A Budget Doesn’t Restrict Your Money—It Gives It Direction Sarah’s first job in Nairobi came with a promise to herself: this time, she would finally get ahead financially. Every month, she received her salary with excitement. She paid rent, bought groceries, sent money home, settled a few bills, and treated herself to lunch with friends…
The message came just after 8 p.m. “Dad, we need to talk about school fees.” John looked at the balance on his phone and then at the list of bills on the table. His salary had come in less than two weeks earlier. Rent was paid, the children’s school expenses had been handled, and he…
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