Sacco Space, Upper Hill, Nairobi West (2025)

04/12/2025

𝑩𝒆 𝒉𝒐𝒏𝒆𝒔𝒕… 𝒘𝒉𝒊𝒄𝒉 𝒆𝒙𝒑𝒆𝒏𝒔𝒆 𝒊𝒔 𝒔𝒕𝒓𝒆𝒔𝒔𝒊𝒏𝒈 𝒚𝒐𝒖 𝒕𝒉𝒆 𝒎𝒐𝒔𝒕 𝒓𝒊𝒈𝒉𝒕 𝒏𝒐𝒘? 😅

Is it rent?
Is it transport?
Is it food?
Is it school fees?
Or is it that one “small” bill that keeps surprising you every month?

Tell us the one expense that’s eating your money the most. Let’s compare notes in the comments.

04/12/2025

𝑬𝒗𝒆𝒓 𝒇𝒆𝒆𝒍 𝒍𝒊𝒌𝒆 𝒚𝒐𝒖𝒓 𝒎𝒐𝒏𝒆𝒚 𝒅𝒊𝒔𝒂𝒑𝒑𝒆𝒂𝒓𝒔 𝒕𝒉𝒆 𝒎𝒐𝒎𝒆𝒏𝒕 𝒚𝒐𝒖 𝒈𝒆𝒕 𝒑𝒂𝒊𝒅?

There’s a simple budgeting rule Kenyans are using to stay on track and I broke it down in a Kenyan context.

Swipe through to see how the 50/30/20 rule actually works for real life in Kenya.

Does your budget look anything like this?

03/12/2025

Want to level up your money game?

We broke down 5 simple habits every Kenyan should master and they’re easier than you think.

Swipe through the carousel to see the habits that can actually change your finances.

02/12/2025

𝑰𝒇 𝒚𝒐𝒖 𝒄𝒐𝒖𝒍𝒅 𝒕𝒆𝒍𝒍 𝒂 𝒇𝒊𝒓𝒔𝒕-𝒕𝒊𝒎𝒆 𝑺𝑨𝑪𝑪𝑶 𝒃𝒐𝒓𝒓𝒐𝒘𝒆𝒓 𝒐𝒏𝒆 𝒕𝒉𝒊𝒏𝒈… 𝒘𝒉𝒂𝒕 𝒘𝒐𝒖𝒍𝒅 𝒊𝒕 𝒃𝒆?

Let’s help someone out there make better decisions.

Maybe you’ve taken a SACCO loan before.
Maybe you’ve guaranteed someone.
Maybe you’ve seen things go really well… or really badly.

Either way, your advice could save someone money, stress or even their membership.

02/12/2025

𝑴𝒊𝒔𝒕𝒂𝒌𝒆𝒔 𝑲𝒆𝒏𝒚𝒂𝒏𝒔 𝑴𝒂𝒌𝒆 𝑾𝒉𝒆𝒏 𝑻𝒂𝒌𝒊𝒏𝒈 𝑺𝑨𝑪𝑪𝑶 𝑳𝒐𝒂𝒏𝒔

SACCO loans are amazing.
But many Kenyans still hurt themselves simply because they don’t understand how the system works.

So today let’s talk about the common mistakes people make, in the simplest way possible.
If you’ve made one before… you’re not alone.

1️⃣ 𝑩𝒐𝒓𝒓𝒐𝒘𝒊𝒏𝒈 𝒇𝒐𝒓 𝒍𝒊𝒇𝒆𝒔𝒕𝒚𝒍𝒆, 𝒏𝒐𝒕 𝒈𝒓𝒐𝒘𝒕𝒉

This is the biggest trap.

Taking a loan just to “upgrade life” feels good in the moment…
new phone, new furniture, new TV, weekend plot, flashy purchases…

But after the excitement fades?
You’re left with monthly deductions and zero returns.

A SACCO loan works best when the money grows you,
not when it grows pressure.

2️⃣ 𝑴𝒊𝒔𝒖𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅𝒊𝒏𝒈 𝒕𝒉𝒆 𝒍𝒐𝒂𝒏 𝒎𝒖𝒍𝒕𝒊𝒑𝒍𝒊𝒆𝒓

Many people hear “3× multiplier” and think it’s automatic.

It’s not.

Your multiplier is based on:
✔ how long you’ve saved
✔ how consistently you deposit
✔ your share capital
✔ your guarantors

If you’ve saved KSh 10,000, you won’t magically get 50K.
You get what your savings and your SACCO rules allow.

Understanding this saves you a lot of frustration.

3️⃣ 𝑰𝒈𝒏𝒐𝒓𝒊𝒏𝒈 𝒓𝒆𝒑𝒂𝒚𝒎𝒆𝒏𝒕 𝒕𝒊𝒎𝒆𝒍𝒊𝒏𝒆𝒔

Some people take loans and think repayment “will figure itself out.”

