M-Shwari vs. Fuliza: Which Financial Product Is Better?

In Kenya, the mobile money revolution has fundamentally reshaped how people save, borrow, and spend. Safaricom’s M-Pesa platform, in partnership with Kenyan banks, has produced two of the most popular…

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The Hidden Economic Consequences of Carrying High-Interest Consumer Debt

When a credit card statement arrives, most people focus on the minimum payment due and the current interest rate. The mathematics of high-interest debt—typically 18% to 28% APR on credit…

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Why Most Savings Challenges Fail and What Behavioral Research Reveals

Every January, millions of people start a savings challenge with genuine excitement. They try the fifty two week challenge, where the amount saved increases each week. They attempt the no…

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Understanding Terminal Value and Why It Dominates Most Discounted Cash Flow Models

Consider the following scenario: You are purchasing a little coffee shop. You hope to make money off it for 5 years, then what happens after year 5? The shop will…

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VLOOKUP vs XLOOKUP: Complete Excel Guide with Examples (2026)

For anyone who has ever worked in Excel, you know the feeling: You have two sets of data in tables, a common column and you want to copy matching data…

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What Every Beginner Needs to Know Before Investing in the Stock Market

The stock market is sometimes touted as one of the best means of wealth accumulation in the long term. The tales of folks who became successful investors and made themselves…

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KCB Money Market Fund Review: Is This the Smart Cash Parking Spot for 2026?

Money market funds are one of the most sought after investment products in recent years by Kenyan investors. As people become more financially literate, have smartphones and investment platforms become…

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How to Stop Impulse Buying: A Guide to Spending Less and Saving More

You come to Naivas and buy a litre of milk. Twenty minutes later you leave with Ksh 3500 worth of snack food, a pair of shoes being sold and a…

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Debt Snowball vs Debt Avalanche: Which Strategy Truly Sets You Free?

Debt is a weighty burden. The burden of debt—whether in the form of a student loan, credit card debt, medical debt, or car loans—can impact your finances, as well as…

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Weekly vs Monthly Budgeting: Which Works Better?

Budgeting is the foundation of stability and growth in the world of personal finances. But one of the most longstanding debates for the financial world and the average consumer is…

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