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 [...]

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 [...]

Living Smart

Do you live smart? Many of our financial issues arise because of our lifestyles.  We live, eat and exist in a certain way, which then translates into spending in a certain way. When we are not [...]

Things to not do when Broke

“I’m broke”, is such a common statement that we use when referring to the fact that we don’t have money. Very often, people use this statement casually. For example, when they don’t want to turn [...]

The Trap of Easy Debt Payment

Elizabeth works at a manufacturing firm and has drowned herself in debt. It crept up on her slowly. It just started with that first loan to move out of home. Then came time to buy furniture, then [...]