Vincent Kazibwe, a <a href="https://www.thenationalnews.com/world/africa/potential-for-violence-and-intimidation-as-ugandans-head-to-polls-un-says-1.1145799" target="_blank">Ugandan national</a>, started his career at the age of 19 as a cleaner with a labour company in Dubai. “I left school in 11th grade and moved to Dubai from Uganda in 2016, when I was 19. The work was gruelling – 12-hour shifts with only one day off each month. However, I was determined to improve my situation,” he says. The 27-year-old focused on <a href="https://www.thenationalnews.com/business/money/2023/08/23/why-upskilling-is-much-more-than-a-quick-fix/" target="_blank">upskilling himself</a>, worked his way up the ladder, and now works as the <a href="https://www.thenationalnews.com/business/money/2024/02/12/uae-salary-guide-2024/" target="_blank">marketing head </a>at Luxbridge International Realty in Dubai. Also an entrepreneur, he runs a <a href="https://www.thenationalnews.com/business/money/2023/08/31/digital-marketing-jobs-best-paying/" target="_blank">digital marketing </a>agency in Uganda. “I did a certification in <a href="https://www.thenationalnews.com/news/uae/2024/06/06/global-hospitality-sector-faces-staffing-crisis-as-employees-shun-non-remote-jobs/" target="_blank">hospitality management </a>and used that to move from my job as a cleaner to <a href="https://www.thenationalnews.com/business/economy/2024/01/10/uaes-al-habtoor-group-issues-notice-of-investment-dispute-against-lebanon/" target="_blank">Al Habtoor Group, </a>where I worked as a receptionist at their tennis academy," he says. “Currently, I am saving funds from both my job and company revenue to expand my company’s reach within Uganda and internationally, including plans to enter the Malaysian market.” Mr Kazibwe rents a studio apartment in <a href="https://www.thenationalnews.com/news/uae/2024/04/14/my-dubai-rent-digital-content-creator-loves-watching-people-from-her-marina-apartment/" target="_blank">Dubai Marina </a>and supports his family, that includes his mother and five siblings. My first job was a cleaner in a labour company and my salary was Dh800 ($217.8). I worked there from 2016 to 2017. Later, I moved to Al Habtoor Group as a cleaner for Dh1,000 a month, but used my credentials to get promoted to <a href="https://www.thenationalnews.com/uae/filipina-who-won-dubai-s-dh1m-lottery-will-keep-receptionist-job-1.1147541" target="_blank">a receptionist </a>in the company, with a monthly salary of Dh1,800. By mid-2019, I began exploring digital marketing, taking multiple courses online. The onset of the pandemic accelerated my transition into this field, as I started taking on <a href="https://www.thenationalnews.com/uae/uae-jobs-and-salaries-top-10-side-hustles-to-make-extra-income-this-summer-1.1250152" target="_blank">freelance projects through Fiverr and Upwork</a>, which helped me survive financially and build my career in performance marketing. I got my first job in <a href="https://www.thenationalnews.com/business/comment/2022/01/02/five-digital-marketing-trends-that-can-help-businesses-in-2022/" target="_blank">digital marketing </a>with a company called Voltro, which is part of venture studio Falkenherz Group, for a salary of Dh4,500 in 2021. Later that year, I was hired by an Indian company called FlexifyMe as a full-time digital marketing manager on a salary of Dh7,000. I worked there until 2022. In 2022, I founded my own marketing agency, Marketyme Digital, in Uganda. It took about a year to break even. I <a href="https://www.thenationalnews.com/business/economy/2023/05/25/eight-out-of-10-women-entrepreneurs-in-uae-tap-into-personal-savings-survey-finds/" target="_blank">started the business with personal savings</a>, without any bank loans. In 2023, I joined FLC Group in Dubai on a salary of Dh7,500 per month [before moving to Luxbridge International Realty this year]. I joined Luxbridge International Realty in Dubai on a monthly salary of Dh12,000 for the first three months. This later increased to Dh15,000. I work as the marketing head. I currently earn up to Dh24,000 per month, with most of that coming from my full-time role at Luxbridge. My company [in Uganda] generates more than Dh16,000 worth of revenue each month. I have expenses worth Dh5,500 and the rest of the money is my dividends. That adds to my income, which is cumulatively worth up to Dh24,000 a month. I started from earning Dh800 to Dh24,000 in just seven years – a 2,900 per cent increase. I <a href="https://www.thenationalnews.com/business/money/2022/03/08/try-these-six-money-saving-challenges-that-can-pay-off-in-the-long-term/" target="_blank">don’t