Money Moves Daily

18/08/2025

The Central Bank of Kenya has rejected Ksh 200 billion.

Now I know the big question is, why would CBK reject KES 200 billion, especially now when the economy is in such turmoil?

Let me explain:
CBK had invited bids for the 15-year and 19-year infrastructure bonds (IFB) with a return of 12.96% annually.
It sought to raise Ksh 90 billion from Kenyans, but Kenyans raised over Ksh 324 billion, so CBK only accepted Ksh 95 billion and rejected the rest.

Na mtasema hakuna pesa Kenya.😅

The number one reason why infrastructure bonds are popular and very competitive is because they are tax-free and therefore, the yields are very good.

Tell me, would you like to know more about Infrastructure bonds and how to bid so that next time you are not left out?

18/08/2025

Looking to boost your passive income through dividends?
This month, these 3 dividend-paying stocks are closing their books:

📌Kapchorua Tea (KAPC)
Dividend: Ksh 25.00 per share
Estimated return on Ksh 100k: Ksh 10,508

📌Williamson Tea (WTK)
Dividend: Ksh 10.00 per share
Estimated return on Ksh 100k: Ksh 4,481

📌Safaricom (SCOM)
Dividend: Ksh 0.65 per share
Estimated return on Ksh 100k: Ksh 2,470

If you've been waiting for a sign to start investing, this is it.

14/08/2025

14/08/2025

💡 Dividend Stocks: Earn While You Invest

Dividend stocks are shares of companies that regularly share part of their profits with shareholders. These payments are called dividends and are typically paid quarterly.

Example: CompanyA currently has a dividend yield of about 6% per year.
If you invest KES 10,000 today, a 6% yield would give you KES 600 in dividends per year, in addition to any potential increase in the share price.

Now imagine you have KES 10,000 of disposable income every month. You could buy more shares each month and increase your dividend income over time. This is called compounding because your growing investment generates more dividends, which can be reinvested to purchase even more shares.

📊 If you did this for 5 years:

Total invested: KES 600,000
Estimated annual dividends after 5 years: Around KES 54,000 (about KES 4,500 per month)
Plus, you’d own a large portfolio that could also grow in value over time.

✨ If you had started 5 years ago, that’s the kind of passive income you could be enjoying today.

✅ It’s never too late to start. Start with what you can and let compounding work for you.

13/08/2025

💡 Government Bonds: A Low-Risk Investment

Government bonds may be a suitable choice if you seek a low-risk investment that helps your money grow.

📌 How it works:
You lend money to the government for a certain period, and they refund you with interest.

Example:
You invest KES 100,000 for 2 years in a 14% per annum-paying government bond.
Year 1 interest: KES 14,000
Year 2 interest: KES 14,000

When it reaches maturity, you get your KES 100,000 back + KES 28,000 interest in total.

✅ Pros:
1. Safer than shares or properties
2. Fixed income, so you know what to expect
3. Guaranteed by the government. The government always pays.

⚠️ Cons:
1. Returns may be less than on high-risk investments
2. Your money is locked up until maturity (except if you sell in the secondary market)

📍 Tip: In Kenya, you can start investing in government bonds through CBK with a minimum of KES 50,000.

For more information on how to do this visit;
https://www.centralbank.go.ke/securities/treasury-bonds/

Small moves today can create alerts like this tomorrow. Ready to learn how? Stick around.

12/08/2025

💡 5 Simple Money Rules That Will Save You Years of Stress

1. Always Pay Yourself First
Before paying bills or buying anything, put at least 10% of your income into savings or investments. Treat it like a bill you can’t skip.

2. Have 3–6 Months of Expenses Saved
Emergencies happen- job loss, medical bills, unexpected repairs. A safety net keeps you from falling into debt.

3. Never Finance Wants
If it’s not essential (like housing or education), don’t borrow for it. Interest will eat more than the item’s worth.

4. Track Every Dollar
Use free apps like Mint or PocketGuard to see where your money actually goes. Awareness is the first step to control.

5. Invest Early, Even Small
You don’t need thousands to start. Consistency beats big one-time amounts when it comes to building wealth.

💬 Which one of these do you already follow? Which do you struggle with the most?

12/08/2025

12/08/2025

💰 5 Side Hustles You Can Start Today With $0 (Even If You're Broke)

1. 📦 Resell Free Stuff
Check Facebook Marketplace, Craigslist, or local community groups for free items. Clean them up, take better photos, and resell them online. People throw away valuable things all the time.

2. 🎧 Audio Transcription
If you can type and listen, you can earn. Platforms like Rev and TranscribeMe pay you to turn audio into text. You just need a laptop, internet, and some patience.

3. 📝 Freelance Writing
No degree required—start by writing product descriptions, blog posts, or reviews. You can find clients on freelancing platforms or by reaching out directly to small businesses.

4. 🎨 Design Printables
Use free tools like Canva to create planners, journals, or budgeting templates. Upload them to Etsy, Gumroad, or Payhip and earn whenever someone downloads your design.

5. 🎙️ Voiceover Work
If you’ve got a clear speaking voice, you can record ads, narrate videos, or even voice audiobooks. Many clients don’t care where you’re from as long as the audio is clean.

💬 Which one would you try this week? Drop it in the comments.