Amos Robi

Debt can be a financial burden that slowly creeps up on you, making it harder to break free. While it’s easy to assume you have things under control, certain behaviours indicate that you are getting deeper into debt rather than making progress in clearing it. Best friends and digital loans often seem like lifesavers, but they can also be enablers that push you further into financial distress. Here are seven signs that you’re on a dangerous financial path.

<h3>1. You rely on your best friend for quick loans</h3>

While best friends offer emotional support, they often double as ‘emergency banks’ when you need quick cash.

If you find yourself frequently borrowing from your friends, not only are you straining relationships, but you’re also using one loan to cover another—an unhealthy cycle that signals worsening financial distress.

READ ALSO: <a target="_blank" class="editor-link" href="https://www.pulselive.co.ke/articles/lifestyle/10-hard-truths-about-debt-every-young-person-must-learn-2025022515021572345#google_vignette">10 hard truths about debt every young person must learn</a>

<h3>2. You’re using one loan to pay off another</h3>

A common red flag is when you take a new loan to pay off an existing one.

This cycle, known as ‘robbing Peter to pay Paul,’ only leads to more debt as you continue accumulating interest and fees.

Instead of reducing your financial burden, you’re prolonging and deepening it.

<h3>3. Your salary is already allocated to debt payments before you receive it</h3>

If your paycheck is already spent before you even receive it, you’re in a dangerous financial position.

When loan deductions and unpaid bills leave you with little to nothing for daily expenses, it means you’re living beyond your means and are likely to continue borrowing just to survive.

READ ALSO: <a target="_blank" class="editor-link" href="https://www.pulselive.co.ke/articles/business/explainer-kenyan-money-laws-you-might-be-breaking-everyday-without-realising-2025021309524529487">Kenyan money laws you might be breaking everyday without realising</a>

<h3>4. You regularly take mobile loans for non-essentials</h3>

Mobile loan apps provide quick access to cash, but if you’re using them to fund non-essential expenses like eating out, shopping, or entertainment, you are digging yourself into a financial hole.

These short-term loans often come with high-interest rates, making them a dangerous financial trap.

<h3>5. Debt collectors and late payment notices are piling up</h3>

Receiving frequent calls from debt collectors or late payment notices is a major sign that your debts are out of control.

Ignoring these notices does not make them go away—it only worsens the situation, potentially leading to legal action or damaged credit scores.

<h3>6. You have no savings and no emergency fund</h3>

If every penny you earn goes towards paying debt and none is set aside for emergencies or savings, you are financially vulnerable.

Without savings, any unexpected expense will likely push you into further borrowing, worsening the debt cycle.

These short-term loans often come with high-interest rates, making them a dangerous financial trap.

If you see yourself in any of these situations, it’s time to take action and break free from the debt trap before it’s too late.

How your friends' 'help' keeping you in a debt trap

Tanzanian superstar Diamond Platinumz has finally addressed the departure of his signee Mbosso from Wasafi Records, marking another high-profile exit from the label.

Mbosso, whose real name is Mbwana Yusuf Kilungi, joined Wasafi Records in 2018 and has been one of the label’s most successful artists.

Reports of his exit had been circulating, and Diamond has now confirmed that the transition is in its final stages.

Diamond's close associate, Baba Levo, revealed that Mbosso would be allowed to leave the record label without any financial demands.

According to him, this decision was made out of the immense respect Mbosso has for Diamond and Wasafi’s leadership.

<blockquote>Out of the great respect that Mbosso has for Diamond and the leaders of Wasafi Records, Diamond has opened the doors to Mbosso to go out and explore as an independent artist. Nine new artists are set to be signed in 2025.</blockquote>

READ: <a target="_blank" class="editor-link" href="https://www.pulselive.co.ke/articles/entertainment/esma-platnumz-recounts-devastating-moment-her-son-died-in-front-of-her-2025012909170688090">Esma Platnumz shares heartbreaking story of watching her 7-year-old son die</a>

<h3>Diamond confirms discussions are finalised</h3>

Diamond himself confirmed that discussions with Mbosso had been ongoing and that everything had been settled amicably.

