Locked by Loans: Breaking Free from M-PESA & Digital Debt
KES 700
Categories: Personal Finance, Accounting, Investment
Is your phone buzzing with loan reminders before you've even had your morning tea? If you've ever borrowed from one app to repay another, skipped a meal to clear a Fuliza balance, or felt that quiet dread every time your phone lights up — this book is for you. Locked by Loans is a straight-talking, judgment-free guide for young Kenyans and East Africans trapped in the mobile loan cycle — Fuliza, M-Shwari, KCB M-PESA, Tala, Branch, Zenka, Timiza, Hustler Fund, and more. No shame. No lectures. Just a clear, practical path from where you are to where you want to be. Inside, you'll discover: Why digital loans feel impossible to escape — and the psychology behind why we keep borrowing A breakdown of every major lender: how each one works, and how to use it responsibly The hidden costs of debt no one talks about — your credit score, your relationships, your peace of mind 5 real-life stories of a student, a bodaboda rider, a young professional, a business owner, and a single parent — and exactly how each one broke free The 8-Step Escape Plan — a proven, realistic sequence to stop borrowing and start rebuilding How to move from surviving to saving: SACCOs, money market funds, side hustles, and building real wealth A full 30-Day Debt Freedom Challenge with a daily action for every single day A complete workbook: budget template, debt repayment worksheet, savings tracker, emergency fund planner, expense tracker, wealth-building checklist, goals worksheet, and more This is a book about a system — one small decision at a time. "Your income can change your lifestyle, but your financial habits will change your future. Freedom begins the day you decide to control your money instead of letting money control you." What You Get: 43-page professionally designed PDF (instant download) · 12 chapters + Introduction + Bonus Workbook · Key Lessons, Reflection Questions, Action Steps & a Challenge in every chapter · Printable worksheets