Features
Flood begins with rain but disasters start with us
When the floodwaters swept through parts of Ghana on Monday, June 29, they carried away more than furniture and household belongings. They washed away years of hard work, children’s school books, market goods, and family savings and, tragically, claimed lives.
For the families that lost loved ones, no amount of assistance can replace the pain of the silence left behind by someone who got lost during the torrential rains.
For many other survivors, the ordeal did not end when the rains stopped, but rather will have the Herculean task of rebuilding their lives from almost nothing.
Mothers searched through debris for anything they could salvage. Children stood quietly beside damaged homes, unsure of when life would return to normal. Traders who lost their wares stared helplessly at soaked goods that represented their only source of income.
This is the situation whenever it rains continuously for hours, yet, once the waters recede, many of the behaviours that contribute to these disasters return.
Drains once cleared become clogged with plastic waste. Waterways are treated as dumping sites, while buildings continue to spring up on wetlands and natural drainage channels.
Effects on women, children
For many women, particularly market traders, farmers and owners of small businesses, the floods had erased years of hard work in a matter of hours.
Merchandise have been destroyed, equipment damaged, and incomes disappear overnight.
With many women working in the informal sector and having limited financial protection, recovery is often slow and difficult.
Beyond the economic losses, women frequently carry the added burden of caring for their families during and after disasters. They clean flood-damaged homes, care for children, older relatives and the sick, secure food and water under difficult circumstances, and help restore a sense of normalcy while coping with their own trauma.
Children are equally vulnerable. Floods disrupt their education by damaging schools and making roads impassable. Many children are displaced from their homes, exposing them to health risks, emotional distress and unsafe living conditions.
For children from already vulnerable households, a flood has deepened poverty and interrupted their development in ways that last long after the waters have receded.
Human activities
The scale of destruction witnessed during floods is often magnified by human behaviour.
Drains designed to carry storm water are clogged with plastic waste, discarded household items and other refuse.
Wetlands and natural waterways are encroached upon through unplanned development, leaving floodwaters with nowhere to go.
Although floods affect everyone in their path, women and children often suffer the greatest consequences.
Climate Change
Climate change has made rainfall more intense and unpredictable, but it is the actions of humans that often turn heavy rains into humanitarian disasters.
As the nation reflects on the devastation caused by the recent floods, one question demands urgent attention: How much of this destruction could have been prevented?
Climate change and increasingly intense rainfall are undeniable factors, the uncomfortable truth is that many of these disasters are worsened by human actions.
Choked drains, indiscriminate waste disposal and the encroachment on waterways continue to turn heavy rains into avoidable tragedies.
Climate change has undoubtedly increased the frequency and intensity of extreme weather events, but it is only one part of the story.
UNICEF report
These concerns are reflected in UNICEF’s Children’s Climate Risk Report 2026, which warns that hundreds of millions of children worldwide face multiple climate hazards, including flooding.
According to the report, climate-related disasters threaten children’s health, education, nutrition and protection, with children in vulnerable communities facing the greatest risks.
The report also highlights how existing inequalities often compound the impact of climate emergencies on women and children.
Floodwaters contaminated by waste also increase the risk of outbreaks of cholera, typhoid, diarrhoea and malaria. Pregnant women, nursing mothers, young children, older persons and people living with disabilities are particularly susceptible to these health threats.
United Nations (UN) Women notes that women and children are often disproportionately affected by climate-related disasters because they are more likely to experience poverty, carry greater caregiving responsibilities and have fewer resources to recover from disasters.
When floods destroy livelihoods, existing inequalities become even more pronounced. The painful truth is that many of these losses are avoidable.
Way forward
No drainage system, regardless of how well designed, can function effectively if it is filled with refuse. No flood prevention programme can succeed if wetlands continue to be reclaimed for construction or if sanitation regulations are ignored.
Preventing floods is therefore not the responsibility of government alone. It requires a collective commitment from every citizen.
Proper waste disposal, regular community clean-up exercises, respect for planning regulations and the protection of waterways are simple but powerful actions that can save lives.
