A speaker on stage at a Centonomy Open Day between the Centonomy 101 banners
A Centonomy 101 Open Day
Flagship · Working professionals and individuals

Centonomy 101

Clarity about your money. Order to what comes next. Centonomy 101 is a transformation experience that gives you clarity about where you are with money and order to what comes next, empowering you with the mindset, tools and skills to confidently build the life you want.

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Sound familiar?

You work hard and you earn. So why does money still feel so heavy?

  • Payday feels good for about a week.
  • Everyone thinks I have it figured out. I don't.
  • I keep promising myself I'll start investing next year.
  • I've read the books and watched the videos. Nothing has changed.

That isn't a discipline problem. Money is emotional. It carries the story you grew up with, the people who depend on you, and the fear of getting it wrong, which is why knowing more rarely moves anyone. Centonomy 101 works on both, the numbers and the feelings, so that this time you actually move.

Overview

Is Centonomy 101 for you?

In short

You don't need more financial information. You need a financial strategy that makes sense for your life. Starting with the money story you inherited, a uniquely sequenced curriculum delivers exactly the insight you need, exactly when you need it.

This is for you if:

  • You earn an income but struggle to make meaningful progress
  • You want to understand where your money goes
  • You have investments, but you're not sure they fit together
  • You're planning for property, children's education or retirement
  • You want to move beyond guesswork to a structured plan
Your journey

Five steps from where you are to where you want to be

Information tells you what to know. A strategy tells you what to do. A trainer helps you work through it. Accountability helps you follow through. Community helps you keep going.

  1. 1

    Clarity

    Where am I?

    Face the person in the mirror and understand your current financial reality.

  2. 2

    Strategy

    How do I get from where I am to where I want to be?

    The map from today to the life you want.

  3. 3

    Confidence

    Can I make these decisions?

    The knowledge and frameworks to decide for yourself.

  4. 4

    Action

    What am I actually going to do?

    Your plan, your targets and your action steps.

  5. 5

    Connection

    Do I have to build alone?

    No: community, accountability and consistency.

ClarityUnderstandingStrategyDecisionActionAccountability

What changes

A transformation, not a course

Twelve weeks later, the way you talk about your money sounds different.

Before: “I don't know where I stand.”

After: “I understand my financial position.”

Before: “I have investments, but I'm not sure they fit together.”

After: “I have a strategy for what my money needs to do.”

Before: “I'm constantly thinking about the next payday.”

After: “I'm thinking in years, not just paydays.”

  • Mindset shiftYour relationship with money changes.
  • Decide differentlyYou make money decisions with a strategy.
  • Act differentlyYou implement a plan.
  • Feel differentlyConfidence and clarity.
  • Plan differentlyYears, not paydays.
Is it for someone like me?

Which money story sounds like yours?

Most people arrive as one of four. They leave as the fifth.

The emerging investor

“I know I should be investing, so I am. Am I investing in the right things?”

The high earner without a plan

“I earn more than I used to, but I don't feel as ahead as I should.”

The reactive decision maker

“I make money decisions all the time, but toward what?”

Paycheck to paycheck

“I make money every month. So why am I not getting ahead?”

The intentional builder: who you become

“I know where I'm going, and today's decisions support it.”

Before class, they told us

  • 95%have no consistent budget
  • 79%don't track their income and expenses
  • 74%can't cover three months without borrowing
  • 87%have had no prior financial training
  • 46%are not debt-free or have no payoff plan
  • 82%say their top struggle is knowing where to invest

After the class, they told us

From the Centonomy 101 alumni impact report, 2026.

100% would definitely recommend Centonomy 101

“My money has direction. I have clarity of mind.”

What alumni actually did after the class

  • Budget and track their expenses84%
  • Live with an abundance mindset72%
  • Keep a regular emergency fund68%
  • Cleared or are clearing debt64%
  • Have a clear personal financial plan56%
  • Hold at least one insurance policy52%
  • Invest in equities and special funds48%
  • Invest in Treasury bills and bonds40%
  • Invest in real estate20%
  • Have a will or succession plan16%

What changed

  • “I stopped living beyond my means and stopped impulse buying.”
  • “I am living less worried now that I have a good emergency fund.”
  • “I don't just invest because others are, I do so with a goal.”
  • “I can now tell where my money goes without any struggle.”