It won’t.

You need a plan.
A real plan.

- How much will I pay monthly?
- For how long?
- What happens if my income drops?
- Can I restructure if needed?

Loans don’t fail because they’re expensive.
They fail because there’s no repayment strategy.

4️⃣ 𝑹𝒆𝒍𝒚𝒊𝒏𝒈 𝒐𝒏 𝒈𝒖𝒂𝒓𝒂𝒏𝒕𝒐𝒓𝒔 𝒘𝒊𝒕𝒉𝒐𝒖𝒕 𝒖𝒏𝒅𝒆𝒓𝒔𝒕𝒂𝒏𝒅𝒊𝒏𝒈 𝒕𝒉𝒆 𝒓𝒆𝒔𝒑𝒐𝒏𝒔𝒊𝒃𝒊𝒍𝒊𝒕𝒚

Your guarantors are not just signing for fun.
They’re putting their savings on the line.

If you fail to pay…
they pay for you.

Some people lose friendships over this.
Some even get kicked out of SACCO groups.

If you take a loan, respect your guarantors.
Communicate. Pay on time.

5️⃣ 𝑻𝒂𝒌𝒊𝒏𝒈 𝒕𝒉𝒆 𝒎𝒂𝒙 𝒍𝒐𝒂𝒏 “𝒋𝒖𝒔𝒕 𝒃𝒆𝒄𝒂𝒖𝒔𝒆 𝒊𝒕’𝒔 𝒂𝒗𝒂𝒊𝒍𝒂𝒃𝒍𝒆”

Just because you qualify for a big loan doesn’t mean you need it.

A loan is not free money.
It’s money with a return ticket.

Borrow what you need.
Not what looks exciting.

𝑭𝒊𝒏𝒂𝒍 𝑻𝒉𝒐𝒖𝒈𝒉𝒕𝒔

SACCO loans are powerful tools.
They can help you build, grow and achieve things you never thought possible.

But only if you use them wisely.

Its Your Turn To Contribute Below 👇🏿

Which mistake have you made… or seen someone else make?
Borrowing for lifestyle? Misunderstanding multipliers? Struggling with repayments?

Share your experience below. It might help someone avoid the same mistake.

01/12/2025

SACCO loans don’t have to be confusing.

Guarantors, multipliers, interest rates… we broke it all down in the simplest way possible.

If you want to finally understand how SACCO loans really work

Swipe through.

01/12/2025

Today, on World AIDS Day, we join the global community in reflecting on this year’s theme: “Overcoming Disruption, Transforming the AIDS Response.”

As the world continues to navigate health, economic and social challenges, we honor the resilience of individuals, families and communities affected by HIV.

We also recognize the continued efforts of healthcare workers, policymakers and organizations committed to ensuring access, awareness, and support for all.

Let’s continue championing a future where innovation, compassion and collaboration drive progress toward ending HIV/AIDS.

28/11/2025

𝑯𝒐𝒘 𝑴𝒖𝒄𝒉 𝑺𝒉𝒐𝒖𝒍𝒅 𝒀𝒐𝒖 𝑺𝒂𝒗𝒆 𝑴𝒐𝒏𝒕𝒉𝒍𝒚 𝒂𝒕 𝒀𝒐𝒖𝒓 𝑺𝑨𝑪𝑪𝑶? 𝑳𝒆𝒕’𝒔 𝑩𝒓𝒆𝒂𝒌 𝑰𝒕 𝑫𝒐𝒘𝒏 👇

Most people overthink this question.
You don’t need a big salary to start building wealth through a SACCO.
You just need consistency.

Here’s a simple guide to help you choose your starting point:

🔹 𝑰𝒇 𝒚𝒐𝒖 𝒔𝒂𝒗𝒆 𝑲𝑺𝒉 1,000–2,000 𝒑𝒆𝒓 𝒎𝒐𝒏𝒕𝒉:

Perfect if you’re starting out, your income fluctuates, or you’re building your financial habits.

You’ll:

- Become a member in good standing

- Qualify for small emergency loans

- Start growing dividends slowly but steadily

Don’t underestimate this range. It’s better to start small than not start at all.

🔹 𝑰𝒇 𝒚𝒐𝒖 𝒔𝒂𝒗𝒆 𝑲𝑺𝒉 3,000–5,000 𝒑𝒆𝒓 𝒎𝒐𝒏𝒕𝒉:

This is the sweet spot for most Kenyan households.

You’ll:

- Build discipline quickly

- Increase your loan limits

- Earn better dividends

- Save comfortably without pressure

This is where you start seeing real progress.

🔹 𝑰𝒇 𝒚𝒐𝒖 𝒔𝒂𝒗𝒆 𝑲𝑺𝒉 6,000–10,000+ 𝒑𝒆𝒓 𝒎𝒐𝒏𝒕𝒉:

Great for people with stable income or specific goals like land, construction, business capital or diaspora investments.