<blockquote>Tumekua na mazungumzo mazuri na @mbosso namna ya kuanza rasmi sasa kusimamia kazi zake na tumekamilisha jambo letu vizuri sana. Tafadhali, story yoyote inayozungumzwa kuhusu jambo hili la Mbosso naomba zipuuzwe, mpaka mimi binafsi na Mbosso tutapotoa tamko rasmi.</blockquote>

Mbosso had previously expressed his desire to leave Wasafi on good terms, ensuring there would be no animosity between him and his former label.

<blockquote>Nikitakiwa niondoke Wasafi basi nafikiria wakina Diamond wataniambia ‘sasa hivi unatakiwa uondoke hapa, yaani ushakuwa, ushakuwa babu… Nataka nikae kwenye nafasi ambayo sitaki iwe na chuki na mtu yeyote.</blockquote>

READ: <a target="_blank" class="editor-link" href="https://www.pulselive.co.ke/articles/entertainment/celebrities/mbosso-khan-sheds-light-on-the-genesis-of-strained-relationship-with-otile-brown-2024072914005502915">Mbosso sheds light on the genesis of strained relationship with Otile Brown</a>

<h3>Previous exits from Wasafi Records</h3>

Mbosso joins a list of other artists who have left Wasafi Records over the years, including Harmonize, Rayvanny, and Rich Mavoko. Harmonize had to pay Tsh500 million (Sh22.4 million) to buy out his contract, while Rayvanny parted with Tsh1.3 billion (Sh68.9 million).

Rich Mavoko’s exit, however, was controversial, and his relationship with Wasafi remains strained.

Mbosso joins a list of other artists who have left Wasafi Records over the years, including Harmonize, Rayvanny, and Rich Mavoko.

Diamond finally addresses Mbosso’s exit from Wasafi Records

Toilet bowls are an everyday fixture in households worldwide, yet they are often surrounded by a swirl of myths and misconceptions.

From flushing directions influenced by the Earth's hemispheres to the terrifying tales of creatures crawling up the plumbing, it's time to flush away these myths and uncover the truth.

<h3>1. The coriolis effect determines toilet flushing direction </h3>

One of the most enduring myths is that the Coriolis effect—the force that arises from the Earth’s rotation—determines the direction water spins in toilets across different hemispheres: clockwise in the Northern Hemisphere and counterclockwise in the Southern Hemisphere.

In reality, the Coriolis effect does influence large-scale weather patterns like hurricanes, but it's far too weak to affect the water in your toilet bowl.

READ: <a href="https://www.pulselive.co.ke/lifestyle/step-by-step-guide-on-how-to-remove-stubborn-yellow-stains-from-your-toilet/cr5vb4q">Step-by-step guide on how to remove stubborn yellow stains from your toilet</a>

The direction of water in a toilet bowl is determined by the design of the toilet and the angle at which water is directed into the bowl, not by hemispheric location.

<h3>2. Rodents and reptiles can regularly climb up through your toilet </h3>

The thought of opening a toilet lid to find a rat, snake, or other creature staring back is enough to make anyone's skin crawl.

Urban legends and some viral videos have fueled this fear, suggesting that these incidents are common.

While not impossible, it's highly unlikely. Most modern plumbing systems are designed with various traps and vents that make it difficult for creatures to make this journey.-

Incidents where animals are found in toilets are rare and usually involve specific circumstances or damage to the plumbing systems.

Leaving toilet brushes in their holders can cause bacteria to grow.

Scrubbing the inside of your toilet and placing the wet, soiled brush back into a canister isn't exactly hygienic. The moist environment inside the holder is the perfect breeding ground for bacteria. With that in mind, you may want to clean the brush before you actually use it to clean your toilet bowl. Cleaning-services professional Esther Gantus told Over Sixty that a toilet brush should be regularly soaked in disinfectant for at least a few hours to help stop the growth of bacteria.

<h3>3. You can catch diseases directly from toilet seats </h3>

The idea that sitting on a public toilet seat can transmit sexually transmitted infections (STIs) or other serious diseases is a common fear.

Most pathogens that might be found on a toilet seat, like those causing STIs, do not survive long on cold, hard surfaces.

Furthermore, these bacteria and viruses need a point of entry, such as a cut or sore. General skin contact with a toilet seat is not a sufficient route of transmission.

Regular cleaning and basic hygiene practices are adequate to manage any risk.

