I have been dealing with a problem in my foot for almost two weeks. This might not sound particularly dramatic. It isn't cancer. It isn't an emergency. It isn't even the kind of pain that stops me from going about my day. Which is perhaps why I found myself hesitating. You see, I am a walker. Not the kind of person who takes a stroll every now and then. I walk for two to three hours most days. Walking is how I think, how I clear my head, and how I make sense of the world. If there is one part of my body I should be willing to invest in, it is probably my feet. Yet when I started calling podiatrists in Nairobi, I found myself doing mental gymnastics. The cheapest consultation fee I found was KES 5,000. Consultation. Not treatment. Not scans. Not medication. Just the privilege of finding out what might be wrong. By the time everything was done, the bill could easily reach KES 15,000 or KES 20,000. And suddenly I found myself wondering whether I really needed a podiatrist. May...
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 ...