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, car ownership is often seen as a key milestone of success. When your peers, friends, and family members are all driving while you continue using matatus, buses, or boda bodas, it can bring about feelings of inadequacy, frustration, or even embarrassment. Public transport is undeniably cheaper, but it comes with its own stressors—unpredictable schedules, overcrowding, and safety concerns. How does one navigate this choice in their 30s, 40s, and 50s without feeling left behind? The Financial Reality vs. Social Pressure Choosing public transport over a car is often a financially wise decision, especially when considering the high costs of car ownership. However, there is an emotional and social weight that comes with it: Status and Perception: In many circles, having a car is equated with financial stability and progress. Convenience vs. Cost: Matatus can be unreliable, while a personal car offers flexibility and comfort. Peer Pressure: When friends organize trips or events, ...

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...