How to Track and Manage Your M-Pesa Spending in Kenya

Kenyan employee celebrating payday after receiving salar

M-Pesa has transformed how Kenyans handle money. From paying bills and shopping to sending pocket money and taking loans, it’s no exaggeration to say M-Pesa is the backbone of financial transactions in Kenya. But here’s the challenge: while M-Pesa makes spending easy, it also makes it harder to track your money. Before you know it, … Read more

How to Manage Your M-Pesa and Bank Transactions in One Place

Jielewe app showing combined bank and M-Pesa transactions for budgeting.

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

How to Escape the Fuliza Trap: Smart Money Tips for Kenyans

Kenyan mobile user checking Fuliza overdraft balance on M-Pesa.

In Kenya today, Fuliza has become a daily lifeline for millions. Whether it’s paying for food, transport, or emergencies, M-Pesa’s overdraft service offers instant access to cash when you need it most. But here’s the reality: Fuliza is not free money. High fees and interest can trap you in a debt cycle, making it harder … Read more

How to Budget Your M-Pesa Money Like a Pro in Kenya

Kenyan student using Jielewe app to avoid Fuliza loans and save money

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