produced 12 times per year and is available in Print version. Visit www.spenderrific.com. DISCLAIMER Enid Kathambi Fat-hi Said Brenda Mwirigi Zarika Wambui EDITORIAL CONTRIBUTORS SPENDERRIFIC SPENDERRIFIC / Know When and Where to Spend 2 ISSUE #02 MARCH 2024
  • 4. Editor in Chief The issues run deeper beyond these daily annoyances, like dealing with products built with small-sized male targets as representation for women. As you scroll through this magazine, how well does your phone fit on your hand compared to a man? Or the fact that women are more likely to sustain severe injuries or lose their lives during a car crash than men because most vehicle manufacturers are yet to use female dummies for safety testing. The lack of women's inclusivity has contributed greatly to these unfortunate occurrences, a testament to the need for the inclusivity of women in all facets. As a woman, this is a cause very dear to my heart. Women's inclusivity is not just a buzzword; it is the foundation for a fairer, more equitable society. It allows women to reach their full potential, contributemeaningfully,andleadpositivechange acrossallaspectsoflife,whichdoesn’tjustalleviate the quality of life but can also save lives. With this issue, we aim to inspire, educate, and ignite conversations that contribute to the global movementforinclusivity.Wecelebratethespiritof adventure, inspiring women to take the leap and experience solo female travel while encouraging businesses to implement inclusive strategies that cater to women travelers' needs. We explore careersandfinancialindependence,empowering women to venture into male-dominated careers, and tips to build a strong financial foundation that affordsyoua“F***You”momentinsituationsthat threaten your safety and well-being. Happy International Women’s Day! Welcome,dearreaders,tothesecondissueof theSpenderrificMagazine,wherewecelebrate and encourage women's empowerment and inclusivity. Despite the strides made in promoting the empowerment of women in recent years, the inclusivity of women is still lacking in many areas, from workplaces and homesteads to healthcare and policies. Last year, I read one of the most impactful books in my library, Invisible Women: Data Bias in a World Designed for Men by Caroline Criado Pérez, followed by a binging session of her podcast, Visible Womenby Caroline Criado Pérez, and it absolutely blew my mind just how lacking the inclusivity of women is in all aspects of life. Womenacrosstheworldarefullyawareofwomen- centric problems, from watching your every move and behaviour in public and private spaces to our health concerns being brushed off even by healthcare providers. Editor's Letter 3 SPENDERRIFIC / Know When and Where to Spend
  • 5. But it's got potential written all over it. Advertise here and let your brand be its success story! This ad space might be empty! Inquiries: hello@spenderrific.com Website: www.spenderrific.com CONTACT US
  • 6. 5 SPENDERRIFIC / Know When and Where to Spend
  • 7. SPENDERRIFIC / Know When and Where to Spend 6 Solo Female Travel Embracing Solo Adventures as a Woman Traveling solo as a woman—there's something simultaneously thrilling and terrifying about the prospect.Theinitialfear,thequestioningglances, and the societal norms that have conditioned women to believe that adventures are best undertaken in groups are the barriers we aim to dismantle. Yes, acknowledging the fear is necessary. It is okay to feel apprehensive about venturing into the unknown alone. Yet, it is precisely this fear that transforms into liberation once you step out of your comfort zone. By stepping out on your own, you are not merely moving geographically; you are redefining boundaries and challenging stereotypes. Each trip you take is a chapter of fearless exploration, whereeverydecision—fromthestreetyouwander down to the strangers you might befriend—is yours to make. Let’s take a closer look at the key benefits of adventures as a woman. Building Confidence Solo travel throws you headfirst into unfamiliar territory, forcing you to navigate new situations and problem-solve independently. Imagine reading a complex train schedule in a foreign language, bargaining with street vendors in a bustling marketplace, or confidently asking for directions in a remote village. Each successful encounter builds self-reliance and a sense of "I can do this" that overextends the travel experience. Self-Discovery Traveling solo allows women to shed societal expectations and truly connect with themselves. Unburdenedbythedynamicsofgrouptravel,solo adventurershavethefreedomtoexplorepersonal interests and passions without compromise. Picture yourself spending extra time at a pottery workshop in Marrakech, indulging in a silent meditation retreat in Bhutan, or taking on a challenging solo hike through Patagonia— experiences that might be less appealing or feasible when traveling with others. This immersion in personal interests fosters self- awareness and a deeper understanding of one's values and desires. Unbridled Freedom Solotravelgrantswomenunparalleledautonomy overtheirtravelexperience.Thistranslatestothe freedom to explore hidden gems off the beaten path, delve deeper into specific interests, or simply indulge in the luxury of spontaneous exploration. This ability to create a schedule that revolves solely around your desires fosters a sense of liberation and empowers women to define their own travel narrative. Building Connections Contrary to popular belief, solo travel can be a breeding ground for unexpected friendships. Unbound by a pre-existing group, solo female travelers are naturally more open to connecting with others. Shared experiences, like navigating a busy marketplace or exploring a historical landmark, can spark conversations and forge genuine connections.
