10 Ways in which you can be financially independent

There are small financial rules that are basic for you to get financially independent. Understanding yourself is the number one basic strategy for you to use.

Tokeo la picha la financial independence

The basic rules include;


Make a routine of working with your budget. This can guide you in knowing how you spend your cash and when not to. If you have a problem of money management you can hire a financial manager to guide you through.

‘Your daughter needs your attention more than your money’ – Wahu tells fathers


Invest in money generating activities. You can build rental apartments or start any kind of hustle. Never depend on one income as at times things never go as expected and you can run out of cash. Always have a backup financial to help at your broke times.

Avoid debts

You must learn to differentiate between needs and wants. Accept when you don’t have cash to avoid having much debts. At times you might desire something which is not a need and you end up borrowing money to have it. This can be avoided when you give the needs a number one priority before anything else.

‘I wish money could buy life’ cries sick girl on her death bed

Save a lot

Learn to save money in whichever way that you wish to. Make savings on a daily basis. You can set a target like each day or monthly. At the end of the day you will learn how to spend less and save more.


Have a plan on how you spend each and every cent you have.

Girls, do you expect men to refund money after a breakup Mike Mondo asks

Understand your expenditure

Understand your pocket value and live with it. Never compete or compare yourself with someone who is financially stable than you. This might make you run out of cash easily hence borrowing to fit a lifestyle you can’t afford.

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12 signs you are being financially bullied by your spouse


Do you have to ask or beg for money from your spouse?

Financial bullying in relationships is real.

If you find that your spouse or partner goes overboard on the monthly budget or your spouse blames you for overspending, then he/she can be a financial bully.

Here are red flags that should guide you on bullying before your life spirals out of control

  • Unexplained withdrawals from the bank
  • Unusual activity in the bank accounts
  • Unpaid bills
  • Unexplained shortage of money
  • Reluctance on the part of the person with responsibility for the funds to provide basic food and clothes etc
  • Fraud/wash wash
  • Theft
  • Prevents you from having access to account information
  • Makes poor decisions involving your credit
  • Discourages you from furthering your career or making more money
  • Makes significant investments without consulting you
  • Threatens to cut you off from the money

Also read more here

Broke men have a habit of making women feel bad for having standards


They call us Nairobi slay queens, all because women want a better life. Mention something like this online and trolls will come for you.

Women aren’t obligated to date a man who is struggling. If we prefer someone who is more financially stable, that does not mean that we are heartless, gold-digging slay queens.

My money is ours while yours is for your family! DJ Mo complains to Size 8

Thsi was the topic of discussion on Friday morning with Maina and Kingangi. Maina addressed women saying ‘broke men don’t deserve love. Go back to your mother’. A statement women wholeheartedly embraced with their opinions below.

A female caller set the ball rolling with her interesting remarks.

“Maina even in the bible it says that men should provide. We are only supposed to bear children in pain. So if you can’t provide get out! I would never give a man money.” #MainaAndKingangi

To which another fan Purity Ng’ethe responded
#MainaAndKingangi Are these not the same people who call women gold diggers right left and center? Saying they can’t date broke women? Tell them we will also not date broke men..Tumekataa

12 common relationship myths you should stop believing

country gal..
3 dangerous animals in this world
1 broke ni*ga
2 Corona
3 snakes.
I wonder where does broke get time to love, they are supposed to be busy working for there life. Rusheni mawe nimevaa helmet but no money no love

I thought of jumping from my 8th floor house! Former Churchill comedian Zeddy says

A few men tried to defend their brokeness with comments below.

Then let them be house wives, so they can babe feed like kids. In no case they will be next of kin. The current life is about building and supporting each other. If that’s the case then why are they fighting for 50 50 if they want to be catered for

That’s then & now is now. Women were not empowered that time like now;they were ‘less human’ to say but now they are economically fertile compared to men;why not help!

Check out Corazon Kwamboka’s maternity shoot that will make you go gaga (photos)

So pesa zikiisha au job ikikatika nirudi kwa mamangu? Si hawa ndio wale huanza kukutafuta Mungu akikufungulia another window? #MainaAndKingangi


Also read more here

‘Apartments named after woman are paid for by us’ Kenyan men insist to Maina


An open and honest conversation about how Kenyan men lose millions to women saw Maina slammed for insisting no man has lost money to a woman.