Without Centonomy 101

  • “I would still be building castles in the air.”
  • “Could have drowned in more debts.”
  • “Money idling in bank accounts, depreciating in value.”
  • “Living paycheck to paycheck.”

Centonomy in one word Life changing · Eye opener · Life giving · Transforming · Game changer · Empowering · Enlightening · Awakening · Very practical · Insightful

Financial Clarity Check

See where you stand

A short, private check before you decide. Six questions, about five minutes, and one thing you can do right now.

  • No financial knowledge required
  • Answers stay in this browser, not sent to Centonomy
  • Shows which of five areas needs your attention most
How it works

Live, practical and built around your week

Twelve weeks, twelve modules, one module a week. Three intakes a year: February, June and September.

  • Live on Zoom, once a weekOne 2.5-hour interactive class a week: Thursday 6:00pm to 8:30pm EAT or Saturday 9:00am to 11:30am EAT.
  • One optional in-person classModule 7 meets in person, so your class can meet face to face. It is optional, and you can follow it on Zoom from anywhere.
  • RecordingsMissed a session? Recordings are available, so you can catch up.
  • Class resourcesDigital handbooks, notes, an orientation package, assignments and your trainers' contacts.
  • A pool of expertsIndustry experts you can ask questions after class.
  • GraduationA hybrid graduation ceremony within one week of completing the programme.
Curriculum

Four chapters, one plan

One module a week. Each one ends with something you understand, decide or do, and by the end it adds up to your own financial plan and investment strategy.

Taught by practitioners, with a network of 30+ expert trainers.

Chapter 1 · Modules 1 to 4

Money management

Get your money in order and your mindset right.

  1. 01

    Personal money management

    Understand your money. Take control of your finances.

  2. 02

    The time value of money

    Plan today for the life you want tomorrow.

  3. 03

    Managing debt

    Make informed borrowing decisions and build a plan to become debt-free.

  4. 04

    Living abundantly

    Build the mindset and habits of a wealth creator.

Chapter 2 · Modules 5 to 7

Investing

Understand where your money can grow, and how.

  1. 05

    Fixed income

    Treasury bills and bonds, unit trusts, and what drives interest rates.

  2. 06

    Property

    Property as a wealth-building opportunity, from sectors to REITs.

  3. 07

    Equities

    The stock market and evaluating companies. The optional in-person class.

Chapter 3 · Modules 8 to 10

Protect and structure

Protect what you build and plan how it passes on.

  1. 08

    Insurance

    How insurance can support your financial plan.

  2. 09

    Estate planning

    Wills, trusts, family companies and succession.

  3. 10

    Taxes

    Your tax obligations and their place in your plan.

Chapter 4 · Modules 11 to 12

Plan and implement

Turn it all into your plan, and make it happen.

  1. 11

    My financial plan

    Your goals turned into a practical roadmap, with targets.

  2. 12

    Groups, implementation and graduation

    Investment groups, working with an adviser, and graduation.

Next intake

Choose your class

February theme: Clarity
  1. 23Jan 2027Open DayIn person and on Zoom
  2. 28Jan 2027Trial classOn Zoom
  3. 4Feb 2027Classes beginFebruary intake: Clarity
4Feb 2027Thursday
Live on Zoom

February 2027 · Thursday evenings

Live on Zoom, with one optional in-person class (module 7) Thursdays, 6:00pm to 8:30pm EAT
Registration open
KES 54,000
Choose this class
6Feb 2027Saturday
Live on Zoom

February 2027 · Saturday mornings

Live on Zoom, with one optional in-person class (module 7) Saturdays, 9:00am to 11:30am EAT
Registration open
KES 54,000
Choose this class

Later in 2027

June 2027: PlanTurn intentions into a plan for the life you want.Dates to be announced
September 2027: ReflectUse the year's insight to reassess and decide what changes next.Dates to be announced
Tell me when dates are out
Black November

10% off your Centonomy 101 tuition, this November only

Register in November for the February 2027 intake and save KES 5,250 on tuition. The registration fee stays the same.

Claim the offer Ask Nancy how it applies to your payment plan.

Centonomy 101February 2027 intake

Tuition
KES 52,500
Black November, 10%
− 5,250
Tuition you pay
KES 47,250
Registration
KES 1,500
Total
KES 48,750

you save KES 5,250!

