I would like financial advice on how to have a consistent budget plan without having to borrow from a bank overdraft and phone banking. This month, I have consolidated my debts and taken a Sacco loan to pay Sh5,500 monthly for the next few years. I will also be saving Sh4,000 monthly in the sacco.
After that deduction and tax deductions, I get a net pay of Sh51,000. This is the amount I want to manage well. I don't pay rent or school fees, since my hubby does that. I help with the other school expenses, house food, and house girl payment.