manage to save </a>because I take care of my family’s expenses in Uganda. I also put most of the money that I generate back into my company ... to expand my business. We have opened additional offices, hired more staff and are about to add below-the-line marketing as a service, too. For example, I had some money left after all expenses last month. I bought an uninterruptible power supply worth Dh6,500 from China. In Uganda, there are power blackouts. As a digital company, this affects the delivery of our work. I invested in <a href="https://www.thenationalnews.com/business/money/2024/04/18/binance-licence-dubai/" target="_blank">cryptocurrency exchange Binance </a>last year, but it didn't work out. I lost around $3,000 in four months. So, I decided to focus on investing in my company. Not yet, but I plan to buy a house in Ajman because it’s cheaper than Dubai. In my home country, I have taken out a seven-year mortgage for a three-bedroom apartment worth about Dh260,000 for my mother. I have one credit card, which I pay off in full every month. I don't use more than 30 per cent of my credit card limit. My monthly bill comes up to Dh1,400. I don't have a car loan. I bought a car worth Dh25,000 and paid for it with cash. No. We don't have any <a href="https://www.thenationalnews.com/business/money/2023/02/28/how-to-transfer-wealth-to-the-next-generation/" target="_blank">generational wealth</a>. My father’s parents were migrants in Uganda after escaping the <a href="https://www.thenationalnews.com/opinion/comment/2024/04/07/rwanda-genocide-reconciliation-conflict-peacebuilding/" target="_blank">genocide in Rwanda</a>. They died when my father was six or seven years old, so we did not inherit any wealth. I've been watching a lot of <a href="https://www.thenationalnews.com/business/money/the-steps-gen-z-must-take-to-achieve-financial-freedom-pocketful-of-dirhams-1.1100150" target="_blank">YouTube videos on how to manage finances</a>. I do not have any formal education on how to manage funds, which is a big problem that I'm facing. I struggle with money management. My major monthly expenses are for house rent, petrol and family. I also spend on my company. I usually invest on buying laptops, chairs and tables for my business. I also spend on food because I don't know to cook, so I usually dine out. I don't do formal budgeting. When my salary comes, I pay off the most important things like rent, fill my car with petrol and <a href="https://www.thenationalnews.com/business/money/2024/02/22/a-simple-guide-to-choosing-the-right-credit-card/" target="_blank">pay off my credit card</a>. Yes, I worry about money sometimes because I am the head of my family. This is why I have taken on the responsibility to train my brothers, who are aged 22 and 19, on <a href="https://www.thenationalnews.com/business/money/2024/08/28/how-understanding-financial-beliefs-can-lead-to-better-money-decisions/" target="_blank">how to make money</a>. I don't have <a href="https://www.thenationalnews.com/business/money/2023/07/19/emergency-fund-a-top-financial-goal-for-uae-savers-survey-finds/" target="_blank">an emergency fund</a>, but I have taken life insurance in Uganda. The company deducts Dh300 from my business account every month. This plan is valid for five years. I haven’t started <a href="https://www.thenationalnews.com/business/money/2023/10/03/this-is-the-age-you-should-start-saving-for-retirement/" target="_blank">saving for my retirement</a>. I could still work for the next 10 years. I plan to retire in my early 40s. After retirement, I plan to train my siblings on how to manage my business. In the short term, my financial goal is to earn a higher salary on this job. In the long term, after paying off my mother's house in Uganda, I will focus on expanding my company, buying a house in Ajman and opening a branch of my company in Dubai. This is about two to three years from now. My idea of <a href="https://www.thenationalnews.com/business/money/2024/02/23/what-are-the-steps-to-achieve-financial-freedom/" target="_blank">financial freedom </a>would be to quit my job, run my own company, generate money and travel with my family. If my business is thriving the way it is now, I would travel around Asia with my siblings. <i>Do you want to be featured in My Salary, a weekly column that explores how people around the world manage their earnings? Write to </i><a href="mailto:pf@thenationalnews.com" target="_blank"><i>pf@thenationalnews.com</i></a><i> to share your story</i>