Separate household and business money
Keep household and business money distinct, even if you use one notebook. This helps you see whether the activity is making money.
INGANJI SACCO RUBAVU
Know your money.
Prepare your decision.
Short, practical lessons for households, traders and farmers to plan money and ask better questions.
FOUR STARTING LESSONS
Clearer numbers create better choices.
Use your own figures: income, needs and timing.
Record what comes back
Record income, timing and the costs that make it possible. For farming, include the period before harvest and household needs.
Leave room for surprises
Choose a small amount you can save without putting essentials at risk. This is a planning habit, not a promise of returns.
Ask for the full cost
Before signing, request the rate, extra charges, repayment schedule and complaints route in writing.
A 30-DAY PRACTICE
Record. Compare. Ask.
Week one
Record every inflow and outflow instead of relying on memory.
Week two
Separate essentials from things that can wait. Choose one small goal.
Weeks three and four
Compare the plan with what happened and identify a question to ask the SACCO before deciding.
Your right to ask
You can ask for written information in a language you understand, the full cost and the complaints route. Review BNR guidance before committing.
BNR consumer rights bookletEVERY STEP STARTS WITH A CONVERSATION