  • 8. 7 SPENDERRIFIC / Know When and Where to Spend Additionally,hostels,guesthouses,andorganized tours specifically designed for solo travelers often foster a sense of community, providing opportunities to meet like-minded women from around the world. These newfound connections can not only enrich the travel experience but also create a global network of support and lasting friendships. But the benefits of solo female travelers aren’t confined to women only. Companies, specifically those in the travel industry, stand to gain greatly. The travel industry holds immense potential as a catalyst for economic empowerment, and solo female travel is no exception. Encouraging women to explore the world solo translates into increased demand for various travel-related services, from accommodations to transportation and cultural experiences. Despite these advantages, solo female travelers continuetofacechallengesduetoalackofindustry inclusivity. Companies can play a pivotal role in inspiringinclusionbyimplementingstrategiesthat address the specific concerns and preferences of female travelers. Safe Accommodations and Transportation Key among these is safety. While solo female travelersareadvisedandalwaystakethenecessary measures to stay safe, companies in the industry must take the initiative to ensure the safety of women travelers. Accommodation options like single rooms with secure locking mechanisms and well-lit common areas are crucial. This should also go beyond investing in high-end surveillance equipment. Simplegesturessuchasescortingtravelerstotheir rooms and ensuring the security of the room or simply pointing at their room number rather than saying it out loud for all and sundry to hear can go a long way in making female travelers safe. Additionally, destinations with clear signage, readily available public transportation, and well- trained tourism staff who understand female travelerneedscontributesignificantlytoasafeand comfortable experience. Tailoring Experiences to Female Preferences Travel companies can offer tours and activities specifically designed for women travelers. This is not a new phenomenon, with numerous tour operators already offering travel packages for group and solo female travelers only. Besidesthese,companiescanimplementwellness offerings, female-friendly group activities, and networking opportunities, which can significantly enhance the appeal of travel for women. Additionally, homestays with local female hosts can also offer cultural immersion. These strategies foster a sense of security, community, and shared experiences.
  • 9. Inquiries: hello@spenderrific.com Website: www.spenderrific.com CONTACT US SPENDERRIFIC / Know When and Where to Spend 8 It secretly wants to be a billboard when it grows up. Advertise here and make its dream come true! Blank space confession
  • 10.
  • 11. SPENDERRIFIC / Know When and Where to Spend 10 F*** You Fund: A Woman's Blueprint for Financial Resilience It is the year of our Good Lord 2024, and women arestillfightingforequality,beitintheworkplace, at home, and in society. The fact that women have been seen and treated as lesser beings is no secret. You don’t have to look very far to see all the signs. Inyourworkplaceorindustry,forexample,what’s the pay disparity between male and female workers, assuming both possess the same level of education, skills, and experience? What’s the composition of the upper management? Are women penalized for trying to balance career and family? Or does the employer offer better parental leave benefits not just for the mother but for fathers as well? It’s just a little over a month since women in Kenya took to the streets to demonstrate against the ever-rising rates of femicide. Since then, there have been more femicide events, reported and unreported. A significant percentage of these are committed by intimate partners and family members. Most of thetime,it’sjustbecausethe womandaredtostandupfor herself,say‘NO’,andwalkaway from an abusive relationship. This inequality isn't just emotionallytaxing;ithastangible financial consequences that limit our options and stifle our potential. But why can’t women just leave? There are, of course, other factors that keep women from walking away from such conditions, like the fear about their safety. But there’s one key factor we cannot brush aside, the lack of financial security.Withoutthefinancialmuscletoknowthey can easily say ‘Fuck You’, walk away, and never havetoworryaboutpayingthebills,manywomen continue to be stuck in these situations. That's where the F*** You Fund comes in. Think of it as more than just a swear jar for bad bosses, toxic families, and abusive partners. A F*** You Fund is a woman's path to financial independence and true agency. It's the freedom to walk away from any situation that compromises your safety, dignity, mental health, career progression, or dreams – whether it's a toxic workplace, a harmful relationship, or the soul-sucking grind of dead-end work. ToquoteFrankfromtheTheGamblerfilm,played by John Goodman: “Somebody wants you to do something, fuck you. Boss pisses you off, fuck you! Own your house. Have a couple bucks in the bank… A wiseman'slife(orwomaninthiscase),isbased around fuck you.” But this isn't just about survival; it's also about thriving.AF***YouFundgivesyouthepowerto: Pursue Your Passions You are allowed to launch that business, take that sabbatical, and say "yes" to the adventure your heart calls for. For too long, societal expectations, often more
  • 12. 11 SPENDERRIFIC / Know When and Where to Spend pronounced for women, have dictated career choices and life paths. We've been told to follow traditional routes, prioritize stability over personal fulfillment, and downplay our aspirations. This stifling environment can create a disconnect between who we are and what we truly desire, impacting our overall sense of well-being and fulfillment. TheF***YouFundenablesyoutochallengethese societal norms and pursue your passions with confidence.Itactsasasafetynetthatallowsyouto take calculated risks such as exploring new career paths or ventures without the crippling fear of financial insecurity. A woman can confidently leave a secure but unfulfilling job to pursue a lifelong entrepreneurial dream,knowingshehastheresourcestonavigate the initial challenges. Command Respect Traditionally,societalnormshaveoftenpositioned womeninadynamicwheretheymaybeexpected to prioritize collaboration and compromise over assertive self-advocacy, potentially leading to situationswheretheircontributionsgoundervalued or their voices are not fully acknowledged. This can manifest in various ways, such as your salary discrepancies for comparable work or underrepresentation in leadership roles. With a F*** You Fund, you can command respect thanks to the confidence it equips you with to negotiate and the choice to walk away. Financial security fosters self-assurance, which enables you to confidently negotiate for fair compensation, better working conditions, or desired career opportunities. When you find yourself in an environment where contributions are undervalued or you face unfair treatment, the F*** You Fund provides the critical resources to walk away from such a situation without succumbing to financial pressure. This ability to make independent choices fosters self-respect and sends a powerful message to potential employers or collaborators. Invest in Yourself Investing in oneself is very important for both personal and professional growth. However, due to societal pressures and the juggling act of managing various responsibilities, women often prioritize the needs of others over their own self- development.