Maina introduced the topic asking fellas how and how much money they have ever lost to a woman to which many could not put a figure to it.

Men, how do you lose money to women? When do you even spend money on women?

Every man I meet out there says ‘we don’t talk about it’ Maina added

Co host Mwalimu Kingangi was heavily supported by male callers when he said

‘you will never hear a man brag he bought nani an apartment, or even take a woman to cops over money amenyamaza tuu kwa corner kwa bar? Asset recovery should now be involved, men are suffering’ he finished

Guys how much money have you lost to women Maina wondered, how have you lost money coz I don’t think you spend on your women.

Here are some views expressed by men about the topic:

….. I have lost almost90k to a woman, nilimwekea biashara after three months she tod me amishindwa na kazi all mymmoney gone, nimelipa rent ninin nini,


Rtd Captain Kale…

Why is it that all these apartments are named after women? These women who drive harriers, where are there husbands? They are 6ft under, they killed them, they just shed crocodile tears in the burial, washindwe #MainaAndKingangi

man caller: my wife comes from work extrmeley scared she is looking for money to pay I am told I have to get a loan fromwherever sh250k and she need it fast, ilook for the money in pain and three months down the line there are letters, where the hell did she take the money, three months down the line she is not talking, and helb peopelwant money, and now if I scream will I get the money back? People will tell me she is my wife, I asked her where she took the money and she said she paid this much ijui there was a problem, the bottomline is the money is gone, I cannot kick her out, but what do I do to get the money back, mara there other time she had a chama loan t pay now the year is ending she needs aroun d 78k last year to pay back, so I have to llokmfor and pay for it, that sis why I tell my friend not to borrow from wives

Kelvin Mwangi..

I’ve spent countlessly on my Lady, I’d be a billionaire why lie.

Nmefunzwa Kunyamaza.


Felix Agola(Mr President)..

Personally I opened from my girlfriend a business, I used to inject some money into it every month but when it caught fire I was left behind without a second thought

Masila Simon..

Its hard to quantify, there are just some expenditures we run behind the scenes for our women like trying to smell good

Also read more here

‘It’s over’ Wives blasted for taking husbands to police over loans


Ladies, have you ever taken your man to the cops Maina asked listeners on Thursday during a heated debate.

Kenyans tunapenda kustakiana, as a way of resolving our disputes.And this is no different with spouses as we came to learn on Thursday morning conversation with Maina and Kingang’i.

Maina spoke about a lady called Audrey who tweeted about never ever lending men money.

She described her horrific experience in the hands of a husband after loaning him half a million shillings, which he has never bothered to pay back.


Due to this she took him to the cops to resolve the matter, only for things to back fire for her.

The police termed it a marital dispute which they cannot deal with.

The matter ended there, with the husband free to walk away without paying back the money she had saved all her life.

A heated debate ensued with men warning women that it will be the end of the relationship, should a wife pull such a move:
If I’m to give a man money, it is an amount that I won’t feel bad when he fails to refund. The police will always turn you away immediately they hear you are partners in marriage.
Alex Olaba..#MainaAndKingangi
Maina sometimes its very difficult to solve marital issues at police station just understand that Maina nyc day

Felix Agola(Mr President)..

Maina ladies have breached a level of asking for collateral before giving us loans,which kind of world are we living on this days
Honestly Maina The reason behind all this money issue is lack of transparency especially couples. Be open & you will live stress free life. Lovers is a different case. #MainaAndKingangi secret lovers
Gideon Langat..
Consider the level of crime before proceeding further on police. Matters are solved amicably between the parties.

