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

Posts by: kellie

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...

This post is a third on a series about how to save for our kids’ education.  The first post looked at a savings account as a tool for accumulating savings and the second evaluated education insurance plans. There is consensus that when saving for the future, you should prioritize your retirement over your kids’...

Yesterday, The Time published an article that cited the love for avocado as one of the things making home ownership an impossible goal for millennials.  They were quoting Tim Gurner, an Australian millionaire and property mogul. “When I was trying to buy my first home, I wasn’t buying smashed avocado for $19 and four...

Yesterday was Mothers’ Day, and as I was reflecting on my relationship with my mother, I was reminded of a small thing that mom did for us, that probably shaped how we view money in adulthood. Like most Kenyan children of our time, our parents sent us to boarding school. A key feature in a boarding school child’s...

Rock bottom financially is a position that some of us are familiar with. This is where things fail to work as planned, and you find yourself in mountains of debt, and not enough cash flow to both pay off the debts and your living expenses.  The tendency for most people is to black it all out and hope it goes...