‘Teach a man to spend money on you’ Kenyan woman advises


How many times have you heard out there a married man bragging that his woman is fine, he doesn’t need to worry about things at home? Sound familiar?

This situation is very common according to one woman who called in to the Classic 105 show, to share tips on family finances.


Just read this quote first before we get into it.

Girls, it is your right to expect a man to pay for your dinner, your movie ticket, your club entry fee, or anything he has to pay for in exchange for your time. began comedian TV show host Steve Harvey.

The upset woman said to Maina Kageni that

the number one mistake women make with these men especially when you land yourself a stingy man is showing them you can be independent, especially financially.

You show a man you can take care of all your financial needs, rub it in his face? The day you come to him and ask for a coin, trust me aki sha zoea, whatever he will give you will be little or nothing knowing that you have money, when he gets used to being shown that you are financially independent?

You don’t hear them bragging out there ati my mama is a mama who sorts herself out. so this thing of miss independent it blows. the day you are needy that man won’t care. 

So what should a woman do?

From the word go let that man spend on you let him take care of you teach him how to spend on you, so girls out there, let them listen 

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Tips: 10 Ways of settling your financial debts fast

There is nothing as bad as being distressed about the numerous loans you owe to Mshwari, Tala, KCB Mpesa, Fuliza and other loan sharks.

Even the thought of being listed on CRB, traumatizes many Kenyans.

Debts at times can be embarrassing and racking your brain about how to pay it back is a challenge.

Here are some ways in which you can settle your debts fast;

Picha inayohusiana

Debts list

Make a debt list of each and every person you owe any money and plan on how to settle them. This will be easier for you to know your progress and have a plan on getting more cash to finish all your bills.

Reduce your expenditure

This includes going for items that go for cheap or average prices if need be. Do not overwork yourself by purchasing more than you can cater for. This will help you to avoid getting whatever you need on credit.

Avoid new debts

Do not go for a new debt before settling your previous. You burden yourself further by piling on more loans to pay back.

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Educate your self

You should seek financial advice if you have problems with how you spend your money. When you are more informed, it becomes easier for you to have a responsible money breakdown.

Needs and wants

When you understand your wants and needs, your money expenditure will be minimized. You should not give your wants the first priority but always focus on your needs.

Avoid subscriptions

These subscriptions can make you spend a lot of money even when you do not have the cash. They should be done mostly when you are financially stable.

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All the money should be under a budget on how each penny is spent. This will help you avoiding buying other non-essential things that are probably not in the budget. This can help you save money a lot.

Appreciate your standard

It is better to understand your financial class as it will always help you mind how you spend money. Avoid buying expensive things that you can’t afford.


Set a goal on whatever tally you owe someone and work towards achieving it. This will acts as a great inspiration as you will put all the required effort to pay off the debt.

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Always motivate yourself towards settling your bills no matter how big they seem to be. When you put all the effort towards paying off even the people you owe can either give you a discount or give you a grace period.

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How to organize your budget with the 50/20/30 rule 

– The budgeting rule is a simple way to keep spending in check with savings goals

– The guideline is great for those who are new to the world of money management

– Concept allows people to get a handle on personal finance without much effort

The 50/20/30 rule is a guide to distributing your income and it works to give you a clear sense of where your financial priorities lie.

The idea is that as much as 50 per cent should to be spent on essentials, 20 per cent ferreted away for savings and the remaining 30 per cent dedicated to lifestyle.

Here, FEMAIL takes a look at the unique concept and reveals just how easy it is to create an organised budgeting plan.

Essentials – 50 per cent of your income

The cornerstone of this rule is to set aside 50 per cent of your net income (income after tax) for essential living.

And while this might seem like a lot, it’s a sum that includes the absolute necessities in life – those you would be paying out no matter what your life circumstances.

According to budgeting website Mint: ‘In general, these expenses are nearly the same for everyone and include housing, food, transportation costs and utility bills.’

This category is strictly for needs – those payments that would severely impact your life if you were to forego them. Anything else falls into the category of wants.

Savings – 20 per cent of your income

The remaining 50 per cent of your money is split two ways.

Twenty per cent is dedicated to savings, ahead of discretionary spending, to give you a chance to build some reserves.

Here, you can decide whether you want to start a special fund, pay down mshwari/Tala debt, or do both.

‘Think of this as your “get ahead” category. Whereas 50 per cent (or less) of your income is the goal for essentials, 20 per cent – or more – should be your goal as far as obligations are concerned.’

Personal – 30 per cent of your income

The last category, 30 per cent, can be used for spending on wants.

While this might sound like the most fun part of the budget, it’s one that can be a little tricky.

The reason for this is that as well as discretionary spending – that’s spending on luxuries – this category may need to stretch to cover other expenses such as gym memberships, clothing or streaming service subscriptions.


Biggest money mistakes couples are making

Whether we like to admit it or not, money matters.

Australian financial adviser Melissa Browne, says being on the same page when it comes to finance is an essential ingredient for a lasting relationship.

Self described ‘author, speaker and shoe addict’ Ms Browne told the Daily Telegraph that although discussing money is often regarded as ‘uns3xy’, maintaining an open line of communication about finance is actually the key to a healthy, happy coupling.

And research shows that Ms Browne’s analysis is accurate – money is the number one cause of relationship arguments and on average, finance provokes three disagreements between couples every month.

‘I believe that if you really want to have a healthy relationship, you eventually need to have the talk about money,’ the accounting firm CEO said.

Conversations about finance can feel awkward and uncomfortable for many people, especially with their significant other.

This can lead to problems further down the line, Melissa Browne believes, because couples don’t explore each other’s ‘money values’ to see if they are truly ‘financially compatible’.

While extreme generosity and spontaneity can be attractive qualities when we first meet somebody, differences in your beliefs on saving and spending can cause tension as the relationship progresses

Melissa Browne says that while most couple’s are happy to discuss fun spending subjects like holidays, conversations about serious issues like credit card debt or  saving for a mortgage are too-often avoided.

So how does the finance guru recommend changing our attitude to chatting about cash?

‘You just start,’ Ms Browne says frankly. 

‘By suggesting to your partner that money is the number one thing couples fight about and you want to ensure it’s not something that becomes an issue in your relationship, you are introducing the topic as a positive thing’

The accountant suggests starting on easy territory by discussing your own money values and how you were brought up to treat income and expenditure.

The financial planner believes that bringing transparency into a new relationship helps to reduce the risk of serious arguments later on, as you are introducing complete honesty when it comes to what you have, what you owe and perhaps most importantly, what you find easy or difficult when it comes to money.

Melissa Browne admits that while it may be awkward at first, bringing financial openness to your relationship needs to be something we are willing to do if we want the romance to develop in a healthy, trusting way.