From Prof ( She Dint Want her Mentioned) from Maseno University.

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One of the best financial hacks is to save your raise. It’s difficult to increase saving today because more savings means cutting something that we have grown used to consuming. But if you commit today to save a large fraction of your raise, say 50%, you can increase consumption and savings at the same time.

For example, I tell my students that after they get their first job their income will increase by a lot. But instead of buying a new car I tell them to continue to live like a student for another year or two and put the money they save into several millions!

Living like a student for another year or two isn’t that hard—they are used to it! And it’s much easier to live like a student for another year or two today than it is to try cut consumption 10 years from now when kids and mortgages become pressing.

Also to point out investments that bring good retuns.

In short, it’s painful to cut consumption but it’s often easy to delay consuming more so hack your willpower by delaying consumption rather than cutting consumption.

Consider Mshwari.

Its easy to get loans from Mshwari. The moment you activate Mshwari you get a new menu that looks like this

go to Lock Savings Account then create Account after opening account you see follow instructions and there you go.

To get a loan make sure you save always on your account. To save always to to your mshwqri menu. After successful payments you champion new loans. You get updated via text from Mshwari.

Always remember to repay your loans to increase your threshold. If you fail you get listed in the CRB Credit Reference Bureau.

All the best.