Dear Congregation,

Even as we continue praying to God to bless us financially, which we believe He will, it is important to manage the finances He has already blessed us with in a way that will ensure we are not strained financially and therefore we are not creating unhappiness for ourselves.

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Below are 5 things we need to check out on to ensure we are in the journey towards financial freedom.


Some of us spend so much money on things that are not really necessary just to impress our friends and relatives. My friend, for starters, rent a house where you can afford.

Father CK

It does not matter where your colleagues or relatives are living. E.g. As a rule, ensure you are not spending more than 30% of your money in paying for a house. You don’t have to go out every weekend of the week. You don’t have to wear what everyone else is wearing. You don’t have to drive because your former school mates are driving. Proverbs 21:17 warns that “INDULGING in LUXURIES, wine, and rich food will never make you wealthy”


Coins in glass jar for money saving financial concept

This is not about how much you are earning. This is for everyone regardless of how much you earn. If you earn 1,000 per day, keep aside something, even if its 10 shillings in savings. The more you earn the more you should save. You will be surprised how substantial the amount you save will be at the end of the year regardless of how little it looked the day you saved it, especially when invested wisely. In my opinion, a person who earns 1,000 per day but have managed to save 3000 by the end of the year is wealthier than someone earning 100,000 but owes 50,000 in debt. Proverbs 30:25 teaches us to learn from the ant. “they are weak, but they store up their food in the summer” You may also be weak and not earning a lot, but you can store away something for a bad day.


Today we are adding another rule in family success. A family that plans their finances together lives together. There should never be those funny secrets between husband and wife on their finances. Agree on a common saving plan and actualize it together. People bound together by love should be mature and responsible enough to agree on how to tackle various expenses in the family as one based on their incomes. Obvious expenses like school fees, maternity fees, and many other predictable expenses should be planned for early enough and a plan of raising them agreed upon. Be assured that this is much easier if the two of you works together as one. Ecclesiastes 4:9 says it all “Two are better off than one, because together they can work more effectively.”


This is especially critical for Medical Insurance. Many families’ savings are being wiped in a day by medical expenses. It could be themselves, their children or even their parents. Because we can never predict when this happens, it will only be prudent to invest in some form of buffer. This again can be of what you can afford and there are options in the market, including NHIF. Further, get yourself covered for all the things you can afford.


Have you ever realized how expensive sinning is? There is so much money you can save by basically avoiding sin. E.g. Illicit relationships (so called mipangos) are draining families of their finances and denying other deserving things like education their fair share of resources. We have people who are drinking all their money leaving their families struggling. People have contacted diseases that are extremely expensive to treat through evil deeds. Good people, keep off sin. You will save a lot of money. We read in Romans 6:23 that ‘For the wages of sin is death, but the free gift of God is eternal life in Christ Jesus our Lord.’ Many people have committed suicide or contacted very bad health conditions, including high blood pressure, due to poor financial practices, some of which will only take obeying the law of the Lord and we will be safe.

A fool and his money are soon parted’. Now you know what to do to get out of that group being refereed to as ‘FOOL’.

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Well said Father CK

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