Features
The Water Palaver
When Ghanaman is relaxing at home and hears a knock at the door, he is likely to suspect that a Jehovah Witness man show him the best tax-free way to heaven. If it is not the Jehovah Witness man with the black bag, then it must be the landlord coming to talk nonsense.
“Yes, come in.” “You owe us ¢350,000 in water bills. We’re in to disconnect.”
“Wait a minute. Your presence is giving me heart attack, so come back later for payment.
Fact is I’m allergic to water bills.”
Some people don’t care a damn about electricity disconnection. No light, so what? What they are scared about is water cuts. They can cause instant diarrhoea. And soon, water and electricity costs are going to be increased, and an epidemic of diarrhea is highly expected.
It is, however, very difficult to disconnect some consumers because they make conscious efforts not to get cut off.
One favourite method is to train a dog which can detect a disconnector from a normal human being and do the chasing out accordingly. The dog must have appetite for human leg or human balls.
Another way is to allow yourself to be disconnected and then you can go to the water or electricity company, dressed in suit with a deep-frown on your face. That is where you can blow your horn.
“The interior minister is my brother-in-law. I command you by state power to reconnect me before I change gears. You don’t respect? If you don’t know me go and ask. Kofi Annan was my classmate. If you play, I’ll deal with you at the United Nations level.”
Sometimes, officials can take the bluff as very authentic and proceed to re-connect Kofi Annan’s classmate. But others will feel they are doing their job and the interior-minister’s in-law’s big mouth has nothing to with the execution of official assignments.
“Well, we know the Interior-Minister is related to you. But the bill must be settled anyway. If you can settle half, we’ll re-connect and give you time to settle the rest.”
It turns out that the man finally settles the bill, but doesn’t even know how Kofi Annan like.
As for his relationship with the interior Minister, it can only be at best, a dog’s imagination.
At any rate, Ghanaians are waiting for the new utility rates and are also hopeful that a corresponding raise in salary will be in place to absorb the shock.
Now Electricity Company and Ghana Water Company have many problems they would have to solve. One of them is waste. With electricity, illegal connections are very common and many are using power and paying nothing for it.
Others are using air-conditioners and pay nothing because they connect the wires in such a way that power used does not go through the meter and is, therefore, not recorded. What the company loses in a month countrywide is so huge that if it can be recovered, the company would be on rather good footing
The problem also is that, consumers who are disconnected have become wiser than the serpent. Some have taught themselves Basic Principles in Electricity. Many housewives know the principles better than any electrical engineer at ECG.
When you disconnected power to their homes, they simply wait for five minutes and reconnect. No sweat!
It is a simple procedure they have repeated so many times that they are no longer worried about and disconnection.
So bills pile up and ECG is helpless, and goes whining about the need to increase tariffs without really tackling the waste problem.
With water, it might be worse. People have illegal connections through which they sell water for their own pockets. Some pipes have burst for over six months and no one is bothered. People report leakages and no one is worried.
Ghana Water Company is not doing well because of waste. You can’t import expensive chemicals to purify water and let it go waster. No company can thrive on a system that is not bothered about waste.
So Ghana Water Company better wake up and save water. In some countries, water is imported. If we have it here, we should learn to conserve it.
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
SKIP THE QUEUE, TAP THE NEWS
You can now read the Ghanaian Times and The Spectator newspapers from the comfort of your device via TimesNewsPlus.
Join our WhatsApp Channel: https://whatsapp.com/channel/0029VbBElzjInlqHhl1aTU27
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.
SKIP THE QUEUE, TAP THE NEWS
You can now read the Ghanaian Times and The Spectator newspapers from the comfort of your device via TimesNewsPlus.
Join our WhatsApp Channel: https://whatsapp.com/channel/0029VbBElzjInlqHhl1aTU27
