Hi guys, I will never ask you to text or Whatsapp me for anything. If you see any such comment, even with the picture being mine, offering you guides and numbers to call or whatsapp, kindly ignore and report that comment. It is scammers and bots trying to get to some of you. The right channels to reach me are always linked in the description box, that is, my website and email address.
Any fee charge for financial literacy training?? Been following your tips and feel I should have deeper understanding as I invest. Kindly advise. Jm Kiplagat
Tusidanganyane if you earn 50k and below in Nairobi what you have is an income problem and not an expenditure problem. ALL your money after expenses should go to improving your income via training and skill learning.
Susan, with the current cost of living, and different people have different life styles in town, that amount for a Somali family of 6persons in the house hold, you can hardly survive on this budget!! Your budget is for an extreme rural settings in Kenya not for Urban Dwellers. This is why most Kenyans in government offices can hardly retrieve a file for you without giving him or her A tip, because the fellow might have not had breakfast or lunch at his work place. I live in northern Kenya weya we have to buy everything from from sukuma wiki, maize meal to sugar and its paraphanalia,tea being meal number one, in fiscal terms, you are an outright hustler to look for other avenues to make ends meet, Finally we have to practically pray to Allah to open other Gates for the family. Otherwise, your analysis is encouraging, masha Allah.
Hi Hussein, nice you explained that properly. I am a follow UK somali brother thats planning to go Kenya to hopefully meet a somali girl to marry and keep her there. Just doing my research on cost of living / economy of Kenya. I see it has it's struggled but that's life. We strive to improve.
My first time watching this and definitely this has just changed my life. Will be watching at least one video daily. Will be back with a testimony. This is so good Susan 😊😊.
House girl is 7k ,food in Nairobi for a family is not less than 600 pd so pm is approx 16000/- school fees for one child per term plus transport not less than 15k so distribute pm it will be 5k, taking a day out for a family will take at least 3k pm. The budget you have done is for a bachelor, please do it for a family in Nairobi
Punguza starehe 😂 must you have a house girl hapo kwa food its up to you MTU wa mjengo analipwa 600 na bado anakula what does that tells you??? Ata ukitaka food za thao ziko ukitaka its up to you to budget kwa food maybe every meal has some meat you can make meat 2 times in a week, kwa transport to shule kuna watoi wako hii Nrbi they use psv to n back from school na kuna wenye huitiwa TAX kila siku just know where to fit depending with your earnings so that you can be able to save something, usikae life ya wengine mapato haitoshani (cut unnecessary spending if at all you have some)
This channel is wow. I wish I found it mapema. Earning around 50k but sahizi Niko dry and piling debts then on 2st I'll be paying deni like hell. Mid-month I start stress
Hi Susan, I am a businessman, I don't have a Monthly income (No salary )but I have some mandatory spending, So how do I plan or budget? In business, some months you can go without getting business. These are my compulsory spending 1. Rent 30k 2. Service charge 5k 3. Office 5k 4. Wifi 1500 5. Airtime 2000 6. Food 15000 7. Baby Diapers 5000 8. Drinking water 1200 9 Electricity 2500 10. Transport 5000 11. Emergency 10,000 Total 85, 700 These are Spendings Only. What can you advice
Hallo Susan & Legacy hub? Please consider doing a similar lesson on apportioning business income for a starting business. When starting, apportioning revenue appropriately is king & most suffer on how to pay themselves and still keep the business running especially in the informal sector.
Susan I love your prácticas presentation. I have learned that I should pay myself first(savings) and cut down impulse buying and donations. Thank you. I would hope to share my budgetting experience 90 days down the line. This excites me😅
@@GloriaNdegwa o my people. Poleni sana. You might have to do more work/research and try and error. Personally, by mandatory bills are around 60% but I only need about 5% for fun most months.
Thank you couch. Below is my budget Income 70k Rent 15k School fees (2high schoolers and 1 private primary child) 20k per month Food 10k Savings/merry go 5k Hair, airtime, manicure pedicure 3k Giving and miscellaneous 5k Problem is i got into an emergency debt eating into my income paying 30k pm for the next 5months and its stressing me out.
I recently bumped into your YT presentations and I am thoroughly impressed by your expertise and sharing sound financial strategies. Kindly let me know how to purchase your personal spending budget. Do you also have a business budget?
I read somewhere that Money Market fund is better than Chama because your money earns interest on a daily basis and no risk of Chama members running away with your savings/ defaulting
I saw your video for the 1st time yesterday and I loved it and subscribed. I don't know if you have ever done a video for investment for diaspora people. If so please link it
What a coincidence? I was just looking forward to breaking down the same amount. You've not mentioned black tax. Can I really use the deficit to bridge that gap?