You’ll:

- Grow wealth faster

- Access larger development loans

- Boost your share capital

- Strengthen your voting power

A strong range if you’re serious about long-term goals.

𝑻𝒉𝒆 𝒓𝒆𝒂𝒍 𝒔𝒆𝒄𝒓𝒆𝒕 𝒊𝒔 𝒄𝒐𝒏𝒔𝒊𝒔𝒕𝒆𝒏𝒄𝒚. 𝑰𝒕 𝒃𝒆𝒂𝒕𝒔 𝒂𝒎𝒐𝒖𝒏𝒕𝒔 𝒃𝒚 𝒇𝒂𝒓.

Saving KSh 2,000 every month for two years is more powerful than saving 10K randomly.

Your SACCO rewards consistency with:
- Bigger loan limits
- Higher dividends
- Strong financial discipline

You grow by showing up and not by trying to be perfect.

27/11/2025

Bank savings or SACCO savings?

The difference is bigger than most people realize.

Swipe and see for yourself

27/11/2025

We all have that one thing we wish we could finally commit to financially.

For some people, it’s building a home for their parents.
For others, it’s clearing a stubborn loan.
Maybe it’s buying land… starting a business… paying school fees…
Or simply building a safety net so life feels less stressful.

A SACCO is one of the easiest ways to turn a dream into an actual plan, step by step, month by month.

So let’s talk 👇
If you joined a SACCO today, what’s the FIRST thing you’d start saving for?

Your answer might inspire someone else.

26/11/2025

Too many Kenyans are avoiding SACCOs because of myths.

Some of these myths are literally costing people money.

Let’s fix that. 👉 Swipe

26/11/2025

𝑵𝒆𝒘 𝒕𝒐 𝑺𝑨𝑪𝑪𝑶𝒔? 𝑺𝒕𝒂𝒓𝒕 𝑯𝒆𝒓𝒆 👇

Imagine you’re tired of watching your money disappear into “survival expenses.”

You want to save, but saving alone feels slow, lonely, and honestly… discouraging.

Then one day, a colleague tells you:
“Join our SACCO. It changed how I manage my money.”

You’re curious.
You join.
And suddenly, things begin to shift.

𝑺𝒐… 𝒘𝒉𝒂𝒕 𝒆𝒙𝒂𝒄𝒕𝒍𝒚 𝒊𝒔 𝒂 𝑺𝑨𝑪𝑪𝑶?

Think of a SACCO as a community bank built by people like you. Teachers, boda boda riders, nurses, civil servants, small business owners, freelancers etc, all coming together with one mission.

To Save smarter. Borrow cheaper. Grow faster.

- 𝘠𝘰𝘶 𝘱𝘶𝘵 𝘮𝘰𝘯𝘦𝘺 𝘪𝘯.
- 𝘠𝘰𝘶𝘳 𝘯𝘦𝘪𝘨𝘩𝘣𝘰𝘶𝘳 𝘱𝘶𝘵𝘴 𝘮𝘰𝘯𝘦𝘺 𝘪𝘯.
- 𝘛𝘩𝘰𝘶𝘴𝘢𝘯𝘥𝘴 𝘰𝘧 𝘰𝘵𝘩𝘦𝘳𝘴 𝘥𝘰 𝘵𝘩𝘦 𝘴𝘢𝘮𝘦.

That pooled money becomes the engine that helps everyone access:

- 𝘓𝘰𝘸-𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘭𝘰𝘢𝘯𝘴
- 𝘙𝘦𝘭𝘪𝘢𝘣𝘭𝘦 𝘴𝘢𝘷𝘪𝘯𝘨𝘴 𝘱𝘭𝘢𝘯𝘴
- 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘰𝘱𝘱𝘰𝘳𝘵𝘶𝘯𝘪𝘵𝘪𝘦𝘴
- 𝘈 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘴𝘢𝘧𝘦𝘵𝘺 𝘯𝘦𝘵

𝙎𝙤 𝙬𝙝𝙮 𝙙𝙤 𝙢𝙞𝙡𝙡𝙞𝙤𝙣𝙨 𝙤𝙛 𝙆𝙚𝙣𝙮𝙖𝙣𝙨 𝙩𝙧𝙪𝙨𝙩 𝙎𝘼𝘾𝘾𝙊𝙨?

Because SACCOs feel like home.
They’re built on community, not profit.

When you save, you’re not just building your future.
You’re helping someone else build theirs and they’re helping you build yours.

C😊mment below:
Are you in a SACCO already? If yes, which one?
If not, what’s stopping you?

Let’s learn and grow together, one smart choice at a time.

Sacco Space

04/12/2025

04/12/2025

03/12/2025

02/12/2025

02/12/2025

01/12/2025

01/12/2025

28/11/2025

27/11/2025

27/11/2025

26/11/2025

26/11/2025

Address

Website

Alerts

Shortcuts

Share

Category