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Always broke by the 20th? Why your salary is not the problem
Financial literacy, in its most useful form, is about developing a clearer relationship with what your money is actually doing and why. It starts with a question that is deceptively simple: What is my money competing with?
I earn Sh100,000 net monthly income, but somehow always run out of money by the 20th. Is there a realistic budgeting method that actually works for someone who has tried and failed multiple times?
There is a particular kind of exhaustion that comes with earning what most of us would call "a decent salary" and still feeling perpetually behind. It carries a quiet shame that is hard to talk about.
