I am always late for work. There. I've said it. And the frustrating thing is that my lateness isn't caused by traffic or some unpredictable morning disaster. Most of the time, it is entirely my own doing. I wake up and make my coffee. Then I get back into bed, which is right by the window, cross my feet, face the window and slowly sip my coffee. And when I say slowly, I mean slowly. I look at the trees. I watch the birds. I feel the morning sun on my skin. Sometimes I just sit there with my thoughts. I really love these mornings. I've also noticed something else. When I give myself enough time in the morning, my body usually does what it needs to do. A slow morning often leads to a bowel movement, which, as far as I'm concerned, is one of the must-haves of starting my day. And so I find myself wishing for more time. More time to sit. More time to drink my coffee. More time to maybe get outside and do some yoga or mat Pilates on the grass while the sun is stil...
Let’s be real: the 50/20/30 budgeting rule that financial gurus preach does not work in Kenya. Not when salaries are eaten alive by crazy living costs, family obligations, and the constant money-sucking emergencies that pop up like clockwork. If you think you can just allocate 50% of your income to needs, 20% to savings, and 30% to wants, you must be living in an alternate universe where unga is free, landlords take exposure as rent, and blackouts are just a myth. The Reality of Most Kenyan Earners Imagine earning KES 60,000 before taxes and deductions. That number looks good on paper, but let’s break it down: Tax & Deductions: Say goodbye to around KES 15,000 for NHIF, SHIF, Housing Levy and PAYE. Net Salary: You now have KES 45,000 to play with. Rent: A decent one-bedroom in a reasonable area costs KES 15,000–20,000. Transport: If you work in Westlands and live somewhere "affordable" like Rongai or Kitengela, your daily commute could cost you KES 400. That’s KES 8,0...