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Breaking the PAYCHECK-TO-PAYCHECK cycle

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We all get that feeling in the pit of our stomachs when we realise that we have just used the last note in our wallet and yet payday is a week away. The struggle of living from paycheck-to-paycheck in Kenya is an epidemic that needs to be wiped out like vermin. It is an unsettling reality that very few Kenyans have enough money to cushion them in case of a rainy day. Change is more than necessary in order to break free from this vicious paycheck-to-paycheck cycle. Here is how…

Save, save, save.This cannot be underscored enough. Whatever financial literacy seminar you will attend, you can be sure that this will be on the menu. So, for the umpteenth time, save. The first step to saving is opening a savings account and setting up an auto transfer into the savings account. Determine the amount you want to save and this can be as little as Kshs 500 – this ensures that you are automatically saving something. In the long run, you will be assured of an account that is not reading negative.

Create a budget and stick to it.Many of us cringe at the word “budget” but without it, we muddle through bill after bill. Think of budgeting as a process of summing up how you use your money and creating guidelines. Not only does it increase your consciousness of how you spend your money, but also helps you spend it on important and necessary things. When coming up with a budget, start by going through your bills for the last three months. This will provide useful information about your spending habits. Review the bills starting with the most important items to the least important. Look for ways of reducing the expenses by ruling out bills that you can live without by categorising them into needs and wants. One feature of a successful budget is customising it to your needs.

Do shopping once a week. Select one day of the week when you will be doing your household shopping, be it groceries or vegetables. We all have the best intention when we rush to the supermarket or the market to grab that one item but inexorably, that loaf of bread or bunch of kales metamorphoses into a loaded grocery trolley with a cluster of needless item. Eventually, you end up spending more than you had intended. Many of us are guilty of this. Keeping your shopping to once a week and always preparing a shopping list beforehand will grant you opportunities to save a lot of money.

Cut down on the days you go out. Let’s be candid here, we all need time to socialise and unwind with friends. It is also a reality that we spend a lot of money during these outings that sometimes we are forced to leave our phones with the bar attendant as a warranty to clearing our debts. But it need not be this way. If you consider going out once a week or twice a month, and staying in the other nights, you will definitely see some changes in how you spend your money. This step allows you to have fun and at the same time save some bucks.

Be accountable. Have your friend or significant other tell you how they spent their money and you do the same. Accountability is a great motivator as you are more likely to follow through your plans when someone is holding you to a particular task. This will keep you from spending thoughtlessly.

Start a side hustle. Really. One of the reasons why you are stuck in this rut of paycheck-to-paycheck is because you are relying solely on your paycheck. You simply have no other source of income. Investing in a side hustle will go along way in ensuring you have a constant supply of money no matter how little. Side hustles range from working overtime at your place of work to starting a micro business such as supplying eggs or milk to your local supermarket.

So if you find yourself living from paycheck-to-paycheck, challenge yourself to take these transitional steps this month to set yourself on the track to change.

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

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While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

Published

on

While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

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Cover Story

Endometriosis and sex: How to make intimacy pain-free

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There is no doubt that endometriosis can affect a woman’s way of life. The condition slews a couple of conditions, painful sex being one of them. Penetration pulls and pushes any tissue growth behind the vagina and lower uterus.

Although symptoms may differ from woman to woman, here are some things you can do to lessen your pain and ensure you have some good time:

Take a dose of painkillers

Take an over the counter painkiller that sits well with your body before intercourse and incase pain persists, take another one as prescribed.

Track your cycle and try at certain times of the month

Most women with endometriosis experience excruciating pain during their period and ovulation. Keep track of your cycle so that you can know when you are ovulating. You can use apps like my calendar and flo period tracker to track your periods. This will help you know when best to engage in sexual intercourse.

READ ALSO: Crucial Facts About Endometriosis Everyone Should Know About

Use lube

Vaginal dryness is not something to be ashamed of and if you happen to have it, lube should be your best buddy. Make sure to use any silicon or water based lubricant anytime you feel like your vagina is dry. Ensure the application is of good amount to achieve a wet area.

Explore alternatives

Talk with your partner about things that turn you on and bring you pleasure. Just to mention a few; mutual masturbation, foreplay, kissing and mutual fondling. Sex does not have to mean intercourse.

Try different positions

Experimenting different positions can teach you and your partner which ones hurt and the ones that bring direct pleasure with no or less pain. Positions that are considered better vary from person to person so take the time to explore and learn yourself with your partner.

Find the right rhythm

Finding the right rhythm can help you experience less discomfort during sex. Quick thrusting or deep penetration can aggravate pain. Talk to your partner about that which you do not like and find ways that will satisfy the both of you like exchanging positions so that you can control the speed and rhythm.

Bottom line

Intimacy does not have to be boring, painful or make you hate the condition that you have. Talk openly about your feelings around sex and penetration and what would help to ease your concerns.

Our FREE  e-paper March Issue is here!
As we celebrate our women this month, we bring you the best stories and the most inspiring features to get you going.
Click HERE to read!

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