This Personal Financial Management Online Course will help you learn how to manage your
money and debt, how investments work, and how to protect your money. The course is
extremely practical, and you will have the opportunity to work through actual
situations/calculations related to your own personal circumstances. The aim is to develop a
financial plan and investment strategy that ensures you meet your Financial Objectives.
The curriculum has been built from actual real-life scenarios and these case studies will form
part of the learning. Professionals from various fields such as lawyers, property experts,
stockbrokers, fund managers, insurance experts will also form part of the facilitation team during
the course.

The Online Course has 12 modules to be covered in 12 weeks. Students will be required to
attend one class every week for two and a half hours. The modules will have personal
assignments to be done to ensure that the concepts learned are put to practical application and
that progress is continuously being made in developing a personal financial plan.

Enrollment is open for the September Intake. Classes will commence on 29th September 2026. The
classes will be held ONLINE.

The classes take place on Tuesday: 6:00 pm to 8.30 pm

With the Centonomy 101 course you will learn how to:

• Manage your monthly Income and Expenses.
• Tackle Debt Effectively.
• Understand how to make Money Work for You.
• Afford quality Education for your children
• Know where to Invest and Increase your Investment Returns
• Retire and still be able to maintain your desired lifestyle
• Find Financial Peace of Mind and Live Abundantly

Certification:

Upon completion of the program, you get to graduate with the Centonomy Personal Finance Certificate which is NITA (National Industrial Training Authority) Certified.

Contact Us:

Tel: +256 769 241124

Email: dorcas@centonomy or talkcents@centonomy.com

The Centonomy 101 Program is divided into 12 modules as follows:

1. PERSONAL MONEY MANAGEMENT

• Understand  what Wealth Creation is
• Build a Budget/Spending Plan
• Build a Personal Balance Sheet & know your worth
• Build a Spending Tracker and understand where your money goes

2. TIME VALUE OF MONEY

• Understand the principles of Time Value of Money   
• Understand the impact of inflation on our needs and wants
• Retirement Planning and Education Planning
• Set your financial goals, understand what they cost and start working on them

3. MANAGING DEBT

• Different types of debt and how they work (Mortgages, credit cards, bank loans, Sacco Loans etc.)
• Debt Amortization-Understand how your debt payments are calculated and how you can make this work in your favor
• Learn how to Pay Debt Quickly and Save on Interest Costs
• Learn how to get out of debt by creating a Personal Debt Repayment Plan

4. LIVING ABUNDANTLY

• Develop the Mindset of a Wealth Creator
• Use your skills to create income
• Know what you truly want-GOALS

5. INVESTING IN TREASURY BONDS/BILLS & UNIT TRUSTS

• Understand what affects interest rates (Economic Indicators)
• Learn how to invest in Treasury Bonds & Treasury Bills
• Learn how to invest in Unit Trusts

6. INVESTING IN PROPERTY

• Understand the different property sectors
• Understand property development costs
• Learn how to select property investments
• Understand the property acquisition process
• Understand Unit Trusts & Real Estate Investment Trusts (REITS)

7. INVESTING IN THE STOCK MARKET

• Understand the Stock Market
• Learn how to trade in the stock market
• Learn how to evaluate investments in private companies/businesses

8. INSURANCE

• Insurance as an investment option
• Understand how the different Insurance Policies work
• Learn how Education Policies work
• Why Life Insurance

9. ESTATE PLANNING

• Learn the different types Wills, how to draw them up and their importance
• Understanding Trusts, how to create them and their importance
• Understanding Family Companies, how they are created and how they work
• Succession Planning

10. TAXES 

• Understanding your personal taxes
• How do taxes fit into your financial plan?

11. MY FINANCIAL PLAN

• Create a Personal Financial Plan-roadmap to your Goals
• Set targets and action plans to achieve your goals
• Create an Emergency Fund & plan for irregular expenses

 12. INVESTMENT GROUPS, IMPLEMENTATION & GRADUATION 

• Forming, Managing & Creating an Investment Group
• How your Investment Group can be your retirement vehicle
• Working with a Financial or Investment Advisor

Enrollment is open for the June 2026 Intake. Online Classes will commence on 2nd June 2026.
Class options are as follows:
● Tuesday: 6:00 pm to 8.30 pm

Please Note:
If you miss the UG class on Tuesday, you can catch up in the Kenyan Centonomy 101 classes on
Thursday 6-8.30pm or Saturday 9-11.30am EAT within the same week.

Contact us 0n +254795359535 or email talkcents@centonomy.com.
All classes are held ONLINE.

Pricing

The tuition fee for the 12-week course is UGX 1,445,000 (USD 390) and a Registration fee of UGX 45,000 (USD 15) (non-refundable).

• 1st Installment:UGX 510,000 / USD 140 Payment made on or before your first day of
  class
• 2nd Instalment: UGX 510,000 / USD 140 Payment made at the start of the 5 Module
• Final Instalment: UGX 425,000 / USD 110 Payment made at the start of the 9 Module

Total = UGX 1,445,000

Payments

All payments can be made via Mpesa – Send Money to the number +254724011912
(Waceke Nduati Omanga)
● Paypal – Pay to the username finance@centonomy.com or email
finance@centonomy.com for an invoice.

For International Students
The cost for the program is 400 US Dollars paid once before we start class i.e. on the 2nd June 2026.

Payment Details
Bank Name: Centonomy Limited
Bank: Guaranty Trust (Bank) Kenya Limited
Bank Account: 2250011094
Branch: Skypark
Bank Code: 53
Branch Code: 015
Swift Code: GTBIKENA
Bank Transfer (Kindly provide deposit or transfer slip)
Account Name: Centonomy Ltd
Account Number: 2250002966
Bank: Guaranty Trust Bank (GT Bank)
Branch: Skypark