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, owning a car is often seen as a major milestone—a sign that one has “made it.” But is a car truly a necessity, or is it sometimes a financial burden disguised as progress? With rising fuel costs, expensive maintenance, and the reality of Nairobi’s notorious traffic, does car ownership always make sense? Let’s break it down with real numbers and scenarios. When Owning a Car Makes Sense Your Commute is Expensive or Inconvenient If you spend more than KES 20,000 per month on transport due to long commutes or unreliable matatu routes, owning a car might actually save you money. Professionals working in industrial areas, EPZs, or locations with limited public transport options may benefit from a car. Your Work Requires It If your job involves frequent travel (sales, medical reps, site visits), a car may be necessary to maintain efficiency. Business owners transporting goods regularly may find a car (or even a small van) more cost-effective than hiring transport services. You Have ...

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...

Every day, Kenyans accept painfully low wages for their skills, experience, and time. Whether it's a translator taking KES 30,000 when the market rate is KES 60,000, a waiter working six days a week for KES 12,000, or a factory worker grinding for KES 100 per Saturday shift—these scenarios are far too common. The consequences of this widespread problem are serious: it depresses wages for everyone, normalizes exploitation, and keeps the majority of Kenyans in a cycle of financial struggle. But why do people accept these conditions? The reasons are complex and deeply ingrained in our society. Some of the biggest factors include: Desperation and Survival Mode – Bills have to be paid, children need food, and in a country with a high unemployment rate, any income feels better than no income. Lack of Salary Transparency – Employers take advantage of the fact that salaries are gatekept, meaning most people don’t even know their market worth. Low Self-Worth and Fear of Speaking Up – Man...

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 ...

If you've ever listened to those "financial gurus" on YouTube or read self-help books by some big-shot American entrepreneur, you've probably come across all sorts of money advice that sounds smart—but makes absolutely zero sense in Kenya. If you’ve ever tried to implement this advice, you know it ends in premium tears. So, let’s break down the worst of these myths, why they don’t work here, and what actually makes sense for us, hapa Kenya. 1. "Save 6 Months’ Worth of Expenses Before Quitting Your Job" Why It’s Nonsense in Kenya: Let’s be honest, even saving one month’s expenses is a miracle for most Kenyans. The cost of living is skyrocketing, your salary is barely enough, and unexpected expenses (hospital bills, school fees, black tax) will finish your savings faster than you can say hustler fund. What Actually Works: Instead of waiting until you have a mythical six-month cushion, start building multiple income streams while still employed . Even a small s...