Start by tracking every shilling you earn and spend. Divide your income into essentials (50%), savings (30%), and lif...

Pay your loans on time, avoid multiple credit applications, and check your credit report regularly. A good credit his...

Prioritize saving before you pay bills or shop. Automate your savings so a percentage of your income is saved as soon...

Only borrow what you can comfortably repay. Avoid using loans for short-term luxuries. Always read the loan agreement...

Keep an emergency fund covering at least three months of expenses. It helps you stay financially stable during unexpe...