  • 13. SPENDERRIFIC / Know When and Where to Spend 12 This can lead to feelings of stagnation, unfulfilled potential, and a disconnect between personal aspirations and professional realities. However, a F*** You Fund affords you the opportunity to prioritize self-investment. You can use this fund to finance various forms of self-investment, such as attending professional development workshops, pursuing additional education or certifications, or seeking therapy or coaching services to address personal or professional challenges. Theseinvestmentsenhanceyourskillset,knowledge base, and emotional well-being, ultimately contributing to greater career opportunities, improved work performance, and personal satisfaction. Your F*** You Fund should not be confused or substituted by an emergency fund. On the onehand,anemergencyfundisasavingskittyyou build to cover unexpected life surprises–job loss, health issues. A F*** You Fund, on the other hand, is your intentional escape hatch. It's about exercising choice, not merely surviving a crisis. How can you build your F*** You Fund? Startbysettinganumber.Whatamountwouldfree you up for 3 months? 6 months? A year? 5 years? 15 years? 30 years? Whateverperiodyouhaveinmindwilldependon your cost of living and risk tolerance. To calculate this amount, consider the monthly or annual amount you need to pay for necessities, debts, and potential unexpected circumstances. Then, multiply that amount by the number of months or years you’ve settled on. Forinstance,ifIneededamonthlyamountof KSh.100,000($~680),whichcanfreemeup for 2 years, I would need to build a F*** You FundofKSh.2.4M(~$16,318),i.e.,24*KSh. 100,000. Your next step is to choose the right place to pack your funds. You should aim for a liquid account that offers quick access to your funds. However, ensure that it also provides you with adequate interest return that beats inflation so your money doesn’t lose value. You should also consider automating savings in yourF***YouFundtoensureconsistencywithout the temptation to divert funds elsewhere. Besidessaving,exploreinvestmentopportunities, ensuringdiversificationindifferentassetclasses,to enhance the fund's growth potential. What’s your F*** You Fund amount? Enid Kathambi Editor in Chief I am a Certified Financial Analyst and Educator with a passion for helping people achieve their financial independence without enduring the everyday jargon of finance and investments. Website: www. enidkathambi.com Email: info@enidkathambi.com LinkedIn: Enid Kathambi Tiktok: @enidkathambi
  • 14. 13 SPENDERRIFIC / Know When and Where to Spend Warrior Workation
  • 15. SPENDERRIFIC / Know When and Where to Spend 14 Tech Essentials for Staying Productive on the Road Vacationing while working, or "workation," is becoming a thing, especially for those who prefer to work in a beach cabana with Wi-Fi rather than sit in a traditional office cubicle. Staying productive while on the road requires some essential tech gear that acts like a toolbox empowering you to work anywhere, from a cozy café corner to a bustling city square. Finding the right technology can be confusing, though. You don't want to carry a suitcase filled with every possible gadget, but you also don't want to miss that one crucial device that can save the day. The right tech gear can make all the difference, whether you're an experienced digital nomad or just starting out. Imagine typing away on a keyboard that feels so right under your fingertips or joining a video call with crystal clear audio even with background noise. That's the level of productivity you should aim for, and it's not just about the big-ticket items like laptops or tablets. The little things matter too, like a portable charger that keeps your devices powered up or noise- canceling headphones that let you focus. Here are some essential tech gears that you must pack to work while you're on vacation: 1. High-Performance Laptops: You need a laptop with a robust processor, long battery life, and lightweight design. The Apple MacBook Air and Dell XPS series offer both performance and portability. 2.PortableChargers&PowerBanks:Keepyour devicespoweredupwithaportablecharger.Look foroptionsliketheAnkerPowerCoreorRAVPower series, known for high capacity and fast charging capabilities. 3.ReliableMobileHotspots:Stayingconnected is crucial. Devices such as Verizon's Jetpack or SkyroamSolisprovideWi-Fionthegowithvarious data plans to suit your needs. 4. Noise-Cancelling Headphones: For focus in noisyenvironments,investinqualityheadphones. The Sony WH-1000XM4 and Bose QuietComfort series are favorites for their superior noise cancellation and audio clarity. 5. Productivity Apps & Tools: When you're on the go, staying connected and efficient can be tough.Therightmixofproductivityappsandtools can make all the difference. a. Collaborative Platforms: Slack keeps you in the loop with instant messaging and file sharing capabilities, while Trello offers a visual task Fat-hi Said Creative Director
  • 16. 15 SPENDERRIFIC / Know When and Where to Spend managementexperience,lettingyouorganizeyour projects with boards, lists, and cards. b. Time Management Apps: Toggl is a game- changer with a user-friendly interface for time tracking, while RescueTime helps you understand your daily habits so you can focus and be more productive. c. Offline Access Solutions: If you don't have continue working on your documents. Evernote provides a place to store your notes, accessible with or without connectivity. Making the Most of Your Workation: A Balanced Approach Now that you've equipped yourself with the right tech gear, it's crucial to strike a balance between workandrelaxationduringyour"workation."Here are a few tips to make the most of your time: i. Set Boundaries: Establish clear work hours to avoid burnout. Communicate these boundaries with your team and clients, ensuring everyone is on the same page. ii. Explore Your Surroundings: Take advantage of your new work environment. Whether it's a beach, mountain retreat, or bustling city, make time to explore and experience the local culture. iii. Stay Connected: While focusing on work, don't forget to stay connected with loved ones. Schedule virtual calls, share your adventures, and maintain a healthy work-life balance. iv. Embrace Flexibility: One of the perks of workationisflexibility.Embraceitbyadjustingyour workscheduletoalignwithpeakproductivitytimes and allowing room for spontaneous adventures. While this lifestyle presents its challenges, it provides an opportunity to create a work environment that not only fulfills professional demands but also enhances personal well-being. As you embark on your workation journey, equip yourself with the essential tools and adopt a mindsetthatwelcomesthefreedom,flexibility,and joy that the workation lifestyle promises. Headphones aren't just noise-canceling, they're workation-enabling.