<h3>4. Flushing with the lid up is harmless </h3>

It may seem trivial to close the toilet lid before flushing, but doing otherwise can have unsanitary consequences.

The bathroom was in the very back of the trailer, and the space was larger than I thought it would be. It had a modern toilet, bowl sink, and a bathub-and-shower combo.I was also given a collection of towels and toiletries similar to what you'd find at a hotel.

READ: <a href="https://www.pulselive.co.ke/lifestyle/ventilation-and-4-sensible-reasons-why-doors-in-public-toilets-are-made-short/sl1rlmz">5 reasons public toilets are designed with short doors &amp; huge spaces under stall partitions</a>

Flushing with the lid up can cause a phenomenon known as 'toilet plume,' where droplets are propelled into the air, potentially spreading bacteria and viruses present in the bowl.

Simple as it sounds, closing the lid before flushing can significantly reduce the spread of germs.

This content was generated by an AI model and verified by the author.

Despite being a mundane fixture in daily life, the toilet bowl is surrounded by a flush of myths and misconceptions

Truth about 4 common toilet bowl myths

Falling in love at work is a scenario many people can relate to, but it can also feel like a delicate situation. When emotions begin to blossom for a colleague, it’s crucial to evaluate the situation carefully.

Work relationships can affect your professional life, team dynamics, and even your reputation.

If you're realising that you're falling in love with your colleague, here are some important steps to take, along with a look at the potential impacts of your decisions.

Before you act on your emotions, take some time to reflect. Are you truly in love, or is it a temporary infatuation?

Sometimes, the intensity of seeing someone daily can create a sense of attraction that might not necessarily be love. It's essential to be honest with yourself about the nature of your feelings.

If you rush into a relationship without understanding your feelings, you risk making decisions that could lead to regret.

It’s better to be sure about your emotions than to risk putting your job and relationships at risk.

<h3>2. Consider the workplace dynamics</h3>

Workplace relationships can be tricky. Consider your company's policy on office romances.

Some organisations have strict guidelines or even prohibitions on romantic relationships between colleagues, especially those working closely together or in supervisory roles.

If your company has a policy against such relationships, proceeding could lead to disciplinary action or even job loss. Even if your company is more lenient, the dynamics of your work environment might change, affecting your comfort, productivity, and relationships with other colleagues.

If either you or your colleague holds a position of power over the other, such as a supervisor-subordinate relationship, extra caution is needed. Power imbalances can lead to misunderstandings, accusations of favouritism, or harassment claims if the relationship is not handled carefully.

Relationships with power dynamics can be scrutinised, and even if they are consensual, they can lead to awkwardness or potential legal issues. Make sure you consider how the hierarchy could affect both your professional life and the relationship itself.

<h3>4. Weigh the risks of public scrutiny</h3>

Office relationships often attract attention, whether you want them to or not. Colleagues may notice, gossip, or make assumptions about your relationship. Even if you try to keep things private, it’s difficult to avoid the scrutiny of your peers.

Public knowledge of your relationship could create discomfort in the office and affect your reputation. Some colleagues might feel uncomfortable working with you, or it could lead to other colleagues perceiving you as less professional.

If you feel confident about your emotions and your colleague reciprocates, the next step is communication. Have an honest conversation about your feelings and ask if they are interested in pursuing a romantic relationship. It’s crucial to ensure that both of you are on the same page and that any potential relationship won't disrupt your work-life balance.

Clear communication can help establish mutual understanding and avoid misunderstandings. However, if your colleague doesn’t feel the same way, it’s essential to respect their feelings and proceed professionally, despite any discomfort.

If both of you agree to move forward with a relationship, establishing boundaries is essential. Keep personal matters separate from work and maintain professionalism in the office. Be conscious of how your relationship affects the work environment and colleagues' perceptions.

Setting clear boundaries ensures that your relationship doesn’t interfere with your work duties or professionalism. It helps maintain the integrity of your role and prevents issues such as accusations of partiality or neglecting your work responsibilities.

<h3>7. Prepare for possible outcomes</h3>

Consider both positive and negative outcomes. Relationships at work can lead to genuine connections, but they can also result in awkwardness, conflict, or a messy breakup. Be realistic about the potential impact on your career, especially if things don’t work out.

