Master Your Money, Master Your Life
Tips on saving, debt management, and smart money habits
Managing money in Kenya today isn’t easy. Salaries disappear before month-end, M-Pesa transactions happen every minute, and unexpected expenses drain accounts fast. Whether you’re a student, a young professional, or a family provider, one truth is clear: if you don’t track your money, it will control you. This is why many Kenyans are turning to … Read more
For many Kenyans, payday is a moment of relief—but by the second or third week, the salary is already gone. Bills, M-Pesa transactions, Fuliza, and daily expenses drain money so fast that most people end up broke before month-end. This cycle of living paycheck to paycheck creates stress, debt, and financial instability. But the good … Read more
Managing money in Kenya today is more complex than ever. You get your salary through a bank, spend daily with M-Pesa, maybe run a side hustle with cash payments, and still have loans, bills, and goals to balance. The challenge? Keeping track of everything. Many Kenyans find themselves asking: The truth is, separating M-Pesa from … Read more
If you’re Kenyan, chances are that M-Pesa is your main bank. From paying rent, buying food, sending money to family, shopping online, or even taking Fuliza loans, almost every financial transaction passes through your M-Pesa wallet. But here’s the problem: your M-Pesa money disappears too quickly. One minute you’ve received your salary, HELB loan, or … Read more
When you’re a college student or a young professional in Kenya, saving money often feels impossible. Between rent, school fees, transport, data bundles, and daily expenses, there seems to be little left at the end of the month. Add the temptations of nightlife, impulse M-Pesa spending, and online shopping, and saving can feel out of … Read more
Debt is one of the biggest obstacles to financial stability in Kenya today. From Fuliza overdrafts, mobile loans (Tala, Branch, Hustler Fund, M-Shwari), to chama and SACCO debts, many Kenyans feel trapped in a cycle where money comes in only to go out almost immediately. But here’s the truth: Debt doesn’t have to define your … Read more
Budgeting is one of the most powerful tools for financial success. Yet many Kenyans still struggle with the question: “Why doesn’t my budget ever work?” The problem isn’t that budgeting doesn’t work—it’s that most budgets aren’t personalized. They copy-paste Western templates or overcomplicate the process, making it hard to stick with. In this article, we’ll … Read more
M-Pesa is the backbone of Kenya’s financial system. From paying rent, buying groceries, sending money upcountry, to settling bills, nearly every transaction flows through M-Pesa. But here’s the challenge: while the convenience is unmatched, tracking M-Pesa transactions is messy. Receipts get buried in SMS inboxes, fees go unnoticed, and by the end of the month, … Read more
Budgeting isn’t about restriction; it’s about clarity. Yet many Kenyans still feel like money “just disappears.” If that sounds familiar, you’re not alone. Below are the most common budgeting mistakes in Kenya—and how to fix each one today with practical steps and the help of Jielewe. 1) Budgeting from memory (instead of data) The mistake: … Read more