It's hard to fix what you can't see. Take 15 minutes and list every loan: mobile loans, Fuliza, M-Shwari, bank, Sacco, chama, family, shopkeeper credit.
For each one, write down how much you owe, the monthly payment, the due date and the cost: interest and fees.
This can feel uncomfortable, and that's normal. Most people find the total is either less scary than they feared, or a wake-up call that finally gets them moving. Either way, you now have a plan to work from.
Your next stepList your debts in My money →