Beginner Financial Learning Plan

Start your journey to confident money decisions.

A structured, Kenya-focused beginner path that helps you understand money, build solid habits and make smarter day-to-day financial decisions – even if you’re starting from zero.

Designed for individuals, young professionals, entrepreneurs and families who want a practical, non-intimidating way to get their finances organised and aligned with real Kenyan realities.

Who it’s for

Is the Beginner Plan a good fit for you?

This path is built for people who are serious about getting their finances in order, but don’t want jargon, complicated formulas or “get-rich-quick” promises.

You’ll feel at home if:

You’ve never had a clear budget or money system that you stick to.
You’re earning money but not sure where it all goes each month.
You want to start saving, investing or reducing debt, but feel stuck.
You’re confused by the many products in Kenya’s financial market.
You want a simple, guided structure you can follow step by step.

Individuals & families Young professionals First-time investors Entrepreneurs & side-hustlers

Curriculum

What you’ll learn in the Beginner Plan

The plan is organised into short, focused modules. Each one combines simple explanations with Kenyan examples and a practical worksheet or exercise.

1. Your money picture

Start here

Get a clear, non-judgemental view of where you are today.

Income, expenses, assets & debts – simplified.
Creating your one-page money snapshot.
Understanding your current money habits.

2. Money foundations

Mindset & basics

Learn the core ideas that drive healthy financial decisions.

Needs vs wants in a Kenyan context.
How to think about risk, time and opportunity cost.
Common money myths and mistakes to avoid.

3. Simple budgeting that sticks

Systems

Build a budget and cash-flow system you can actually use.

Designing a realistic monthly budget.
Envelope, 50–30–20 and other simple frameworks.
How to budget when your income is irregular.

4. Debt & obligations

Stability

Understand and manage debt before it manages you.

Good debt vs risky debt in Kenya.
Digital loans, credit cards, friends & family.
Simple strategies for prioritising debt payments.

5. Saving with a purpose

Safety

Move from vague “I should save” to concrete savings goals.

Emergency funds, short-term and long-term goals.
Choosing where to hold savings (bank, Sacco, MMF, etc.).
Automating savings in a Kenyan environment.

6. Introduction to investing

Growth

Learn the basics before you commit money to “investment deals”.

What investing is (and isn’t).
Overview of common Kenyan options.
Questions to ask before you say “yes”.

7. Protecting what matters

Security

Explore the role of insurance and protection in your plan.

Health, life and asset protection basics.
How to think about insurance premiums vs risk.
Understanding policy fine print at a high level.

8. Your 90-day & 12–24 month roadmap

Action

Bring everything together in a simple, realistic action plan.

Prioritising which changes to make first.
90-day action plan checklist.
Creating a simple yearly review routine.

Bonus: Money & relationships

Optional

For couples, families, and business partners navigating money together.

Starting healthier money conversations.
Aligning goals when incomes differ.
Agreeing on shared systems & boundaries.

Format & pricing

Choose how you want to go through the plan

The Beginner Financial Learning Plan can be taken individually or with a small group (e.g. family, friends, staff cohort, chama or team). Pricing below is indicative – final quotes depend on group size and delivery format.

Option 1

Self-paced with light guidance (individuals & families)

Ideal if you prefer to work through the lessons at your own pace with occasional check-ins for questions and accountability.

Access to beginner lessons and worksheets.
Suggested 6–8 week learning schedule.
Periodic check-ins via email/WhatsApp.
Template 90-day and 12–24 month planning tools.

Option 2

Guided cohort or in-house programme (groups & organisations)

Best for teams, chamas, Saccos, SMEs, ministries, institutions and community groups that want a structured beginner pathway.

Facilitated sessions (virtual or in-person, where possible).
Customised examples for your context and audience.
Group exercises, case studies and Q&A time.
Optional pre/post assessments and summary report.

Ready to start the Beginner Financial Learning Plan?

Share a bit about your situation – individual, family, SME, chama, organisation or institution – and we’ll suggest the most suitable way to run the plan for you.

Talk to us about the beginner plan Explore other education options

Questions

Frequently asked questions

A few common questions about how the Beginner Financial Learning Plan works and how to decide if it’s right for you or your organisation.

No. The plan is designed specifically for beginners and assumes no prior training in finance. If you can follow everyday examples about income, expenses and goals, you’ll be comfortable here.

Most individuals and families go through the material over 6–8 weeks, spending 1–2 hours per week. For guided cohorts and in-house programmes, we’ll agree a schedule that matches your calendar and context.

The Beginner Plan focuses on education, frameworks and tools to help you make better decisions. In some cases, we may provide more tailored guidance or recommend that you speak to licensed professionals. We’ll always be clear about the nature and limits of what we provide.

Yes. Many organisations use the Beginner Plan as a foundation for staff wellbeing, client education or community financial literacy initiatives. We can adapt the examples and format to your audience, and co-design the sessions with you.

Use the contact button above to tell us a bit about yourself or your organisation. We’ll respond with recommended next steps, tentative timelines and indicative pricing so you can decide how best to proceed.