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2022 will be the 7th year since I launched #52WeekChallenge on this blog. Hundreds of thousands of people have read posts and tweets about the #52WeekChallenge, but the most amazing thing is that every year when we announce it on Twitter, we encounter people who have never tried the challenge and therefore do not know where to start. This is awesome, and it keeps me…

How are your 2019 money goals so far? We are in Week 46 of the #52WeekChallenge guys, just six weeks to go! It might be too late to start from scratch, but how about you join me in a sprint to the end of the year? Insulate your December pay from enjoyment by saving up starting today. Read more here.  As I wrote in this…

As I write this post, we are in Week 42 of 2019, with exactly 10 weeks to go to the end of the year. Take a moment to think about how you started the year. If you are anything like me, you had some goals and a vision of how you wanted the year to go. I confess I not only had goals, but I…

For the last couple of years, I have shared extensively about my experiences as a farmer – I simply cannot resist farming, even when it costs me money. I guess that is what passion is about, right.  All agriculture entrepreneurs may not agree on everything, but we all agree on the following two things: Most farming ventures fail, and telephone/long distance farmers suffer more losses…

Have you joined the #52WeekChallenge powered by M-Shwari? To join, set up an M-Shwari Lock Savings Account, start saving and you just might get a cash reward. As I post this, we are kicking off Week 4 of the #52WeekChallenge, use the MoneyBox App (for Android) to calculate how much you are supposed to save on a weekly basis and start today! The other day, I received a link in…

Treasury bonds and treasury bills (which I will refer to as treasury instruments in the next two posts) are a way for governments to raise money from the members of the public. A good way to think about this is to imagine that  the money we save collectively makes up a bank, and the government borrows from that bank, and in exchange it gives you…

Earlier this week, I announced that I was going to be publicly tracking my expenses for the next one month. A few days in, and I would like to share what it has been like. The daily expense tracking was no big deal at all. It’s about logging what I spend, and I did it pretty mindlessly on an Excel sheet (which I am yet…

If you ask a regular personal finance adviser whether you should borrow money, they will give you the Debt Creed; Only borrow to invest, if the investment will earn you better returns than the interest rate of the borrowing. Never borrow for consumption. Aspire to be debt free at all times! However, life does not work so neatly. Most of us have borrowed money which…

Online shopping was created for people like me, who like nice things at a good price, but also hate window shopping and haggling. I love that from the comfort of my office desk, I can get  my body butter, duvets, shoes, even lingerie, just by sending an instant message to order, and an M Pesa text. While I have had many positive experiences buying things…

As most of this blog’s readers are aware, last year, the Kenyan government embarked on its largest infrastructure investment so far, the construction of a Standard Guage Railway (SGR) from Mombasa to Nairobi, which has been extended to terminate in Naivasha. There has been varied opinions on the economic viability of the project, there are also concerns on the environmental impact, specifically the effect the Naivasha phase…