Map when money arrives
Write down expected income and when it is due. Keep expected money separate from money already received.
HomeFamily budget
Small steps for everyday life.
Separate your commitments
List food, housing, health, school and transport costs. Include bills that arrive less often so they do not take you by surprise.
Prepare for quieter months
After a harvest sale, make room for the months ahead and the next season’s farm costs. Choose an affordable amount to set aside after essentials.
Check in each week
Compare your plan with actual spending. If income falls, adjust what can wait and discuss the priorities together.
A planning example
A household has a school payment due in three months. Write down the cost, subtract what is already set aside, and check what you can afford to save each month. If there is a gap, adjust the plan early.
Three questions for your SACCO.
- Which account could suit our goal?
- What are the deposit, withdrawal and account charges?
- When and how can we access our savings?
This guide helps you prepare. The SACCO confirms its current services, charges and requirements.