To get in touch with me please email gatwiri@kelliemurungi.com

Posts by: kellie

If you ask a regular personal finance adviser whether you should borrow money, they will give you the Debt Creed; Only borrow to invest, if the investment will earn you better returns than the interest rate of the borrowing. Never borrow for consumption. Aspire to be debt free at all times! However, life does not work...

When I shared about my losing my #52WeekChallenge savings on the Telegram Group, one of the participants asked me a challenging question: Don’t you have an emergency fund? See how wonderful accountability is? We all know that an emergency fund is Personal Finance 101. When you start earning money, first thing you...

Last week, I was forced to withdraw most of the money in my #52WeekChallenge Lock Savings Account. On Friday last week, I had Kshs 35,213 saved. I was feeling really proud of myself because I was ahead on the challenge, having ticked off the crazy December weeks. M M-Shwari balance before the tragic events that bring...

As I write this post, Public Likes, yet another scam is collapsing with millions of Kenyans’ money. Public Liked was marketed as a “Revolutionary Social Media Marketing” platform, that paid people for paying to view ads and to recruit others. We have seen a number of social media posts from angry subscribers who are...

When we had our last #52WeekChallenge Twitter chat, I did a poll that showed some fantastic things (many people are still on course), and that some people were either lagging or had fallen off the wagon. That’s the thing though. The savings habit is a journey. Sometimes we fall off the wagon or we lag behind, but we...

Someone said, living a  fun life and good financial management is like water and oil they do not mix. I think about this quite often, especially when I meet people who from reading my articles online seem to think certain things about my attitude and approach to personal finance. “It must be nice to be in control of...

Growing up in a Christian home, tithing as a practice was taught very early in life and reinforced throughout life . My earliest memory of actively earning an income involved a little chat I had with my mother about giving in Sunday School (church). Every Sunday, mom would give us some coins to give in church. Then...

Online shopping was created for people like me, who like nice things at a good price, but also hate window shopping and haggling. I love that from the comfort of my office desk, I can get  my body butter, duvets, shoes, even lingerie, just by sending an instant message to order, and an M Pesa text. While I have had...

Early this year, when Kenya Bankers Association (KBA) announced Pesalink, a bank-bank instant money transfer service that was to be the “M-Pesa killer” , I was very excited. Their statement that Pesalink was going to be a super cheap way of transferring money was music to my ears, seeing as I enjoy saving money, and as...

How do you pay your monthly bills to service providers? For me bill payments are a multi-step, very painful process. Let us say I want to pay my internet access bill to Zuku. This is what happens to me every month. It starts with a reminder text from Zuku, at the most inopportune time, for example on a Tuesday at 10...