  • 17. SPENDERRIFIC / Know When and Where to Spend 16 2024 International Women’s Day Reads: Book Recommendations by and About Inspiring Women by Spenderrific International Women’s Day, an annual global event celebrated on 8th March recognizes the social, economic, cultural, and political achievements of women. The day also marks a call to action for acceleratinggenderparityandaddressing the challenges women continue to face around the world. IncelebratingIWD2024,we’vecompiled a short list from our Chief Editor’s library of book recommendations by and about inspiring women.
  • 18. 17 SPENDERRIFIC / Know When and Where to Spend 1. Invisible Women: Data Bias in a World Designed for Men by Caroline Criado Pérez We live in an age where data is king. Yet, when it comes to women, a lot of data is lacking. This thought- provoking book exposes the hidden ways data can be biased against women. Pérez unveils how seemingly neutral data sets based on male experiences can disadvantage women in areas like healthcare, urban planning, and workplace policies. It's a crucial read for understanding the systemic challenges women face and advocating for change. 3. Why Women Are Poorer Than Men and What We Can Do About It by Annabelle Williams It’s not just about the gender pay gap when it comes to the wealth gap. In Why Women Are Poorer Than Men and What We Can Do About, Annabelle Williams exploresthecomplexeconomicfactorsthatcontribute to the gender wealth gap. From the tampon and the pink tax to career breaks for caregiving, and a lack of accesstofinancialresources,makingitanempowering read for those seeking to address gender-based economicdisparities.Towardtheend,Annabelleoffers practical solutions to equip women to take control of their financial future. 2. The Sex Lives of African Women by Nana Darkoa Sekyiamah While topics about the sexuality of African women arelargelyshunned,thisbookhasopenedthedoor for honest and raw conversations. Nana Darkoa Sekyiamah presents a collection of intimate stories in "The Sex Lives of African Women," challenging stereotypes and misinformation surrounding African women's sexuality. Through these diverse narratives, Sekyiamah emphasizes the importance of acknowledging and celebrating the varied experiences of African women. This eye-opening book contributes to the broader discourse on women's autonomy and sexual agency.
  • 19. SPENDERRIFIC / Know When and Where to Spend 18 5. I Know Why the Caged Bird Sings by Maya Angelou ThispowerfulmemoirrecountsMayaAngelou's childhood experiences of racism and abuse. Thebookisapowerfulexplorationofresilience, self-discovery, and triumph over adversity. Angelou's prose is poignant and unflinchingly honest, inspiring courage and self-discovery, makingthisbookaclassicforreadersofallages. 6. Winnie Mandela: A Life by Anné Mariè du Preez Bezdrob This biography chronicles the extraordinary life of Winnie Mandela, a South African anti- apartheid activist and former wife of Nelson Mandela.Itexploresherunwaveringdedication to fighting for justice and her complex journey as a woman navigating the political landscape. Winnie Mandela: A Life serves as an inspiration foranyonefightingforsocialchangeandgender equality. 7. Becoming by Michelle Obama "Becoming"offersreadersanintimatelookinto the life of Michelle Obama, from her humble beginnings to becoming the First Lady of the United States. It offers a glimpse into the challenges and triumphs of navigating public lifewhilemaintainingfamilyandpersonalvalues. Obama's story serves as an inspiration for women in any field to dream big and strive for excellence. 4. Think Like a Breadwinner: A Wealth- Building Manifesto for Women Who Want to Earn More (and Worry Less) Men have traditionally been the breadwinners. But times have changed, and many women have picked up the mantle. Still, a significant number of women don’t think of themselves as breadwinners or are being taught to think like breadwinners. In this book, the author encourages women to take charge of their financial futures. With practical advice and real-life stories, Barrett dismantles stereotypes and encourages women to embrace their roles as earners. Barrettgoesbeyondbudgetingtoofferactionable strategiesfornegotiation,investing,andbuilding long-term wealth. This book is a must-read for those seeking financial independence and equality.
