An emergency fund, in shillings
Why a small buffer changes everything, how much to aim for at each stage, and where to keep emergency money so it survives until needed.
Guides
Money basics
Everyday money skills: budgeting, saving, and understanding digital wallets.
Budgeting with irregular income
How to budget when income arrives in lumps instead of a salary: find your floor month, pay yourself steadily, and put good months to work.
Cash vs digital money
An honest comparison of cash and digital money — what each does well, where each fails, and how to decide errand by errand.
Planning for school fees
School fees are the predictable emergency: how to spread a term's fees across the weeks you have, and keep proof of every payment.
Saving with a goal
Named goals beat vague intentions: how to size a savings goal, break it into a rhythm, automate the boring part, and protect the pot.
Understanding digital wallets
What a digital wallet actually is, how it differs from a bank account and mobile money, and the questions to ask any wallet provider.