The True Cost of “Me”

Sheila* wrote to me a few days ago and said that her emergency fund did not work. Sheila has recently been retrenched but that’s not the problem. While working she had tried  to plan her money [...]

The Poverty of Quick Money

Keith has finally hit the jackpot!  He has won one hundred million shillings in the lottery. His dream has finally come. He is rich beyond his wildest imagination. He can finally live the life he [...]

Steps To Get You Out Of Debt

Do you feel like debt has defeated you? We recently started a help group for debt on Facebook and people have been sharing their debt stories.  Most of us are in debt in one form or the other.  [...]

Budgets Made Practical

Akoth keeps a budget.  Many of us do not like this term though logically we know we should be keeping one. In our Centonomy classes we ask people what they feel when they hear the word budget and [...]

Easy Payment is a Trap

Have our lives become one big repayment?  Many years ago, I used to wonder how in the West they managed to do everything on repayment. You could buy clothes on a monthly repayment through store [...]

The Emergency Fund 

  Many people, myself included, have learnt the hard way about the importance of an emergency fund.  I was talking to a friend of mine who had asked me to help her with her finances last [...]