A breakup could cause tension in the workplace, especially if you and your colleague have to continue working together. If things go wrong, it may also affect your job performance and even your future opportunities within the company.

Falling in love with a colleague can be exciting, but it’s important to navigate the situation with care. Take the time to evaluate your feelings, understand the workplace dynamics, and communicate openly.

Are you truly in love, or is it a temporary infatuation?

The decisions you make can have lasting consequences on your career, relationships with colleagues, and overall work environment

7 ways to navigate a crush on a colleague without risking your career

Hard water, often sourced from boreholes, contains high levels of minerals like calcium and magnesium.

While generally safe to consume, these minerals can have negative effects on household items, especially utensils.

Over time, hard water can create unsightly marks on your dishes, cutlery, and glassware, reducing their shine and making them look unclean even after washing.

<h3>How hard water affects your utensils</h3>

<h3>1. White spots on glassware</h3>

One of the most common effects of hard water on utensils is the formation of white, chalky spots on glassware.

These spots are due to mineral deposits left behind as water dries, creating a cloudy appearance on your glasses and other clear surfaces.

<h3>2. Streaks and film on cutlery and dishes</h3>

Hard water leaves behind mineral films, which can appear as streaks on metal surfaces like cutlery and utensils.

This film often appears as a white residue on plates and stainless steel cutlery, making them look dirty despite a thorough wash.

<h3>3. Limescale build-up on cooking utensils</h3>

Limescale, a chalky substance formed by calcium carbonate, builds up over time, especially on metal pots, kettles, and pans.

This residue can lead to discolouration and impact the performance of your cooking utensils, as well as increase wear on the material.

For example, kettles may take longer to boil if limescale accumulates on the heating element.

<h3>4. Reduced efficiency of dishwashers and washing agents</h3>

Hard water reduces the effectiveness of soaps and detergents.

The minerals react with the detergent, forming a residue that reduces the soap's ability to create a lather, making it harder to thoroughly clean your utensils and dishes in a single wash cycle.

<h3>How to keep your utensils sparkling in hard water areas</h3>

<h3>Rinse utensils with vinegar</h3>

Vinegar is a natural and effective solution for hard water stains. Soak your utensils in a mixture of equal parts water and vinegar for a few minutes, then rinse thoroughly.

The acidic nature of vinegar helps dissolve mineral deposits, restoring shine to your glassware, cutlery, and dishes. This method works best for spot-cleaning or regular maintenance.

<h3>Use a water softener</h3>

Installing a water softener can reduce the mineral content in your water supply, significantly reducing its hardness.

Water softeners work by exchanging calcium and magnesium ions with sodium ions, thereby reducing limescale build-up.

<h3>Apply lemon juice</h3>

Lemon juice, like vinegar, has acidic properties that can help break down mineral deposits. After washing your utensils, wipe them down with a cloth soaked in lemon juice.

This not only removes stubborn stains but also leaves your dishes with a fresh, citrusy scent. For heavy build-up, try soaking items in lemon juice for 5–10 minutes before rinsing.

<h3>Invest in hard water-friendly detergents</h3>

Some detergents are formulated to work well in hard water conditions.

These detergents contain specific agents that prevent minerals from binding to your utensils, helping reduce the appearance of spots and streaks.

Look for dishwashing liquids or powders specifically labelled as effective in hard water.

<h3>Rinse with filtered water</h3>

If installing a full water softening system isn’t feasible, try using filtered or purified water for the final rinse when washing utensils by hand.

This can help eliminate any remaining minerals, especially when cleaning delicate glassware or utensils with intricate detailing.

<h3>Dry your utensils immediately</h3>

Air-drying can worsen the appearance of water spots, as it allows minerals to set in. To prevent this, dry your utensils immediately after rinsing them.

A soft, lint-free cloth is ideal for this task, as it will help polish the surfaces and prevent mineral deposits from accumulating.

This content was generated by an AI model and verified by the author.&nbsp;

Hard water can be a challenge for maintaining sparkling clean utensils, but with the right approach, you can effectively manage its effects

4 ways hard water affects your utensil, how you can keep them sparkling clean

President William Ruto has nominated Interior Cabinet Secretary Professor Kithure Kindiki to the National Assembly as his choice to succeed Rigathi Gachagua, who the Senate impeached on Thursday.

