Your money plan
Your month.
Give it a plan.
Start with the money available to you and make room for what matters.
01 / KNOW WHERE YOU STAND
A useful plan starts
with what you know.
A salary, trading income or seasonal work: record what comes in and when it arrives.
- 01
Use money actually available
For wages, use take-home income. With irregular work, plan for a quieter month; do not treat a new loan as earnings.
- 02
Separate your commitments
List food, housing, transport and other essentials. Record debt payments separately so they are not counted twice.
- 03
Plan, then review
Set amounts for goals and flexible spending. Each week, compare your plan with what you actually spent.
YOUR RESULTS
Your next step
starts here.
Enter your own figures, then calculate.
Planning only. This does not calculate account interest, SACCO charges or a lending decision. Figures are neither stored nor sent.
02 / A CASH RESERVE
Build a little
breathing room.
Choose a goal that fits your essential costs and the stability of your work. A target should not crowd out food or payments already due.
The reserve target multiplies essentials plus debt payments by your chosen months. A monthly surplus does not prove cash is available on each bill date: keep a calendar too.
Plan another savings goalReviewed on 8 September 2026. These are general learning resources; ask Birunga SACCO for its own prices and terms.
YOUR NEXT STEP