Government must equally strengthen waste management systems, enforce environmental and building regulations without compromise, invest in climate-resilient infrastructure and ensure that disaster preparedness and response strategies address the specific needs of women, children and other vulnerable groups.
The United Nations Office for Disaster Risk Reduction has repeatedly emphasised that reducing disaster risk is far less costly than responding to disasters after they occur.
Investing in prevention, strengthening institutions and promoting responsible environmental practices remain among the most effective ways of protecting lives and livelihoods.
The recent floods should serve as more than another headline. They should be a national wake-up call.
Climate change may be beyond the control of any one individual, but how we treat our environment is not. Every plastic bottle thrown into a drain, every illegal structure erected on a waterway and every act of indiscriminate dumping contributes to a cycle of destruction that claims lives and undermines national development.
If Ghana is to break that cycle, environmental responsibility must become a shared national value.
By Esinam Jemima Kuatsinu
On Sunday, October 11, 2026, it was the turn of Ghanaian Catholics in Finland to lead the singing in the church service of the African Catholic Chaplaincy in Finland (ACCF).
It was indeed a spirit-filled feeling for worshippers present. And for the Ghanaian migrants, the occasion also brought back to them memories of church services in their home country, Ghana.
The ACCF has a roster for each country/community to sing from time to time. Next Sunday will be the turn of the Nigerian community. Other communities that usually sing are the Kenyan/Tanzanian community, the Cameroonian, the Ugandan, group, etc.
A powerful religious experience
The mass services of the Chaplaincy usually give a powerful religious experience and a display of cultural diversity, especially in occasions such as when the Bishop of Helsinki, Bishop Raimo Goyarrola, celebrated mass with the Chaplaincy on Pentecost Day, May 24, 2026.
There was a similar time of spiritual joy last month (September 27, 2026) when Emeritus Bishop Teemu Sippo, former Bishop of Helsinki, visited the Chaplaincy. Bishop Teemu was the main celebrant, assisted by the Chaplain, Reverend Father Thomas Otieno.
Last Sunday, Reverend Father Bernard Sor, a Ghanaian Catholic priest based in Austria, was the main celebrant in the mass service where he performed a rite of baptism. Fr Bernard had celebrated mass a few months ago when he visited his sister and her husband in Helsinki. 
All these well-attended religious occasions indeed leave lasting memories. The homilies (peaching) by the priests usually emphasize religious tenets such as the importance of loving and serving God in truth, existing in peace with our fellow humans to promote unity in diversity, etc.
Unity in diversity and a colourful display of cultures
The African Chaplaincy church services usually produce impressive displays of diverse cultures from different parts of Africa and elsewhere. The events are often spiced by rich cultural displays of dances and colourful attires which are a delight to watch.
On special occasions, members of the Ghanaian Catholic community, in their gay and colourful kente attire and with adowa dance and music, usually lead the procession into the church. Other communities such as the Cameroonian, Nigerian, Kenyan and Tanzanian as well as Sudanese/South Sudanese groups also put up well-choreographed performances from their cultures.
The African Catholic Chaplaincy in Finland
The African Chaplaincy was founded on June 4, 2017, which was a Pentecost Sunday, in a Pontifical High Mass celebrated by Monsignor Emeritus Sippo S.C.I., the then Bishop of Helsinki, at the St. Mary’s Catholic Parish Church in Helsinki.
The Chaplaincy was created by Bishop Teemu in collaboration with the Diocesan body when they detected a great flocking of African immigrants to Finland, the majority of whom were Catholics. This was to give the immigrants a possibility to integrate into the Finnish society by worshiping as Catholics and in their African cultural identity.
The responsibility of the Chaplaincy was given by Bishop Teemu to Father Dr Leonard Wobilla Shwei, who is thus the first Chaplain and ably led the Chaplaincy. He was succeeded a few years ago by Father Thomas Otieno, who continues to move the Chaplaincy forward. Thank you!
