A copy of Making Cents on a wooden table with a cup of black coffee and reading glasses

Money insights for real Kenyan life

Plain-language guides on budgeting, saving, debt and investing, plus Centonomy's own podcast episodes and Open Day recordings.

Featured guide 7 min read

Budgeting

How to make a budget that actually works in Kenya

A step-by-step way to build a monthly budget on a Kenyan income, using an adapted 50/30/20 rule that makes room for family support, chamas and saving.

Centonomy team22 September 2026

Just published Browse all

Saving6 min read

Emergency fund: how much you need and where to keep it in Kenya

Investing8 min read

Money market funds, T-bills or SACCOs: where should your savings go?

Diaspora9 min read

Buying land in Kenya from abroad: a due-diligence checklist

Free money checksThe Financial Clarity Check and Business Growth Check

The library

Read, watch, listen

8 of 8 lessons showing

Topics

African couple reviewing household bills and paperwork at their kitchen table, the woman using a calculator on her phone

Budgeting7 min read

How to make a budget that actually works in Kenya

A step-by-step way to build a monthly budget on a Kenyan income, using an adapted 50/30/20 rule that makes room for family support, chamas and saving.

Close-up of a pile of Kenyan shilling coins

Saving6 min read

Emergency fund: how much you need and where to keep it in Kenya

How to size an emergency fund on a Kenyan income, build it month by month, and choose between a money market fund, a SACCO and a bank account.

Close-up of an African man's hands holding a smartphone outdoors against a soft green background

Investing8 min read

Money market funds, T-bills or SACCOs: where should your savings go?

A plain-language comparison of Kenya's most popular places to grow savings: how each works, who regulates it, how fast you can get your money, and who it suits.

Nairobi city-centre skyline at twilight with lit office towers and streets under a deep blue sky

Diaspora9 min read

Buying land in Kenya from abroad: a due-diligence checklist

The steps Kenyans abroad should take before paying for land at home: searches, titles, surveys, advocates and payments you can trace.

Smiling young African woman in a red T-shirt leaning on the wooden counter of her small shop with stocked shelves behind

Business6 min read

Separate your business and personal money: a guide for Kenyan entrepreneurs

Why mixing business and personal money hides your real profit, and five steps to separate them, including paying yourself a salary.

Young Black African person working out figures with a calculator, notebook and phone beside printed market charts on a wooden table

Debt7 min read

Getting out of debt: the snowball and avalanche methods

How to list every loan, from mobile loans to SACCO loans, and clear them with the debt snowball or debt avalanche method.

Podcast

Business52 min listen

Podcast: from Centonomy student to SME ecosystem builder

On Making Cents Conversations, Allen Kimani talks about his journey from Centonomy student in 2013 to building an ecosystem for African enterprises and SMEs.

Video

Planning4 hr 10 min watch

Video: My money, my map, a Centonomy Open Day

Full recording of a Centonomy Open Day on a year of clarity, confidence and control, with Waceke Nduati, Safaricom and M-PESA speakers, a trainer and alumni.

Watch and listen

Podcasts and Open Day recordings

Waceke hosts two podcasts, Making Cents Conversations and Diary of a Mad African Entrepreneur, with Centonomy alumni and entrepreneurs. Open Days and Entrepreneur Chats are recorded in full.

Making Cents on Apple Podcasts YouTube @Centonomy101

Podcast episodes 5

Open Days and Entrepreneur Chats 6

Free checks from Centonomy

Reading helps. Knowing where you stand changes things.

Two short checks built by Centonomy: one for your personal money, one for your business. Free, and each ends with a clear next step.

About 5 minutes · Free

Financial Clarity Check

Six private questions on where your money stands today. Find the area of your financial life that needs attention most, and one thing to do right now.

Clarity
Strategy
Protection
Confidence
Action

You see the gap to focus on first, one thing you can do right now, and a snapshot of all five areas and your five-year outlook.

Start the check

Want to work on the gap? Learn about Centonomy 101

5 reflective questions · Free

Business Growth Check

Five reflections for business owners on purpose, money, people, decisions and growth. See which gap may be holding your business back, and what to try first.

Clarity
Money
Structure
Decisions
Growth

Your growth profile names the gap that most needs attention, from the Clarity Gap to the Growth Gap, with one thing to try this week.

Start the check

Close the gaps with Centonomy Entrepreneur

Free download

The Centonomy budget template, free

A one-page monthly budget in Kenya shillings to start your plan. Plus one practical money tip every Tuesday.

50/30/20 split with a line for family support
Works on paper, Excel or Google Sheets
Unsubscribe any time, in one tap

Money insights for real Kenyan life

How to make a budget that actually works in Kenya

Emergency fund: how much you need and where to keep it in Kenya

Money market funds, T-bills or SACCOs: where should your savings go?

Buying land in Kenya from abroad: a due-diligence checklist

Read, watch, listen

How to make a budget that actually works in Kenya

Emergency fund: how much you need and where to keep it in Kenya

Money market funds, T-bills or SACCOs: where should your savings go?

Buying land in Kenya from abroad: a due-diligence checklist

Separate your business and personal money: a guide for Kenyan entrepreneurs

Getting out of debt: the snowball and avalanche methods

Podcast: from Centonomy student to SME ecosystem builder

Video: My money, my map, a Centonomy Open Day

Nothing matches that yet

Podcasts and Open Day recordings

Podcast episodes 5

Open Days and Entrepreneur Chats 6

Reading helps. Knowing where you stand changes things.

Financial Clarity Check

Business Growth Check

The Centonomy budget template, free

Reading is a start. A plan is better.