Budgeting & Cash Flow
Learn how to take control of your monthly inflows and outflows, even
with irregular income or self-employment.
- Zero-based and envelope-style budgeting.
- Dealing with seasonal and commission income.
- Planning for school fees, rent and annual expenses.
- Using simple tools (not complicated spreadsheets).
Debt & Credit
Understand when borrowing is sensible and when it becomes a trap, and
how to get out of unhealthy debt cycles.
- Healthy vs. harmful debt and how to tell the difference.
- Mobile loans, digital lending and interest stacking.
- Negotiating with lenders and restructuring debt.
- Building a smarter relationship with credit.
Saving & Safety Nets
Build buffers that protect you from shocks – job loss, illness,
business slowdowns – so emergencies don’t become crises.
- How much to keep as an emergency fund.
- Where to keep short-term savings (banks, Saccos, funds).
- Saving for specific goals like deposits and school fees.
- Automating and protecting your savings habits.
Investing & Growing Wealth
Learn investment basics, how to think about risk, and how different
assets like funds, shares and property fit together.
- Setting investment horizons and expectations.
- Introduction to unit trusts, bonds and shares.
- Diversification and avoiding “too good to be true”.
- Balancing investing with other life priorities.
Business & Chama Finance
Practical guides for small businesses, side hustles and investment
groups managing shared money.
- Separating business and personal money.
- Cash flow management for SMEs and hustles.
- Chama governance, record-keeping and investment rules.
- When to formalise and seek external funding.
Retirement & Long-term Planning
Plan beyond today – whether that means formal retirement, changing
careers or supporting parents and children.
- Estimating future needs in Kenya’s cost of living.
- Understanding pension schemes and personal plans.
- Balancing current obligations with future goals.
- Having money conversations as a family.