During today's parliamentary session, National Assembly Speaker Moses Wetang'ula confirmed that President Ruto had officially selected Professor Kindiki as the new Deputy President.

"I, WILLIAM SAMOEI RUTO, President and Commander-in-Chief of the Kenya Defence Forces, pursuant to Article 149 (1) of the Constitution, do hereby nominate PROF. KITHURE KINDIKI, PhD, EGH, for consideration and confirmation through a vote of the National Assembly to be the next Deputy President of the Republic of Kenya," read the Speaker.

Following the impeachment of Deputy President Rigathi Gachagua, President William Ruto is constitutionally mandated to follow a set protocol to fill the vacant position.

This process, as outlined in both the Kenyan Constitution and a recent Kenya Gazette notice, ensures the orderly succession in the executive branch of the government.

President William Ruto and Interior Cabinet Secretary Kithure Kindiki

READ: <a href="https://www.pulselive.co.ke/news/local/protocol-timelines-ruto-has-in-appointment-of-new-deputy-president/ce8ykb0">Timelines, protocol for appointing new Deputy President</a>

The National Assembly now has up to 60 days to vote on the President's nominee, either approving or rejecting the choice.

According to Article 148 (8) of the Constitution, the term served by the new Deputy President depends on the remaining time before the next general election:

If the new Deputy President assumes office with more than two and a half years remaining before the next scheduled election, they will be considered to have served a full term.

If less than two and a half years remain, the new Deputy President will be deemed to have served no term, allowing them to serve again in future elections potentially.

Interior CS Kithure Kindiki speaks during a past meeting

READ: <a href="https://www.pulselive.co.ke/news/local/details-of-kithure-kindikis-4-brothers-who-are-all-professors/q6l41qt">Details of Kithure Kindiki's 4 brothers who are all professors</a>

Kindiki has also been cleared by the Kenya Revenue Authority (KRA), the Ethics and Anti-Corruption Commission (EACC), the Directorate of Criminal Investigations (DCI), the Higher Education Loans Board (HELB), and the Commission for University Education. (CUE).

The Interior CS now awaits the nod from the National Assembly because he can take oath and assume the office of the Deputy President.

President William Ruto has nominated Interior Cabinet Secretary Professor Kithure Kindiki to the National Assembly as his choice to succeed Rigathi Gachagua, who the Senate impeached on Thursday.

Ruto nominates new Deputy President

Kenyan cuisine is rich in flavours and traditions, with a wide variety of dishes that are both delicious and nutritious.

However, like in many cultures, certain popular foods offer little to no nutritional value despite their widespread consumption.

These foods, often high in refined sugars, unhealthy fats, and empty calories, provide minimal essential vitamins, minerals, or fibre.

While they may satisfy hunger or cravings, regularly including them in your diet can lead to health issues over time. In this list, we explore ten Kenyan foods that, despite their popularity, contribute very little to the body’s nutritional needs.

<h4>1. Matumbo (Tripe)</h4>

Tripe, the stomach lining of cows or other animals, is a traditional food in many cultures.&nbsp;While it is a source of protein, it offers little else in terms of essential nutrients.

Matumbo is low in vitamins and minerals like iron and calcium, making it a less nutritious option compared to other protein sources like beef or chicken.

Its high cholesterol content can also contribute to health risks when consumed frequently.

<h4>2. Processed Meat Products (Sausages, Smokies)</h4>

Processed meats such as sausages and smokies, which are commonly sold by street vendors, are filled with preservatives, sodium, and unhealthy fats.

They offer little in the way of nutrition, with low-quality protein and high amounts of additives.

<h3>3. Chips (French Fries)</h3>

Chips are a beloved fast food in Kenya, especially when served with accompaniments like kachumbari.

However, they are typically deep-fried in unhealthy oils, which adds empty calories and trans fats.

Kenyans may soon be forced to dig deeper into their pockets to afford a plate of French fries as acute shortage of Irish potatoes bites

While potatoes are naturally nutritious, the frying process depletes most of their nutrients, leaving behind a high-calorie, low-nutrient food.

<h4>&nbsp;4. Instant noodles</h4>

Instant noodles, a quick and affordable meal option, are highly processed and typically contain refined carbohydrates, unhealthy fats, and excessive sodium.