  • 20. 19 SPENDERRIFIC / Know When and Where to Spend The magic is in the people! Recruit leaders who genuinely value diversity and inclusion. “ Brenda Mwirigi Procurement Practioner and Trainer I am a certified Procurement Practioner and Trainer with over a decade experience. I have core interest in helping organizations achieve value for money through Supply Chain, ERP user interface and mentoring. Drop me an email to book an appointment. Email: mwirigibrenda@gmail.com LinkedIn: Brenda Mwirigi Tiktok: @miss.mwirigi
  • 21. SPENDERRIFIC / Know When and Where to Spend 20 Every morning, I am met with a chorus of diverse voices — greetings from colleagues and other collaboratorsfromvaryingbackgrounds—fuelingmy everyday life with their unique perspectives. Priviet! Marhaba! Ni hao! Good morning! Jambo!Habariyenu!Hola!Konichiwa!Cava! Namaste! Habibi! Gal! Bro! Whatsup! Every day, I am reminded of the importance of diversityandinclusionintheworkplacethroughthese interactions that go beyond greetings. It has proven how a diversified and inclusive team helps transform businesssolutions,thanksinparttotheteam’svaried and unique experiences, ideas, and creativity. Thisachievement,however,doesnotcomebychance. It is fueled by an organization's effort to embrace inherent and acquired diversity. Inherent diversity includes factors like gender, sexual orientation, ethnicity, and age. Acquired diversity encompasses experiences, skills, and perspectives gained through education, work, and life. By intentionally seeking both inherent and acquired diversity,organizationscancreatearichertalenttool. Empowering Women in Supply Chains: Strategies for Building Diverse and Inclusive Teams
  • 22. 21 SPENDERRIFIC / Know When and Where to Spend There is improved decision-making through inclusive teams from a broad range of viewpoints. Itimprovesemployeeengagementandsatisfaction from feeling included and valued- which fosters a sense of belonging and pride in the workplace. We also get to attract top talent from the wider pool of candidates because talented individuals seek out inclusive workplaces. Additionally,thereismarketrelevancewhichhelps companies create products and services that resonate with global audiences. Clearly,embracingdiversityandfosteringinclusion isn’t just a moral imperative; it is a strategic advantage for any organization's success. However,manyorganizationscontinuetostruggle withinherentdiversity.Forexample,theinclusivity of women in the supply chain is still lacking with recentdatashowingaratherregressiveratherthan progressive outcome. This underrepresentation within a critical sector represents a missed opportunity for organizations seekingsuccessintoday'scompetitivelandscape. This year's International Women's Day theme, "Inspire Inclusion," compels us to move beyond mere representation and foster environments where women in supply chains thrive. Here are some effective strategies for building diverse and inclusive teams: Make it a continuous process Diversity isn’t just a one-time initiative, it’s an ongoing commitment. It is good to have diversity and inclusion ingrained in a company culture from the start. Companies should regularly assess and improve practices to maintain an inclusive environment. Hire leaders who understand the importance of diversity The magic is in the people! Recruit leaders who genuinelyvaluediversityandinclusion.Leadersset the tone for the entire for the entire organization. When leaders prioritize inclusivity, it permeates throughout the company. Ensure pay equity and fair compensation Thegenderpaygappersists,withreportsshowing a lack of equity and fair compensation has led to mid-career women in the supply chain leaving in search of competitive compensation packages. To ensure equity and fair compensation for a more inclusive workplace, regularly review pay Trust is influenced by employees’ experience in the workplace. Trust can be earned through transparency, fairness, and consistent actions.
  • 23. SPENDERRIFIC / Know When and Where to Spend 22 structures, compare employees based on similar work, and ensure gender and race-based pay equity. Fair compensation promotes retention and motivates employees to stay committed. Create inclusive facilities True inclusivity of women in the workplace necessitates fostering an environment where they feel welcome, safe, and empowered to thrive. Offering prayer rooms and smoking zones, non- gendered restrooms, and facilities for persons with a disability demonstrates respect for diverse religious and gender identities. Lactation spaces create a supportive environment for working mothers and friendly parental leave policies foster work-life balance and support new parents. Beyond this, addressing safety and security concerns can help alleviate such concerns by women. Arrange safe and reliable transportation options, especially for late-night shifts or work in remote locations. While there was an increase in the number of women in the C-level positions to 19% up from 15% in the same years, there was a decrease in VP roles to 21%, down from 39%.
  • 24. 23 SPENDERRIFIC / Know When and Where to Spend Second, ensuring all work areas are well-lit, maintained,andequippedwithsecuritymeasures for everyone's safety. Employees must also be educated on identifying and reporting harassment and discrimination, to helpfosterasafeandrespectfulworkenvironment. Acknowledge holidays of all cultures It is important to recognize and respect religious holidays that may not be officially observed by the company and accommodate employees’ needs during these times. Building diverse teams is essential, but it comes with its share of challenges. Address communication inclusivity Diverseteamsmayfacecommunicationissuesdue todifferentinterpersonalstyles.Thiscanbesolved by fostering open communication, encouraging activelistening,andprovidingtrainingoneffective communication. Establishsafeandaccessiblefeedbackchannelsfor women to voice concerns, offer suggestions, and provide feedback without fear of reprisal. Implement inclusive decision-making frameworks Diverseteamshavenumerousopinions,whichcan lead to ignored opinions and a slower decision- making process. Whatcanbedoneaboutthis?Implementinclusive decision-making frameworks, encouraging active and respective listening, consensus building, and setting clear timelines. Build trust Trust is influenced by employees’ experience in the workplace. Trust can be earned through transparency, fairness, and consistent actions. Encourage team-building activities and collaboration. Establishing clear consequences for unacceptable behavior. Implement training programs that raise awareness of unconscious biases and equip employees with tools to mitigate them. Address discrimination Stereotyping and discrimination can hinder team dynamics. Prevent discrimination by promoting awareness,addressingbiases,andenforcingzero- tolerance policies. Create safe and accessible channels for reporting discriminatory incidents, ensuring they are investigatedthoroughlyandaddressedswiftlywith appropriate consequences. Tackle barriers to diversity implementation Organizationsmayencounterresistancetochange or inertia when implementing diversity initiatives, particularlythosefocusedonwomeninthesupply chain. To overcome these barriers create a supportive environment,involveleadership,andcommunicate the benefits of diversity. Buildingdiverseandinclusiveteamsisn’tjustabout ticking boxes- it is about creating an environment where everyone feels valued, respected, and empowered to contribute their best. Happy International Women's Day!!