Benard Arap kirui..
Ukipata bibi mwenyewe anakupeleka polisi huyo sio bibi ni mangaa mrudishe kwao period #MainaAndkingangi
Peter Kimatia..
take me to police coz of money! that marriage will end same day
One of Many…
@ItsMainaKageni My Father Once took 0.5 Million from mama. He claimed its for some Job he Got. Nigga went and Drunk all that Money with His Father, Bought some Land and Left mama to Pay for that 500K. Today, i’m helping mama Pay for that loan. What a WasteExpressionless face

Allan Mwangi..
@Classic105Kenya taking your husband to police is a joke of a lifetime I can’t condone that…kwani wao no ngapi tunawapeaga na they don’t refund…I gave mine 750k na she never gave back till now n that was 5 years ago…n she gave to her brother…
when it comes to money that’s a sensitive topic. There is a difference when one uses the term “refund” that means you taking the money as a loan. And there is amount you can let slide but there is that amount ata bibi yangu ntamuitia police if
Jymo Ngash..
Whatever is in the house belongs to both of us.the way they say pesa ya bwana ni yetu.if I happen to borrow money from her then am not able to pay on time,she should wait coz pia nashugulikia familia.If she happens to take me to police that’s the end of us.

It is embarrassing how our society has changed. Where does a woman get guts to take the head of the family to the cops. Even if I don’t pay you do that you are not my wife any more. This happens when a man is experiencing financial difficulties.

mustafa zuzu mpienga

if I could ask cop to help..Langata Prison will be full..zile fare zangu wamekula… So ukichezwa wakubali pia.. dunia duara

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‘She’s a debt ridden gambler’ Co workers tell husband about wifes dirty secret




In Sickness, Health…and Debt?

When you join in matrimony with your spouse, you make the vow to face life’s great moments and challenges together. One vague question arises though – does that include debt?

Say for instance one of you is a diligent saver while the other a spendthrift who is up to their life in debt. What’s worse is if they are a defaulter, what does one do?

What if he/she dreams of starting his/her own business but needs to take out a massive business loan? As his/her spouse, are you going to be on the line if he can’t pay?

Those were some of the points of discussion on Classic 105 where hosts Maina and Kingangi asked listeners to give their opinion.

One frustrated friend told of his co workers struggle with debt and the difficult decision her husband had to make.

Our workmate started getting into wash wash activities,and everybody tried to help her stop and each time she went back to it. I told the husband that let your wife go to jail for a bit to learn a lesson, and believe me as mean as it looks he did just that. I would let my wife go to jail for a bad debt if she did it secretly,

If I was not consulted and you become very arrogant about it run to that person who is a softie, who will side with him/her. If you don’t take a hard stance your children will pay for it, so the best thing is let them deal with it – go to jail

Dear Classic 105 fam, is this a good solution to deal with a spouse who is hardheaded and can’t get out of debt? Drop us your comments below.

Also read more here

I gave my husband Sh240,000 for a college degree


In many marriages or living situations, spouses go the extra mile for their loved ones.

It is not uncommon to hear a man or woman say they paid for their spouse to get a better education. The motivation being that things will get better financially for the family.

A female breadwinner revealed on Classic 105 that she put her husband through University, but he is ‘ungrateful’.

She explains her predicament

When I met my husband we both had diplomas and were employed in the same place, so when an opportunity arose for him to go to school, I supported him to go to campus.

She worked hard to support her husbands through school

I was paying fr his campus, I gave him Sh240k lumpsum money, coz he was going for regular courses to cater for fees and accommodation, so when he finished campus and he came back home, he wanted a better paying job.

He wanted to move into another job, and once again the loving wife helped him out

There was a job, but he didn’t get through, so he asked me for a favor to get it. I helped him get the job. In his former job he was earning 30k but the new offer was 170k,

The strategy of supporting her man did not work in her favor, as he soon showed his true colors

and the thing is when it was my turn to go to school, he didn’t support me, he didn’t even attend my graduation, but we are still together, I still love him, and now we are even building a house.

Girls, do you expect a big pay off later when you help your man?

what has been your experience, share below.

Also read more here

3 things you shouldn’t do if you want to save money

Courtesy Beryl Oywer

The holidays are approaching very fast and we are all bound to spend more than we have budgeted for. But if you don’t want to be on the red literally come Christmas, then some things have to get off your to do list.

  1. Do not invest or spend on emotions

Simply put, stop letting how you feel dictate what you buy. Emotional spending occurs when you buy something you don’t need as a result of feeling stressed, bored, unappreciated or in some cases happy. Well there’s nothing wrong to appreciate yourself from time to time, when you get a promotion or when you just want to treat yourself for meeting your targets, however don’t break the bank with a new Swarovski watch just because you went to the gym three days in a row.


