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Entrepreneurship and business expert Windu Matoka has advised newly recruited teachers to start planning about personal financial management and discipline from the onset to avoid a culture of borrowing,

According to Dr Zambia Daily Mail, Matoka says lack of financial discipline among teachers has forced them to resort to borrowing thereby becoming heavily indebted and failing to concentrate on their work.

He said teachers who are financially stressed cannot offer quality education to learners.

“My advice to newly-recruited teachers is that they should start planning personal financial management to avoid borrowing or going into debt because it is detrimental to the effective delivery of quality education.

I want to urge the teachers not to focus on luxuries but use their money on future investment.

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