KenyaOnAShoeString: Real Advice for Real Kenyans

Financial discipline often means making tough choices—choosing public transport over car ownership, skipping luxuries to build a savings cushion, or postponing vacations to secure a home. The journey can feel isolating, frustrating, and sometimes even discouraging, especially when peers seem to be enjoying a more carefree life. In these moments, having a personal mantra—a simple, powerful phrase—can help center your mindset, reinforce your ‘why,’ and keep you focused on the bigger picture. Here are some mantras to guide you through different aspects of financial sacrifice and goal-setting. 1. For Choosing Public Transport Over a Car “Every sacrifice has a purpose. Every saved shilling builds my future. My journey may be crowded, but my destination is clear.” When matatu chaos makes you question your decision, this mantra reminds you of the bigger picture. Every shilling saved on fuel, insurance, and maintenance moves you closer to financial security. Your journey may be tough, but the ...

In Kenya, we love the idea of wealth. We want it, chase it, and admire those who have it. But do we ever stop to ask: What is true wealth? Is it a German machine with a KDJ plate? A big house in Kitengela that you’re barely ever in? Or is it something deeper—freedom from financial stress, control over your time, and peace of mind? We live in a culture that pressures us to show success even when we are drowning in debt. Loans for lifestyle upgrades, unnecessary spending to keep up appearances, and the constant need for more leave many feeling stuck in an endless hustle. Maybe it’s time to rethink wealth—not as having more, but as needing less. The Wisdom of the Ages Great thinkers throughout history have questioned the value of excess wealth. Their words remain as relevant today as they were centuries ago: "Wealth consists not in having great possessions, but in having few wants." — Epictetus "Money often costs too much." — Ralph Waldo Emerson "Frugality includ...

Religion plays a massive role in Kenya. It shapes our families, businesses, and even government policies. But let’s be honest—much of what we’ve been sold in the name of faith is outright harmful. The lies are so deeply entrenched that many Kenyans live in unnecessary suffering while believing they are being ‘good Christians.’ At the same time, there are powerful religious truths—hidden gems—that could actually improve our society if we paid attention to them. Here’s a brutally honest look at the religious myths holding us back and the solutions that could finally move us forward. Lie #1: The More You Suffer, the Closer You Are to God Many Kenyans have been conditioned to believe that poverty, struggle, and suffering somehow bring them closer to God. Churches romanticize hardship with statements like “your blessing is on the way” or “suffering is a test of faith.” As a result, people tolerate abusive jobs, stay in toxic relationships, and avoid seeking prosperity because they believe...

If you’ve ever been invited to a ‘business opportunity’ meeting at Java by an overly enthusiastic friend promising financial freedom, congratulations! You’ve had a brush with Multi-Level Marketing (MLM), the modern-day version of being sold a dream wrapped in ‘hard work’ and Bible verses. The book Just Wait Till We Are Diamond details the harrowing journey of a child being groomed into MLM life, sacrificing normalcy, relationships, and childhood in pursuit of a rank that’s just one more motivational meeting away. Sounds familiar? It should. Because as Kenyans, we’ve been fed similar illusions of success , not just by MLMs, but by society, motivational speakers, and even our own culture of blind hustle. Let’s unpack this and find real, Kenyan solutions that work. Lesson 1: “Your Success Is in Your Hands” (But Is It, Though?) One of the biggest MLM tactics is making you believe that success is 100% within your control . If you fail, it’s because you didn’t work hard enough —not because ...

Owning a home is a big dream for many Kenyans, but somewhere along the way, practicality has been thrown out the window. Too many people, driven by childhood aspirations or societal expectations, are constructing massive houses only to end up living like misers within them. Let’s break down why this trend makes little sense and what smarter, more sustainable homeownership looks like. The Harsh Reality of Owning a Big House in Kenya Many Kenyans, especially those who grew up in humble backgrounds, grew up being told to “dream big.” Unfortunately, this has translated into building unnecessarily large houses, often with rooms that remain unused, multiple verandahs gathering dust, and massive balconies that no one actually sits on. These houses cost millions to build, yet within a few years, the owners are struggling to maintain them, regretting their choices as they pour more money into renovations. If you need proof, just look at how many old houses in Nairobi remain unsold. No one wants...