GHANA MATTERS column appears fortnightly. Written in simple, layman’s terms, it concentrates on matters about Ghana and beyond. It focuses on everyday life issues relating to the social, cultural, economic, religious, political, health, sports, youth, gender, etc. It strives to remind us all that Ghana comes first. The column also takes a candid look at the meanings and repercussions of our actions, especially those things we take for granted or even ignore. There are key Ghanaian values we should uphold rather than disregard with impunity. We should not overlook the obvious. We need to search for the hidden or deeply embedded values and try to project them.
With Dr Perpetual Crentsil
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She did not find out he was cheating. She found out he was drowning.
It was two weeks after their beautiful wedding. The jollof was still in the fridge. A loan officer called her number-not his-and politely asked, “Madam, please tell your husband to pay his overdue loan. We have been calling him.”
That was how she discovered her new husband had entered their marriage with a hidden debt of over GH¢ 40,000. No cheating. No other woman. Just a financial secret.
And that is how many Ghanaian marriages begin to die. Not with a shout, but with a secret alert on a phone.
We prepare for the wedding. We do not prepare for the wallet.
What is money honesty?
Let me define it simply. Money honesty is not that you both earn the same. It is that you both know the same. It is the ability to sit down and say without fear:
“This is how much I earn.”
“This is how much I owe.”
“This is how I was raised to see money.”
“This is what scares me about money.”
Financial transparency is not about control. It is about clarity. You cannot build trust on top of secrets.
Many couples tell me, “Counsellor, we love each other, love will handle money.” I always answer, “Love is the car, but money honesty is the fuel. Love without honesty cannot move.”
How To Buy Your Marriage Insurance Today – My 5-Step Protocol
If you are engaged, newly married, or even 20 years in marriage, you can still fix this. At Counsellor Prince & Associates Consult—CPAC, this is what I give couples:
Step 1: The 90-Minute Money Naked Session.
No phones, no blame. Each partner writes down on paper: Monthly income, monthly debts, monthly family obligations, savings, and your biggest money fear. Then you exchange papers. Read it. Don’t react for 24 hours. Just absorb.
Step 2: Create OUR Money, YOUR Money, My Money.
You need three pots. OUR money for rent, food, school fees, utilities, properties, and the like— joint contribution. YOUR money and MY money—a small agreed allowance no one questions. This stops the feeling of being controlled.
Step 3: The No-Secret Debt Rule.
Agree from today: No new loan, no new hire purchase, no new family financial commitment above GHS 500 without telling each other first. Not permission, but information.
Step 4: Talk About Your Money Personality.
Are you a Spender or a Saver? Are you Risky or Safe? Most Ghanaian marriages are a Spender married to a Saver. Neither is wrong. But if you don’t understand your partner’s personality, you will call his saving “stinginess” and her spending “wastefulness.”
Step 5: Do a Monthly 30-Minute Money Date
Not an argument date. Light, with tea. “How did we do this month? What worried you? What should we plan for next month?” Couples who do this divorce far less.
My Final Word
Before you say “I Do” at the altar, have pre-marital counselling and also have the money talk on the sofa.
Ask your partner:
“If I lost my job today, how long can we survive?”
“What debt are you bringing into this marriage?”
“How much do you send to your family monthly and will that continue?”
If he or she gets angry that you asked, don’t get married yet. A person who is angry about accountability will be abusive about money.
Marriage insurance is not bought at Star Assurance or Enterprise. It is bought in honest conversations when no one is watching.
The wedding costs one day. The marriage costs a lifetime. Don’t enter a lifetime contract and covenant with hidden costs.
You can still insure your marriage today.
Source:
Counselor Prince Offei, CPAC’s founder, is a leading Mental Health Professional, Marriage Counsellor, Author, ADR Expert/Arbitrator, and Spectator Newspaper Columnist. He writes on relationships, marriage, parenting, special needs support, and their connection to mental health. For therapy, counselling, or enquiries, contact Counselor Prince & Associates Consult (CPAC) in Accra on 0559850604 / 0551428486.
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