Can you please do a budget for business owners who bring in a little money daily? Felt like this was more for salaried people getting all your money at one day in a monthly
Congratulations for the good job your doing,wl you please do something for people who are earned less than 15k people like house helps,mama mbogas, mjengo men the likes.
Good content.. it amazes me how ppl in Kenya earn 50k or less per month. My unemployed ex girlfriend once said to me she struggling to survive on the 150k per month I was provide her with 😢😂.. crazy 😮
Different lifestyles and priorities there are communities in Kenya that replicate life in wherever you are that enabled you to send her that kind of money, hence the standards are higher making her say she is suffering.
Monthly direct transfers from your bank to the savings/investment accounts on payday. For example, if you get paid on the 25th, have your bank transfer your set amount of cash to your SACCO on the 25th or 26th of every month. I don't know if this is what you were looking for.
Hi guys, I will never ask you to text or Whatsapp me for anything. If you see any such comment, even with the picture being mine, offering you guides and numbers to call or whatsapp, kindly ignore and report that comment. It is scammers and bots trying to get to some of you. The right channels to reach me are always linked in the description box, that is, my website and email address.
Hey coach I have made a purchase for the budgeting template but am having challenges kindly assist
Any fee charge for financial literacy training??
Been following your tips and feel I should have deeper understanding as I invest.
Kindly advise.
Jm Kiplagat
Since I landed on this channel my mindsets and finances changed completely,,,thanks girl.
I love all your videos.Your teaching us all that we wish we learnt earlier but its never too late.Thank you Susan and God bless you soo much.
Sue you deserve a million subscribers good one much love from UK 🇬🇧
Thank you Susan.Just bought the budget tracker .Next I need to get over this fear and anxiety, and start my journey to financial freedom!
Thank you very much Susan. You have really helped me in managing my finances. God bless you my dear. You are such a good teacher
Tusidanganyane if you earn 50k and below in Nairobi what you have is an income problem and not an expenditure problem. ALL your money after expenses should go to improving your income via training and skill learning.
@picana411 very wise advice Thank you.
Susan, with the current cost of living, and different people have different life styles in town, that amount for a Somali family of 6persons in the house hold, you can hardly survive on this budget!! Your budget is for an extreme rural settings in Kenya not for Urban Dwellers. This is why most Kenyans in government offices can hardly retrieve a file for you without giving him or her A tip, because the fellow might have not had breakfast or lunch at his work place. I live in northern Kenya weya we have to buy everything from from sukuma wiki, maize meal to sugar and its paraphanalia,tea being meal number one, in fiscal terms, you are an outright hustler to look for other avenues to make ends meet, Finally we have to practically pray to Allah to open other Gates for the family. Otherwise, your analysis is encouraging, masha Allah.
Hi Hussein, nice you explained that properly. I am a follow UK somali brother thats planning to go Kenya to hopefully meet a somali girl to marry and keep her there.
Just doing my research on cost of living / economy of Kenya. I see it has it's struggled but that's life. We strive to improve.
My first time watching this and definitely this has just changed my life. Will be watching at least one video daily. Will be back with a testimony. This is so good Susan 😊😊.
I love you Susan for free. You are such a blessing to us
My first time coming across this channel and you earned yourself a new subscriber
Purchased Budget track sometime back and I can say it's one of the best decision I made
Hi, where did you putchase
Wow, so eloquent, clear and straight to the point!!!
I bought the Monthly Budget tracker and above all, its eye opening and makes you be conscious about your spending, Thank you.
This is good. One block i would add is 10% tithe of income before tax. Try it and see that God will honor His word.
Wow. Beautiful. I was looking for this. I pray for discipline coz maaaaan....
Tithing sanctifies the rest of your money.This is one principle i would recommend here,Try it and see him providing for you against all odds.
House girl is 7k ,food in Nairobi for a family is not less than 600 pd so pm is approx 16000/- school fees for one child per term plus transport not less than 15k so distribute pm it will be 5k, taking a day out for a family will take at least 3k pm.
