The 3-Question Test Before You Spend Ksh 1

Every shilling you spend should earn its place in your wallet.

Before you buy that course, gadget, or “hustle tool,” ask yourself these 3 questions:

Question 1: Will This Solve a Real Problem I Have Right Now?

Not “maybe later.” Not “someday.”
Today.

Example: Buying a phone stand because you’re filming tutorials daily? ✅
Buying a “premium course” because you’re bored? ❌

Question 2: Can I Get 80% of the Value for Free or Cheaper?

YouTube, free trials, library books, WhatsApp groups—Kenya is full of free knowledge.
Don’t pay for what you can learn first.

Question 3: What’s the Minimum I Need to Test This?

Instead of Ksh 5,000 for a “full package,” can you spend Ksh 200 to test one part?
Small bets > big regrets.

Your New Money Habit

Every expense gets the 3-question test.
No exceptions.

Because real wealth isn’t about how much you earn—it’s about how wisely you spend.