CLC Kenya

Many people run into multiple problems owing to their failure to manage their finances in a way that works for them. Invariably, the problems they cause themselves spill over to their performance and whether they are employees or business people, soon these problems begin to affect organizational performance. It is therefore in the interests of any organization that the people running it know and are able to manage their personal finances. This book goes beyond classroom knowledge to provide individuals with a practical model for financial independence. It seeks to demystify personal financial management by breaking it down to five simple steps in a model we term as SMAAT finance that any individual can apply with ease. This model helps individuals come up with practical ways of managing their personal finances in a manner that ensures they not only are able to live within their means, but also create surpluses within their current incomes for savings and investment. This model does not offer a ‘get-rich-quick’ miracle, but for sure promises a life of financial independence after careful application of the same.