These noodles offer little nutritional value and can contribute to poor heart health and high blood pressure when consumed regularly.

I added water and microwaved the ramen for four minutes per the instructions. The noodles were tender, the chicken was a bit spongy and sweet, and the salty soy-based broth was tasty without being overpowering.They were a great size for a small but satisfying lunch, though far less portable than other forms of ramen. And at $18 for six bowls, they didn't seem like a very good value.

Flavoured ice lollies, commonly sold by vendors on hot days, are made from artificial colours, flavours, and sugar.

They offer no vitamins, minerals, or fibre, making them a treat that has zero nutritional value beyond satisfying a sweet craving.

An AI-generated image of a well-prepared plate of matumbo, garnished with fresh herbs and served with a side of white rice.

These foods, typically loaded with unhealthy fats, and empty calories, offer very little in terms of essential vitamins, minerals, or fibre.

Matumbo, 4 other foods with zero nutritional value to the body

In a world where smartphones are nearly as ubiquitous as the air we breathe, maintaining proper phone etiquette in public spaces is more important than ever.

While these devices keep us connected to others and serve as powerful tools for work and leisure, their misuse can be disruptive and impolite.

This article delves into the essential dos and don’ts of phone etiquette to ensure respectful and considerate behavior in public settings.

<h4>1. Keep your conversations private</h4>

One of the most common faux pas is speaking loudly on the phone in public. Whether you're in a restaurant, on public transport, or in a waiting room, it’s crucial to keep your voice down.

If you must take a call, speak softly or step outside to avoid disturbing others around you. Remember, everyone doesn't need to hear the details of your personal or business discussions.

READ: <a href="https://www.pulselive.co.ke/lifestyle/beauty-health/habits-that-could-get-you-banned-from-the-gym/ycspv5n">10 irritating habits that could get you banned from the gym</a>

Listening to music or watching videos on your phone can be a great way to pass the time, but always use headphones.

Playing media out loud not only violates the sound space of those around you but also implies a lack of awareness and respect for public coexistence.

Moreover, ensure your headphone volume is at a level where you remain aware of your surroundings, especially in potentially hazardous environments like crossing streets or navigating busy areas.

When in social settings or gatherings, excessive phone use can be perceived as disengaged or rude behaviour.

While it’s okay to check your phone occasionally, being glued to your screen can alienate those around you.

Prioritize face-to-face interactions when you’re with others to foster better connections and demonstrate that you value their company.

An AI-generated image of a woman looking at her phone (Hotpot.ai)

READ: <a href="https://www.pulselive.co.ke/lifestyle/food-travel/10-unwritten-rules-you-should-know-while-using-matatus/0wxry8w">9 unwritten rules you should know while using matatus</a>

<h4>4. Avoid phone use in restricted areas</h4>

Be aware of and respect rules regarding phone use in specific public areas like theatres, hospitals, libraries, and certain religious or cultural sites.

In such places, using your phone can not only be disrespectful but also prohibited. Always look for signs or ask for guidelines if you’re unsure about the phone usage policy in a particular location.

<h4>5. Be considerate with photography</h4>

Smartphones make it easy to capture and share moments instantly but always ask for permission before photographing people, especially in private settings.

By following these simple guidelines, you can ensure that your use of technology contributes positively to shared environments and reflects a courteous and attentive demeanour

Amos Robi

Articles written by the author

How your friends' 'help' keeping you in a debt trap

Diamond finally addresses Mbosso’s exit from Wasafi Records

Truth about 4 common toilet bowl myths

7 ways to navigate a crush on a colleague without risking your career

4 ways hard water affects your utensil, how you can keep them sparkling clean

Ruto nominates new Deputy President

Matumbo, 4 other foods with zero nutritional value to the body

7 tips to master phone etiquette in public spaces

8 health aspects to watch in your ageing loved ones

5 habits your child is picking up from their teacher that you may not notice

Ladies: 8 things that will make men notice you in seconds

Everything to know about Adenomyosis & how it affects women during menses

9 benefits that come with renting a house compared to owning one

7 attires to avoid if you struggle with sweaty feet and hands

9 low-maintenance plants to add vibrancy to your home

11 essential hacks for persons living alone

Why no phones will be allowed in Dave Chappelle's sold-out Nairobi show

Rising trend: Why people with good hearing are using aids