Master Your Money, Master Your Life
Tips on saving, debt management, and smart money habits
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