  • 25. SPENDERRIFIC / Know When and Where to Spend 24
  • 26. 25 SPENDERRIFIC / Know When and Where to Spend Haveyoueversatatanegotiationtablefeelinglike your voice wouldn't be heard? You're not alone. It happens to many people regardless of their gender. However, when it comes to women, the odds are ever so stacked against us. Research has shown women are less likely to be offered positions when they negotiate for better pay. Data also shows that women who negotiate aremorelikelytobeliedtocomparedtotheirmale counterparts. As a woman in the supply chain sphere, I have learned over the years that effective negotiators draw power from various sources, allowing them to influence the negotiation process. Because negotiation plays a crucial role in achieving successful outcomes at the bargaining table,wemustlearntoharnessitspoweraswomen if we are to take our seats at the tables. From getting the salary and benefits you deserve at the workplace to securing contracts and partnerships for your businesses and other endeavors. The Power of Negotiation Strategies for Women to Secure Contracts and Partnerships By Brenda Mwirigi - Procurement Practioner and Trainer
  • 27. SPENDERRIFIC / Know When and Where to Spend 26 Here are some strategies that can empower women to secure contracts and partnerships: Know Your Worth Understand your value and the contributions you bringtothetable.Researchindustrystandardsand paybenchmarkstoensureyou’renegotiatingfrom an informed background. Overcome Gender Bias Women sometimes face bias in negotiations. Recognize you might be perceived differently basedongenderstereotypes.Beassertivewithout fearing backlash. Prepare Thoroughly Adequate preparation is key. Gather information about the negotiation context, your counterpart, and potential outcomes. The more you know, the better you can navigate the process. Practice Confidence Confidence matters. Practice assertiveness and self-assuredness. Remember that negotiation is notaboutbeingaggressive,itisaboutadvocating for your interests. Build a Support Network Establish women’s mentoring groups to connect with high-status colleagues. These networks can provide guidance, boost confidence, and open doors to career opportunities. Leverage Your Strengths Women often excel in empathy, active listening, and collaboration. Use these strengths to build rapport and find mutually beneficial solutions. Negotiate for Others Research suggests that women may feel more comfortable advocating for others than for themselves.Usethiscommunalbehaviortonarrow the gender gap in negotiated outcomes. Shared Core Values Look for overlapping core values with your potential partners. Shared values create a strong foundation for collaboration and trust. Apply the Win-Win Criteria Establish a criterion where both parties can win. Negotiate terms that benefit everyone involved, rather than focusing solely on individual gains. Conduct Partnership Audits Regularly assess your partnerships. Are they still aligned with your goals? Are there areas for improvement or expansion? Assemble the right team Ensure you have the right team involved in negotiations. Their expertise and authority go a long way. Product Demonstrations Show your product or service in action. Visual demonstrations can be powerful in conveying value. Be Patience Take your time. Rushing negotiations can lead to suboptimal outcomes. Be patient and thorough. Successful contracts and partnerships are built on trust, alignment, and effective communication. Choose strategies that resonate with your specific context and goals. Negotiation is not about winning or losing- It is aboutfindingcommongroundandcreatingvalue. By mastering negotiation strategies, women can confidently secure contracts, partnerships, and career advancements.
  • 28. 27 SPENDERRIFIC / Know When and Where to Spend Beyond the Tread: Women in the Auto Industry in Kenya For too long, the auto scene has been a boys' club, butguesswhat?Womenarenotjustridingshotguns; they're taking the wheel and changing the game. Still,thereisnodenyingthatthegendergappersists. The underrepresentation of women remains a prevalentissue,hinderingnotjusttheempowerment of women but also the industry's full potential. To inspire inclusion, we must first recognize the numerous talented and capable women already contributing to the auto sector in Kenya. From engineers and designers to marketing professionals and executives, women are making significant strides in various aspects of the industry. Highlighting these success stories serves as a catalyst for change, dispelling preconceived notions about the role of women in traditionally male-dominated fields. One such woman is Mercy, who has spent the last nine years dedicated to the industry, rising through the ranks and achieving a level of success that is nothing short of inspiring. Startingwithnopriorexperienceintheindustry, she credits Sameer Africa PLC, the then sole tyre manufacturer in the country and region, for nurturinghertosurviveandthriveinthisdynamic industry. Throughout her journey, she has accumulated a series of achievements that underscore her
  • 29. SPENDERRIFIC / Know When and Where to Spend 28 Most recently, she was appointed Branch Manager at Oriel Kenya, where she exhibited unparalleled leadershipinsales,operations,andcustomerservice. Her strategic acumen and ability to drive teams to exceed targets resulted in growth in sales within a year. Academic Excellence: Mastering Strategic Management Parallel to her career, she earned a Master's in Business Administration with a specialization in StrategicManagementfromtheUniversityofNairobi, showcasing her commitment to continuous learning and equipping her with advanced strategic insights. Mercycreditshereducationanddesireforcontinuous learning and development as key players to her experience and success in the industry. Her advice to women is to never stop learning. “There is no greater pillar of stability than a strong, free, and educated woman.” - Angelia Jolie Challenges Beyond the Gender Gap Her journey in the automotive industry has not been withoutitschallenges.Whilestrideshavebeenmade to encourage gender diversity in the automotive sector, she notes that it is important to recognize other challenges that women face beyond the glaring gender gap. Pointing out some of the main challenges she has faced in the industry, Mercy also impact, including designing management tools that saved companies substantial funds, contributing to regional expansion strategies, and consistently surpassing sales targets as an award-winning customer service advisor. Early Years: Nurturing a Passion for Excellence Heracademicfoundation,includingaBachelor's degreeinCommercewithafocusonOperations Management from the esteemed University of Nairobi, and a Diploma in International Relations &DiplomacyatTheKenyaPolytechnic,werejust the beginning of her journey. Inherearlyyears,sheservedasanAdministration Officer, where she honed her organizational skills, overseeing office activities, supervising administrative staff, and managing inventory transactions. Her role extended to fleet logistics, ensuring the seamless scheduling and maintenance of a school bus fleet. It is through her role in logistics fleet management that her interest in the auto sector, specifically the tyre industry was piqued. Gaining Footing in the Auto Sector Joining Sameer Africa Plc as the Country Operations Coordinator, she swiftly became the backbone of administrative and operational support for its 15+ tyre retail centers. Her responsibilities included monitoring resource needs, supplier management, and ensuring repairs and maintenance aligned with policies. Her keen eye for detail and dedication to objectives made her an indispensable asset. Rising through the ranks, she assumed the role of Market Research & Information Officer and playedapivotalroleinenhancingthecompany's understanding of the market and ensuring a customer-centric approach. She spearheaded market research initiatives, customer satisfaction surveys, and coordinated marketing events.
