Kenyan Personal Finance.
Practical, localized articles on tracking cashflow, escaping digital micro-debt traps, and managing merchant finances in the modern Kenyan ecosystem.
Escaping the Digital Loan Trap (M-Shwari, Fuliza, Tala)
Digital lenders make borrowing trivial, but compound rates can trap your monthly cashflow. Learn how to structure payments to escape the trap.
Tracking Friend Debts (IOUs) without Ruining Relationships
Lending money to family and friends is common, but tracking repayments can be awkward. Here is how to manage IOUs professionally.
Pochi la Biashara vs. Till Number Bookkeeping for Merchants
Understanding the financial differences between Pochi accounts and Till Numbers for bookkeeping, fees, and credit scores.
Adapting the 50/30/20 Budgeting Rule to Kenyan Incomes
Traditional budgeting assumes stable monthly salaries. Here is how to adapt the 50/30/20 framework for fluctuating incomes and local realities.
Understanding Your Burn Rate & Calculating Cash Runway
Can you tell exactly how long your current bank balance will last if you stop working? Learn how to calculate your cash runway.