  1. No need for unnecessary outings, if it’s not bringing you money sit your behind at home

How much time are you wasting on useless activities? If it doesn’t add value to your life, leave it. You don’t need to attend the latest pool party or go to the new brunch spot in Westlands. The Fear of Missing Out, is just that a fear.


  1. Reduce the amount you’re spending eating out

Eating out is easy but it’s not cheap. If you don’t know how to cook, you won’t like this. If you’re spending more eating out than on grocery shopping then its high time you stop. If you’re working and you’re tired when you reach home, try a meal prep. This will not only save your money but give you the chance to choose healthier options.


So what should you do?

-Think long term by tracking your expenses, create a budget and live by it.

-Get an accountability buddy. When you’re itching to spend, call a friend you trust who will talk to you straight.

– Meal prep. Don’t give yourself an excuse to buy a meal. 

-Try no-spend days a few times per month.

Also read more here

‘Money buys me happiness’ shouts Maina Kageni on lifestyle


Maina Kageni began the taste of the good life early in life.

He recently revealed he and his siblings inherited their late fathers property when he turned 21. The wealth was left to the late Kageni’s three children to avoid a succession battle, according to the confessions of Maina.

Maina’s father died when he was only two years. Read the story below.

Even my Dad was guilty’ Maina Kageni shares rare details 


While you spend days fulizaing, Maina has no such problems.

He told a seething Mwalimu Kingangi who was recounting how tough life is that

money buys me so much happiness it’s ridiculous

The highest paid radio presenter lives a good life, and the little snippets he shows us proves so.

He added about his wealth, leaving Mwalimu Kingangi envious and feeling sorry about his poverty

if your money doesn’t make you happy give it to me, I need to lean to appreciate it, you stay there saying money doesn’t make you happy


Maina Kageni responds to those curious about his dad (exclusive)

Besides cars, Maina has interests in real estate in Kenya and the US. He talks alot about the importance of buying property. .

He has worked with many brands raking in loads of cash, as he jets in and out of Kenya for work.

Dear Classic 105 fam, how are you making it in these harsh economic times?

 Also read more here



Women can’t become successful without a man’s financial help


Is a man in any way involved financially in the eventual success of women?

The issue of whether a woman can’t be successful without a mans financial help caused quite a buzz on the morning conversation with Maina and Mwalimu.

Men called in saying women can’t make it on their own and that a mans wallet is the key to a woman making any wealth.

Mwalimu Kingangi said

Behind every successful woman there is a man crying somewhere. 

There is a man ameisha amekonda kabisa because of this, we are talking about suffering men, kuna mwanaume amenyonywa ameisha

Back in 2013, a study published online in the Journal of Personality and Social Psychology.suggested that a womans success hurts her male partners ego. The study involved 896 people in five experiments conducted in the United States and the Netherlands.

It all was ignited by a classic fan’s comments hitting out at women that

You know we are the capital, kwa pesa za mwanamke lazima pesa ilianzia kwa mwanaume, where do they get their money from 

If you traced the source of a woman’s wealth, is it possible that a man contributed by financing her along the way?


Maina dismissed these thoughts as coming from men with fragile egos, sentiments supported by his female fans who responded harshly

This is pure stereotyping……today’s woman is educated. That’s what this bitter men speaking are scared of. Let it choke them hard that today’s woman doesn’t need them to rise. They can do it. It’s not even debatable!
Women are hard working and many we have made it even without a mans help!This mentality of there must be a man behind a woman’s success is total nonsense!😡

Why should men underestimate our strength, we nowadays don’t allow you to think on our behalf ,please apply logic when you gotta disagree with this.We are independent!!!!!!!!!!!!!!!!!!!!!!!!!
This is not the era where women r sat on she has ideas to make money and a future for her family…..so e need to make herown money an its not contributed by any man she uses her hands and mind….men stop undermining women…..#MainaAndKingangi
The reason why most single moms are good financially is not because they are getting through men,its because of their hardwork since they can do several jobs to make ends meet because hakuna mwanaume atamkazia kufanya kazi flani bora n descent na inaleta chakula kwa meza.
Jennifer Kanyiri
kwani men think they’re the only ones entitled to have money and wealth? Today’s woman is educated and get her own money #MainaAndKingangi
The men saying that women can’t make it on their own are not only insulting hardworking women but men too who are a product of single mothers who singlehandedly raised their kids from scratch and never gave up. May God forgive them for their ignorance. #MainaAndKingangi
You mean if I wake up 2day&decide am doin this,I’ll get my first capital frm aman?thea soft loans I can easily get for heaven sake!
In this case men r tryin to say they’re the only source of money Stupidity of the highest order