The budget you have done is for a bachelor, please do it for a family in Nairobi
Punguza starehe 😂 must you have a house girl hapo kwa food its up to you MTU wa mjengo analipwa 600 na bado anakula what does that tells you??? Ata ukitaka food za thao ziko ukitaka its up to you to budget kwa food maybe every meal has some meat you can make meat 2 times in a week, kwa transport to shule kuna watoi wako hii Nrbi they use psv to n back from school na kuna wenye huitiwa TAX kila siku just know where to fit depending with your earnings so that you can be able to save something, usikae life ya wengine mapato haitoshani (cut unnecessary spending if at all you have some)
@@morrismuriithimairani2691 Very true Sir./Madam
This channel is wow. I wish I found it mapema. Earning around 50k but sahizi Niko dry and piling debts then on 2st I'll be paying deni like hell. Mid-month I start stress
How do have u broken down ur bajo bro?
I'm only getting 18k as my salary but I think am gona make it through you
Make sure your rent is not above 3k
Rent less is poor house with Nairobi
It all depends with where you are/work.... Nairobi no
@@catherinemumbua8251 waa this looks very impossible unless he/she lives in shags
PPL pp PPL pp PPL pp
Finally I bought the budget tracker, this is a dream come true
Hi ,is this an app?
Where did you buy assist
I wish I could have known you 2yrs back. I have really learned more from your clips
This channel is the best thing that happened to me ,God bless you susan🙏
It's possible, soon you can invest the savings and save all the 45k.congrats bro
Hi Susan, I am a businessman,
I don't have a Monthly income (No salary )but I have some mandatory spending,
So how do I plan or budget? In business, some months you can go without getting business.
These are my compulsory spending
1. Rent 30k
2. Service charge 5k
3. Office 5k
4. Wifi 1500
5. Airtime 2000
6. Food 15000
7. Baby Diapers 5000
8. Drinking water 1200
9 Electricity 2500
10. Transport 5000
11. Emergency 10,000
Total 85, 700
These are Spendings Only.
What can you advice
what kind of drinking water costs 1200? Do the refilling where 20 liters costs around 120.
Hallo Susan & Legacy hub?
Please consider doing a similar lesson on apportioning business income for a starting business.
When starting, apportioning revenue appropriately is king & most suffer on how to pay themselves and still keep the business running especially in the informal sector.
Tahnks Coach Susan indeed its insightful to me hope gonna put it in practice despite...!
You're a God sent Susan, when all have been doing just is betting And losing everything .
Thank you so much
TITHE is the key!
ensure you are tithing to a real church not to the pastor business
Super!!! An eye opener to more streams of income.
Love it! Please do one for 100,000 with 15k rent and 25k black tax
Susan I love your prácticas presentation. I have learned that I should pay myself first(savings) and cut down impulse buying and donations. Thank you. I would hope to share my budgetting experience 90 days down the line. This excites me😅
Why don't you scale this video's budget by a factor of 2, and that is your budget. 🤷♂
@@langat007 hiyo scaling na factors ndio hatujui😅
@@langat007 wise😂
@@GloriaNdegwa o my people. Poleni sana. You might have to do more work/research and try and error. Personally, by mandatory bills are around 60% but I only need about 5% for fun most months.
very insightful. Thank you so much Susan
Thank you Susan, This information is just what I needed, well delivered and very helpful.
How can I get personal finance notes? I'm obsessed with personal finance!
❤Thanks Susan for theses valuable insights on budgeting.
Very informative.Thank you Susan
Thanks Sue,may God Almighty richly bless you. You're a gift to many in money matters
Wish I found this earlier.. wish to follow this new year..am sure will have change❤
Thanks I really appreciate the lessons you've taught me for the last one month, 65 k with a running loan of 14k monthly?
I love love your content!
Hello and thankyou Susan for the financial advice. Please do a video on where and how to buy bonds as a way of saving❤
Quite insightful with easy to work with tips. Am enlightened
Thank you for your priceless advice sue
❤.... Love ur work, thumbs up gal
Thank you couch. Below is my budget
Income 70k
Rent 15k
School fees (2high schoolers and 1 private primary child) 20k per month
Food 10k
Savings/merry go 5k
Hair, airtime, manicure pedicure 3k
Giving and miscellaneous 5k
Problem is i got into an emergency debt eating into my income paying 30k pm for the next 5months and its stressing me out.
I am sailing in the same predicament. .
@@redeemed687 I cant wait to get over with this debt... everything else is frozen apart from the basics.
What of TITHE 😳
Do u pay school fees every month.
@@trillionsam2428 most probably she saves for the school fees every month
I want to thankyou so much for your information I have really saved a lot more than before am on 50,30,20 be blessed
quite informative kudos and keep it up
Good work Susan
Awesome Susan... sure am gonna share good job...
