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Showing posts with the label Surviving on 60K

The Distance Between Doctrine and Discipline-Why our habits often contradict the beliefs we claim to live by

There is a question we rarely ask ourselves with complete honesty: What do you believe—and what habits does your belief produce? Most people can answer the first part easily. They can describe their beliefs, their values, their philosophies. They know what they stand for. They can explain the principles they claim guide their lives. But the second question is much harder. Because beliefs are easy to claim. Habits are harder to hide. And it is in our habits—especially the small, ordinary ones—that our true philosophy quietly reveals itself. A belief system means very little if it does not shape the smallest habits of everyday life. Not the grand gestures. Not the moments when others are watching. But the quiet decisions that happen in ordinary settings—shared spaces, everyday responsibilities, small interactions with the people around us. How we manage inconvenience. How we treat people who cannot benefit us. How we handle situations where restraint, fairness, or consideration...
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The 50/20/30 Rule is a Joke in Kenya: Here’s What to Do Instead

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...
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Daniel Arap Moi — The Shadow and the Shepherd: A Deep Dive into Kenya’s Second President

If Jomo Kenyatta was the founding father, Daniel Toroitich Arap Moi was the long-reigning stepfather — sometimes protective, often punitive, and almost always enigmatic. He ruled Kenya for 24 years, the longest of any president to date. To some, he was the gentle teacher, Mwalimu , who kept the nation from tearing apart. To others, he was the architect of a surveillance state, a master of patronage and fear, the man who perfected repression through calm. This is a portrait of Daniel Arap Moi — not just as a ruler, but as a man shaped by modest beginnings, colonial violence, and the hunger for order in a chaotic time. Early Life: The Boy from Sacho Daniel Arap Moi was born on September 2, 1924, in Kurieng’wo, Baringo, in Kenya’s Rift Valley. He came from the Tugen sub-group of the Kalenjin community. His father died when he was just four. Raised by his uncle, Moi’s early life was marked by hardship, discipline, and deep Christian missionary influence. He trained as a teacher at Tambach ...
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Know Thyself: The Quiet Power of Naming Your Nature

“Until you make the unconscious conscious, it will direct your life and you will call it fate.” — Carl Jung We live in a culture that equates good intentions with goodness, and ambition with ability. But very few people in Kenya—or anywhere—truly know what they are made of. We can name our qualifications and our dreams. But ask someone their vices or virtues, and they hesitate. Worse, they lie. The Danger of Self-Unawareness In Kenya today, many of us are wandering through life making choices—big, small, and irreversible—without truly understanding who we are. We end up in jobs we despise, relationships we shouldn’t be in, or positions of influence we aren’t emotionally or ethically equipped for. And at the root of this dysfunction is a simple truth: we don’t know ourselves. This is not a spiritual or abstract dilemma. It’s a deeply practical one. To know oneself is to understand your vices, your virtues, your weaknesses, and your strengths—not in a vague sense, but in detail. Let’s ge...
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Not All Disabilities Are Visible

Some pain does not leave a mark. Some exhaustion does not show in the face. Some people are carrying weights that have no name, no diagnosis, and no outward sign. We are used to recognizing suffering only when it can be pointed to — a bandage, a crutch, a cast, a wound. Something we can see. But the human interior is its own world, and often, the heaviest struggles live there. The Quiet Work of Holding Yourself Together There are those who walk into a room smiling, contributing, present — and yet they are holding themselves together one breath at a time. Not because they are pretending, but because they have learned to live with what would overwhelm another person. Some battles are fought inside the mind: The slow grey of depression The relentless hum of anxiety The sudden, unbidden memory that takes the body back to a place it never wants to return The deep fatigue that sleep does not cure And yet, life continues. The world moves. The dishes still need to be wa...
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