  • 30. 29 SPENDERRIFIC / Know When and Where to Spend mentions strategies that companies in the industry can implement to ensure inclusivity. Societal stereotypes and perceptions, for instance, continue to create an uphill battle for women trying to break or grow in the industry, thanks to the skepticism about their technical abilities or suitability for certain roles. Companies can counter these preconceived notions through collaborations with educational institutions and initiating outreach programs. Byprovidingexposuretothediversecareerswithin the automotive sector, these programs can break down traditional gender stereotypes and inspire youngwomentoconsiderpursuingcareersinfields historically dominated by men. Limitedaccesstoopportunitiesalsocontinuesto hindertheempowermentandinclusionofwomen. Despitetheirqualificationsandskills,womeninthe automotiveindustrymayfacechallengesaccessing the same opportunities as their male counterparts. Thiscouldrangefrombeingexcludedfromcertain projects to facing subtle biases during the hiring process. The auto industry, like many others, is not immune to issues of workplace harassment and discrimination. Women may encounter subtle or overt forms of gender-based discrimination, ranging from biased treatment to inappropriate comments. Companies must establish and enforce stringent anti-harassment policies, fostering a culture that promotes respect and equality. Juggling work and family responsibilities remains a significant challenge for women everywhere, including in the automotive industry. The demanding nature of certain roles, combined with societal expectations, can create hurdles for women aiming to maintain a healthy work-life balance. Implementing family-friendly policies and flexible work arrangements is vital to addressing this challengeandsupportingtheprofessionalgrowth of women in the industry. The scarcity of women in leadership positions combined with insufficient mentorship and networkingopportunitieswithintheautomotive sector contributes to a lack of visible role models and career development opportunities. Withoutrepresentationatthetop,aspiringfemale professionals may struggle to envision a clear career trajectory. Initiatives that actively promote and support women in leadership roles in the industry are essential for breaking down this barrier and inspiring the next generation of female leaders. Establishing structured mentorship programs and networking opportunities can provide women with valuable guidance, helping them navigate challenges, set career goals, and build a network of support within the industry. Mercy Akoth Omwakila Growth & Expansion Strategies LinkedIn: Mercy Omwakila
  • 31. SPENDERRIFIC / Know When and Where to Spend 30
  • 32. 31 SPENDERRIFIC / Know When and Where to Spend Heatwaves and Heartfelt Connections Zarika's tale of resilience in a land of heatwaves and heartfelt connections Have you ever wondered what it's like to work in a foreign country? The challenges, the culture shock, the cuisine, and the people? Well, today I want to share with you my experience working in the Middle East. My experience is a mix of challenges, surprises, and appreciation. Climate Coming from Nairobi, where the weather is cool, I found it hard to adapt to the hot and arid climate in the Middle East. But eventually, I got used to it and learned to appreciate the beautiful sunny days. Exploring the beaches and deserts in the region was definitely a highlight for me. However, the hot weather was a challenge, and I had to find ways to cope with it. I made sure to stay hydrated, wear light Zarika Wambui Quality Control Inspector
  • 33. SPENDERRIFIC / Know When and Where to Spend 32 clothing, and avoid going out during the hottest hours of the day. Language Barrier The language barrier was also a challenge. Most people in the country spoke their local language, which made communication difficult at first. However, with time, I learned a new language, which made it easier to communicate with my fellow co-workers. I also took language classes, which helped me to improve my communication skills and connect with the locals. It was a great opportunity to learn a new language and explore the culture. Cuisine Cuisine was another significant challenge for me. The foods were all imported and frozen, and the fruits were not as fresh as I was used to. However, I learnedtoappreciatetheArabiccuisine,especially Rotti and humus. I also learned to cook some of the local dishes, which was a great opportunity to explore the culture and cuisine. I made sure to try new foods and learn about the local ingredients used in their preparation. People Despitethechallenges,Ifoundsomeofthepeople inthecountrytobewelcomingandeasytointeract with.Theywerealwaysreadytohelpoutwhenever I was stuck and needed help, both at work and at home. I made new friends and learned a lot about the culture and traditions of the region. I also joined socialclubsandgroups,whichhelpedmetomeet new people and learn more about the country. Infrastructure I also appreciated the country's infrastructure, whichwashighlydeveloped.Thehospitals,roads, and working areas were all top-notch. I also loved thatthegovernmentgavewomentheupperhand priority in the buses, trains, hospitals, and banks. Womenwerehighlyregardedandrespectedinthe country, making it a peaceful and safe place to live and work. The country's infrastructure also made it easy for me to navigate and explore new places. Currency Adaptingtoanewcurrencywasanotherchallenge for me. However, I was delighted to learn that the government cared about the employees and did not tax our salaries. Thisgavemefinancialfreedom,whichIappreciated. I was also able to save a considerable amount of money, which I used to travel and explore new placesintheregion.Ialsomadesuretounderstand the exchange rates and budget accordingly. Career Growth Working in a foreign country also gave me an opportunitytogrowmycareer.Ilearnednewskills and gained valuable experience working with people from different backgrounds and cultures. I wasabletoworkonchallengingprojectsandtake onnewresponsibilities.Thisexperiencealsomade me more adaptable, resourceful, and resilient. Personal Growth Working in a foreign country also helped me to grow personally. I learned to be more open- minded, patient, and understanding of different cultures and perspectives. I also became more independent and self-reliant, which helped me to navigate challenging situations. I also learned to appreciatemyowncultureandbackgroundmore. Despite all the challenges and surprises, I had a great experience. If you're planning to work in a foreign country, be open-minded, patient, and willing to learn.