Offer ends 30.11.2026

Payment plan

Choose your payment plan

From KES 14,500 a month, or KES 54,000 in total: registration KES 1,500 + programme fee KES 52,500. USD 520 from abroad.

1. Your class
2. How you pay
Pay in full
  1. TodayKES 54,000
TotalKES 54,000

Instalment dates follow your class: one module a week from the first class. The team confirms your schedule at orientation. The registration fee is redeemable within a year.

Or pay directly

Register on this page, or pay Centonomy directly and send the confirmation to Nancy on WhatsApp.

M-Pesa
Paybill
986850
Account number
Your first name + 101for example Nancy101
Card

Pay by card on Centonomy's Pesapal page, or register and pay on this website.

Pay with Pesapal
Bank
Kenya shillings
Guaranty Trust Bank
Account 2250002966
US dollars
Guaranty Trust Bank Kenya Limited, Centonomy Limited
Account 2250011094 · bank code 015 · SWIFT GTBIKENA
Stories

In their own words

More stories

It changed my habits

Centonomy 101 is a life changing course. It really works on changing attitudes and habits surrounding money with practical examples each week.

Patricia MwangiCentonomy 101 alumna

Watch an Open Day

FAQ

Questions about Centonomy 101

Real people, quick replies

Still deciding? Ask Nancy.

Centonomy 101 on WhatsApp: 0700 036 433

What will I actually learn?

C101 goes beyond learning individual financial concepts. You will develop a clearer understanding of where you are financially, how your decisions connect and how to build a financial strategy.

Is C101 just a financial literacy course?

No. C101 is designed to move you from information to understanding, decision-making, implementation and belonging to a community.

Will C101 tell me exactly where to invest my money?

C101 equips you with the knowledge, frameworks and decision-making skills to evaluate financial options and make informed decisions.

What makes C101 different?

It combines financial knowledge with mindset, decision-making, planning, implementation and accountability, and gives you the opportunity to learn alongside a community of people on a similar journey.

Who is C101 for?

Anyone who wants clarity on where they are with money and order to what comes next.

Do I need to already be investing?

No.

How long is C101?

12 weeks, designed to give you enough time to learn, reflect, make decisions and begin implementing what you learn.

How much time will I need each week?

2.5 hours of interactive live class a week: Thursday 6:00pm to 8:30pm EAT or Saturday 9:00am to 11:30am EAT.

Are the sessions live?

Yes. Classes are live on Zoom, so you learn directly from the trainers and engage with your peers. Module 7 is a physical class.

What if I miss a class? Are sessions recorded?

Yes. Recordings are available, so you can catch up on a missed session.

Can I ask the trainers questions after class?

Yes. The industry experts are accessible after class.

What class resources will I get?

Digital handbooks, Zoom logins, an orientation package, your trainers' contacts and assignments.

Is there a graduation?

Yes, a hybrid graduation ceremony within one week of completing the programme.

How much does C101 cost?

KES 54,000 or USD 520: a KES 1,500 registration fee plus KES 52,500 tuition.

What is included in the fee?

The full programme, live sessions, class resources, recordings, the C101 peer learning and the graduation.

Can I pay in instalments?

Yes. Pay the KES 1,500 registration fee, then KES 19,000 before module 1, KES 19,000 before module 5 and KES 14,500 before module 9.

How do I register?

Pay the KES 1,500 registration fee by M-Pesa: Paybill 986850, account number your first name + 101 (for example Nancy101). You can also register and pay on this page.

When is the next intake?

There are three intakes a year: February, June and September. The next one: Open Day on 23 January 2027, a trial class on 28 January 2027 and classes beginning on 4 February 2027.

Can I transfer my registration?

The registration fee is redeemable within a year.

What happens after I complete C101?

You graduate into the Centonomy alumni community and can continue through Centonomy Privilege.

Is C101 suitable if I'm self-employed or an entrepreneur?

Yes. It builds a strong personal foundation that supports the money decisions you make in your business.

Can I attend from outside Kenya?

Yes. C101 is virtual, so you can join from anywhere. The fee is USD 520.

Can I attend with my spouse?

Yes.

I'm preparing for retirement. Is C101 suitable?

Yes. It covers long-term planning, wealth preservation, investments and life beyond your working years.

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