Jeremiah Wata

𝐍𝐎 𝐍𝐀𝐏𝐒𝐀 𝐍𝐔𝐌𝐁𝐄𝐑 = 𝐍𝐎 𝐉𝐎𝐁 𝐈𝐍 𝐙𝐀𝐌𝐁𝐈𝐀 🚨

The National Pensions Scheme Bill 2026 has changed the game for both employers and job seekers.

Under Section 18(1) of the Bill, it is now illegal for any employer to hire a person who does not have a NAPSA social security number. If you are 16 years old and below retirement age, NAPSA registration is no longer an afterthought — it is now Step 1 of your onboarding, before the offer letter, before the contract, before everything.

Employers who ignore this face penalties of up to 100,000 penalty units or 1 year imprisonment. The old "we'll sort out your NAPSA later" approach is now a criminal offence.

For HR and Payroll Teams:
Your checklist just got stricter. NAPSA verification must come before the offer letter goes out. No NAPSA number, no contract — full stop. With directors now personally liable and 10-day payroll submission deadlines introduced in the same Bill, statutory compliance has moved from a back-office task to a boardroom risk. If your ATS and payroll system do not yet have NAPSA verification built in, that conversation needs to happen today.

For Job Seekers:
This is actually good news. Your NAPSA number is now your employment ID. Register today if you have not already — it protects your 5% contribution and your employer's 5% from day one, and it starts building your retirement pension record with no gaps, no "ghost months." Walk into every interview ready.

As a payroll and compliance practitioner, I have seen too many onboardings delayed or regularised informally around NAPSA. Those days are over. The law is now unambiguous.

If you need help reviewing your payroll compliance framework or HR onboarding process in light of this Bill, feel free to reach out.

TUITIONS FOR ZiCA STUDENTS

Sitting for CA Zambia Level 1?

Enroll for CA 1.1 Financial Accounting Tuitions with Shumba Training Centre Limited.

✅ 100% Online Learning
✅ Exam-Oriented Lessons
✅ Past Paper Practice
✅ Flexible Study Schedule
✅ Interactive Student Support

Course Available:
CA 1.1 Financial Accounting

Exam Session Preparation:
September 2026

Instructor:
Mr. Wata Jeremiah

Build a strong foundation in Financial Accounting and prepare confidently for your ZiCA examinations.

📞 +260 964 219 202
📧 [email protected]

SHUMBA TRAINING CENTRE LIMITED
Knowledge & Proficiency

About NHIMA Contributions for Retirees and Pensioners

💯

Share this information with any retirees or pensioners in your circle.

If you need help with this or any other matters, reach out to me on +260964219202.

Published by: National Health Insurance Management Authority - NHIMA.

Don't let compliance issues take away your peace of mind.

Focus on running your business while I keep your compliance in check ✅

I will file in your returns and process payments for your tax and statutory obligations such as:
✅ Turnover Tax
✅ Pay As You Earn Tax
✅ NAPSA Contributions
✅ NHIMA Contributions
✅ Plus many others

Inbox me for a free consultation.

📌 Avoid penalties & interests
📌 Engage a qualified Accountant
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Inbox or call me today:
0976204822

The Warmer the Blanket, the Colder the Future 😅

💸 𝐖𝐡𝐲 𝐘𝐨𝐮𝐫 𝐒𝐚𝐥𝐚𝐫𝐲 𝐃𝐢𝐬𝐚𝐩𝐩𝐞𝐚𝐫𝐬 𝐁𝐞𝐟𝐨𝐫𝐞 𝐭𝐡𝐞 𝐌𝐨𝐧𝐭𝐡 𝐄𝐧𝐝𝐬 (𝐀𝐧𝐝 𝐇𝐨𝐰 𝐭𝐨 𝐅𝐢𝐱 𝐈𝐭!)

Ever felt like your money just vanishes? One minute you’re paid… next minute you’re broke, stressed, and wondering what went wrong. The truth is simple: without a budget, your money has no direction.

Let’s fix that.

Here are the core principles of personal budgeting that actually work:

🔹 1. Know Your Numbers
If you don’t know how much you earn vs how much you spend, you’re guessing—and guessing is expensive. Track everything. Yes, even that small airtime.

🔹 2. Pay Yourself First
Before bills, before groceries, before anything—set aside savings. Even a small amount builds discipline and security over time.

🔹 3. Separate Needs from Wants
Rent = need. Netflix = want. Be honest with yourself. Most financial problems come from confusing the two.

🔹 4. Give Every Kwacha a Job
Don’t just say “I’ll try to save.” Decide exactly where your money goes: food, transport, savings, business, etc. Money without purpose gets wasted.

🔹 5. Plan for the Unexpected
Emergencies are not surprises—they’re guaranteed. Budget for them. A small emergency fund can save you from big financial damage.

🔹 6. Stay Consistent, Not Perfect
You will mess up. That’s normal. The goal is not perfection—it’s control and improvement every month.

💡 Reality Check:
Budgeting is not about restriction. It’s about control, clarity, and freedom. When you tell your money where to go, you stop wondering where it went.

Start simple. Start today. Even a basic budget is better than none.

📊 Your money should work for you—not disappear on you.