  • 34. 33 SPENDERRIFIC / Know When and Where to Spend Boss Babes in Balance Nutrition Hacks for Busy, Working Women on the Go Balancing a hectic work schedule with maintaining a nutritious diet canbeachallengeforbusyworking women. Between meetings, emails,andmanagingalltheother dailytasks,findingtimetoprepare andeathealthymealsoftenfallsby the wayside. It'seasytoslipintotheconvenience of fast food or to skip meals altogether, but these habits can lead to lower energy levels and decreased productivity. However, good nutrition is crucial for sustaining energy, focus, and overall health. You don't have to compromise your well-being for the sake of your busy calendar. Therearesimplenutritionstrategies that fit into the fast-paced lifestyle of a working woman on the go. With a few tweaks to your routine and some savvy food choices, you can fuel your body with what it needs to thrive even on your busiest days. Implementing small, practical changes to your eating habits can
  • 35. SPENDERRIFIC / Know When and Where to Spend 34 Desk-Friendly Workouts: Staying Active during Office Hours The sedentary nature of desk jobs can contribute to issues such as muscle stiffness, reduced circulation, and overall physical fatigue. That'swhyit'simportanttoincorporatemovement into your work routine. Here are a few desk exercises and stretches to combat sedentary work hours: 1. Chair dips - Sit on the edge of your chair with your hands on the seat. Slide your body forward and lower yourself down until your elbows are at a 90-degree angle. Push back up to the starting position and repeat. 2. Seated leg raises - Sit up straight with your feet flat on the ground. Lift one leg up and hold it for 10 seconds before lowering it down. Repeat with the other leg. 3. Neck stretches - Tilt your head to the left and hold for 10 seconds. Repeat on the right side. have a significant impact on your energy and well- being. This doesn't mean overhauling your entire diet overnight. Instead, it's about making smarter choices that work with your schedule. Opting for whole, nutrient-richfoods,stayinghydrated,andplanning ahead are just a few ways to ensure that, no matter how packed your schedule gets, your nutrition doesn't take a backseat. Fueling Your Day: Quick and Nutrient-Rich Breakfast Ideas You've probably heard that breakfast is the most important meal of the day, and it's true! Starting your day with a nutritious breakfast can help you stay focused and energized throughout the day. Here are a few quick and easy breakfast ideas that are perfect for busy mornings: 1. Overnight oats with nuts and berries - Combine rolled oats, almond milk, chia seeds, and honey in ajar.Topwithmixednutsandberriesandleaveitin thefridgeovernightforaquickandeasybreakfast. 2. Avocado toast with egg - Toast a slice of whole- grain bread and top it with mashed avocado. Add a poached egg and sprinkle with salt and pepper. 3. Breakfast burrito - Scramble eggs with spinach, diced tomatoes, and black beans. Wrap the mixture in a whole-wheat tortilla and enjoy. Smart Snacking at the Office: Boosting Energy without the Guilt When it comes to snacking at work, it's important to choose healthy options that will keep you full andenergized.Trailmixisagreatoptionbecause it's packed with protein and healthy fats.
  • 36. 35 SPENDERRIFIC / Know When and Where to Spend Greek yogurt with honey and fresh berries is another great option that is rich in protein and antioxidants. Ifyou'relookingforsomethingmoresavory,veggie stickswithhummusareagreatoptionthatwillkeep you full and satisfied. 1. Hummus and veggies - Dip sliced carrots, cucumbers, and bell peppers in hummus for a healthy and filling snack. 2. Greek yogurt with berries - Top Greek yogurt with mixed berries and a drizzle of honey for a sweet and protein-rich snack. After-Work Wellness: Simple and Effective Home Workouts After a long day at work, it can be tough to find the motivationtoexercise.Butthereareafewworkouts you can do at home that are quick and effective. 1.Tabataworkout-Alternatebetween20seconds of high-intensity exercise (like jumping jacks) and 10 seconds of rest for a total of 4 minutes. 2. Yoga flow - Start with a few sun salutations, then move into a vinyasa flow. 3. Bodyweight workout - Perform a circuit of squats, lunges, push-ups, and planks. Neglectingyourownhealthandwellnesscanlead to burnout, stress, and other health problems. That's why it's important to prioritize self-care and make small changes to your daily routine. By startingyourdaywithahealthybreakfast,choosing healthy snacks, staying active at work, making healthy choices when eating out, and getting in a quick workout at home, you can improve your overall health and well-being. Remember, taking care of yourself isn't selfish - it's necessaryforahappy,healthy,andproductivelife.
  • 37. SPENDERRIFIC / Know When and Where to Spend 36