Give your money a plan
Write down your income and spending. Separate essentials from optional expenses. Choose a saving amount that still leaves room for basic needs.
Understand the whole cost
Look at the total repayment, the term and how interest is calculated. Ask about insurance, processing charges and penalties.
Make group saving clear
Agree on contributions, timing, use of funds and who makes decisions. Make sure everyone understands how records are kept.
YOUR PLANNING TOOLS
Put a number on your goal.
Savings goal
See what you would need to save each month. Excludes interest and fees.
MONTHLY SAVING
Loan illustration
Reducing-balance interest with equal monthly repayments. Enter your own annual rate; it is not a SACCO quote.
MONTHLY REPAYMENT
Excludes processing fees, insurance and other charges. Actual totals can vary with rounding and repayment dates.
BEFORE YOU VISIT
Five questions to take with you.
- Which documents do I need?
- What is the full cost of the service?
- Which terms should I review?
- Where and when can I access the service?
- How can I follow up if I need help?
MONEY IN EVERYDAY LIFE
A plan built around
your everyday life.
Practical starting points for farmers, traders, craftspeople and households.
Give your harvest a plan.
Plan for seed, fertiliser, available insurance and transport before harvest income arrives.
Map the seasonsKeep a record of your trade.
Separate stock purchases, sales income and money used at home.
Choose one goalMake room for every voice.
Discuss school costs, upcoming needs and a buffer that works for your household.
Talk about your prioritiesBring your craft to market.
For crafts and visitor services in Nyanza, map your costs, busy seasons and what you can reinvest.
Plan your local business