I appreciate your your teaching madam keep it up business woman.
A very productive insight am now good to go
Pleasure meeting you yesterday in Dar .you are a Treasure ❤
I recently bumped into your YT presentations and I am thoroughly impressed by your expertise and sharing sound financial strategies. Kindly let me know how to purchase your personal spending budget. Do you also have a business budget?
This is very insightful... Thankyou
Waoh,, am happy this morning to listen to you gal.. lemmi get the template right now
Smart Smart Woman. Your information is very resourceful.
Awesome information be blessed
Thank so much for this useful information kindly can you list for me some of the side hustle thank God bless you.
This is so insightful
Thank you so much and may God bless you for this video
Thank you Susan,
My question is,do chamas fall on savings or debts column?
Thank you
I read somewhere that Money Market fund is better than Chama because your money earns interest on a daily basis and no risk of Chama members running away with your savings/ defaulting
I saw your video for the 1st time yesterday and I loved it and subscribed. I don't know if you have ever done a video for investment for diaspora people. If so please link it
What a coincidence? I was just looking forward to breaking down the same amount. You've not mentioned black tax. Can I really use the deficit to bridge that gap?
That was great sue be blessed
Thanks so much... That has been so helpful
THANK YOU Susan I purchased. I am glad.
You are a blessing. Thank you.
Thanks alot for your tips, I will try this and thank you later when it works
Thank u so much madam susan my savings are growing month after month Huuuuuuuuuuuuuuuuuu
Thank you for sharing the information
Can you please do a budget for business owners who bring in a little money daily? Felt like this was more for salaried people getting all your money at one day in a monthly
Sure for those who make money daily. How can that be budgeted?
Congratulations for the good job your doing,wl you please do something for people who are earned less than 15k people like house helps,mama mbogas, mjengo men the likes.
I support.
Good content.. it amazes me how ppl in Kenya earn 50k or less per month. My unemployed ex girlfriend once said to me she struggling to survive on the 150k per month I was provide her with 😢😂.. crazy 😮
Different lifestyles and priorities there are communities in Kenya that replicate life in wherever you are that enabled you to send her that kind of money, hence the standards are higher making her say she is suffering.
😂😂😂😂do you want another girlfriend 😂
I will not struggle with only 20k and will not ask for more . consider
@@missmuroti hahahaha
better she is an ex😂
Please do one for 160k with 22rent and 10k policy every month
So you mean you earn 160k😮 , wow please get me a job even as adomestic woker
Hello, let's connect I want to earn more I have some good skills I can offer, just looking for the right people to enlighten me.
Huyo atutafutie kazi bwana.😅
Totally valuable.
Thank you
Thank you so much, Susan. Great job!
Think Big, start small and start now. 🎉❤
Thanks for the wonderful content. I am from Uganda and interested in having this budgting tracker. How do i go about it?
Great insights Susan
Hey, how do I get the spreadsheet template?
Very good work.
Nice advice n good planning
Please do one for a 10k salaries with kids
Very important
Great lessons, how do I get to the distribution box?I need the budget tracker please
You can get it here: thelegacyhub.co.ke/product/the-legacy-budget-tracking-template/
Thank you for sharing madam🎉
Hi, although I am not Kenyan I seem to be enjoying your videos
I am so honored to read this. Thank you! 🙏
Thanks madam for the budget tracker
With every video you upload , I learn nw tips. Thank you Susan
Well said coach
I have a question on chama money which category do they lie on is it saving and investment ?
After this video i just noticed i use 83%of my salary and save 10% but i feel it's still enough but i have to start a new challenge
Hey Susan, what tools can one use to automate savings?
Monthly direct transfers from your bank to the savings/investment accounts on payday.
For example, if you get paid on the 25th, have your bank transfer your set amount of cash to your SACCO on the 25th or 26th of every month. I don't know if this is what you were looking for.
Thank you very informative
Hey you're doing a wonderful job anyway is it possible to share the excel format for the tracker sheet shukran
Hello, you can access it here: thelegacyhub.co.ke/product/the-legacy-budget-tracking-template/
@@susan.wanjiku_ thanks
Very informative
Thanks a lot❤
How can we see the table clear because is hard to see it as you explain.
This was helpful information
Please do a budget of 20k
The 50k for most of us is the gross salary 😢
much❤❤❤❤from Uganda
How do you get the budget template?
New subscriber here, thank you so much have learn something
This is very interesting. Please share the excel sheet.
You can access it here: thelegacyhub.co.ke/product/the-legacy-budget-tracking-template/