Also read more here

Dear Wives: How to cope with an unemployed husband


Classic 105 co- host Mwalimu had one major accusation against Kenyan wives on Tuesday. That they don’t hold their man when he is down.

He reasoned that is one of the reasons why when a man finally re emerges from the trenches and becomes rich once again, he will ignore the wife.

‘Men take financial risks for their family that sometimes goes wrong.  This is when you know your wifes true colors.’ he opined

Ladies, should a man go out there make some terrible financial decisions and then make you live with the consequences? Maina asked.

How long should you hold his hand? Was another question Maina Kgeni posed to listeners after Mwalimu accused women of not being supportive when a man is down and out.

Two male callers gave their opinion

The first stated that

‘Once you get married you become one, and you need to accommodate that, I don’t need to consult my wife about finances, you don’t anticipate that when I take a loan it will go down, look at it this way if I take a loan and success si she will celebrate? The same way if I get broke she should support me, it doesn’t matter,

Another said ‘She should support me until I recover, I work hard I’m a man, the head of the house, so she if she has some money she should fund my business, because most of these ladies we sort them out if they over borrow, so she should do the same thing for me if I’m’ in financial trouble’

Here are some tips for a woman on how to cope with such a situation.

  1. Lower your expectations: Easier said than done, but if you expect the same lifestyle, it will be upon you to fund it.
  2. Be his biggest cheerleader if he is trying to get back on his feet.
  3. Don’t dig into your savings too much. Remember the reason you are saving money, while paying expenses at the same time.

Also read more here

I struggle with all the bills, yet I am married to a wealthy man

Money is threatening to ruin the marriage of one city mum who ranted to Maina Kageni how stingy, yet generous her husband is.

She began her story saying

My husband does not even give me a single coin

I don’t expect a man below my standards to approach me

The husband routinely spends big bucks on his friends in the club, but not a coin to foot bills at home.

and even at home when we have problems he doesn’t give me a coin, even when I’m broke, but he has all the time to chew miraa and buy people drinks, and has never told me take this money and go buy our kids food, etc


He out earns her yet she carries the financial burden at home

‘he can’t even give me one bob yet he is earning four times my salary, for instance in the supermarket he will make me return things from the trolley,


My husband eloped with a cucu slay queen because I don’t wear makeup

Dear Classic 105 fam, how d you split expenses with your man? Share some tips, you could save someones marriage from crumbling.

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Financial confession: My wife’s Sh1million loan is ruining our lives

It is no secret that money and the lack of it ruins marriages.

Money issues arise in relationships, that people who say they’re experiencing stress in their relationship cite finances as the number one reason — easily beating out the second place contender: annoying habits, according to a study by SunTrust. Money issues are also responsible for 22% of all divorces, making it the third leading cause, according to the Institute for Divorce Financial Analysis.

A man on Classic 105 got emotional speaking about his baby mama

Now I have a story to share today. Now I have this lady we have three baby together, I work in the disciplined forces so we are basically earning almost the same amount Now I’ve worked my way all through, I have a masters degree She has nothing. Now I assessed her payslip recently she took a loan of one million I never saw that money I do not know where it went.

Accessing her gmail you know these apps have they usually send reminders and notifications I found the statement there I don’t know what to do coz she is so much into debt she wants all my salary. I’ve built a home for her. I don’t know where she takes her money.

‘We face pressure from friends wearing Sh80,000 wigs’, confesses woman

Don’t they ever have this conversation as a couple?


‘she does things behind my back. I have given up, when I ask her, she says it’s her business and I have seen nothing that she has bought. I don’t know where the money goes,

The question for spouses is

Is your relationship suffering because your partner is a heavy borrower? 

Ho do you deal with a financially irresponsible partner?

When your spouse is deep in debt, what do you do?

Also read more here