Anyone who wants to understand debt, organise personal or business finances and prepare for better financial conversations.
Learning resources
Clear financial knowledge for everyday decisions.
Straightforward guides created for Kenyan households, workers, traders and entrepreneurs.
Start a conversation
Plain language guidance and practical tools that help turn financial information into decisions you can act on.
Resources are educational and should be adapted to your own circumstances. Personal information should never be entered into a shared or public copy.
Clear facts. Practical choices. Respectful support.
How the journey begins
A useful conversation starts with your real situation.
You do not need to arrive with a perfect plan. Our role is to help you organise what matters, understand the choices available and identify a responsible next step.
- 01Choose the topic that matches your current concern
- 02Download a tool and complete it using confirmed figures
- 03Ask for guidance if the next decision is still unclear
What this support covers
Understand the details before deciding what comes next.
Debt knowledge centre
- What to do after a CRB listing
- Managing multiple loans responsibly
- What to review when repayments exceed affordable income
- Questions to ask before taking another loan
- Debt planning for Mama Mbogas and market traders
- Repayment planning for boda boda riders
- Understanding salary deductions and the pay you receive
- Preparing for a responsible creditor conversation
Free Excel tools
- Personal budget template
- Small business budget template
- Debt management guide
- Debt repayment planner
- Daily income and expense tracker
Example involving several loans
A worker with several deductions begins by listing every confirmed balance and due date. They protect essential household costs before creating an affordable payment plan. This is an educational example. It is not a client testimonial or a guaranteed outcome.
Example involving daily income
A trader records sales, stock costs and repayments each day to understand which commitment fits a changing income. This is an educational example. It is not a client testimonial or a guaranteed outcome.
Ready when you are