New for 2026
The salary comes in. By week two it is gone. This kit shows you exactly where, and what to do about it.
Broke After Payday is the practical guide for Kenyan workers: understand every line of your payslip, plug the ten money leaks, dodge the scams that target squeezed people, and test one realistic side hustle in 30 days.
- 53 pages, written for one tired but intelligent reader. No guru talk.
- Built on the real 2026 PAYE, NSSF, SHIF and Housing Levy rates.
- 10 worksheets, HR scripts, family-boundary scripts and scam checklists.
- Free updated editions every time the rates change.
M-Pesa STK push checkout — no card needed
Free updated editions when rates change
Instant download + email delivery
What is inside
- 01 Your 10-Minute Salary Triage (start here)
- 02 Your Salary Is Not the Problem, Your Take-Home Pay Is
- 03 Read Your Payslip Before You Panic — with 2026 rates
- 04 Why You Are Broke by Week Two: the ten doors money leaves through
- 05 Payday Rules That Fit Real Life
- 06 Stop Choosing Side Hustles from TikTok: the five filters
- 07 Which Side Hustle Fits You? Matched to your time, capital and skills
- 08 Side Hustles Kenyans Can Start Small — services, food, online, skills
- 09 Your 30-Day Extra Income Plan
- 10 Money Scams in Kenya: spot them, avoid them, report them (DCI, Safaricom 333)
- 11 Make Your Phone Save For You: M-Shwari locks, staged emergency fund
- 12 The Toolkit: 10 worksheets + customer message templates
Pairs with the free PAYE calculator: the calculator shows you the salary, the kit shows you what to do next.
Questions, answered
Is this financial advice?
No. It is practical education and planning built around the 2026 statutory rates. For decisions about your specific situation, talk to a qualified professional.
What format is it?
A 53-page PDF, sized for phone and desktop reading, with clickable contents and links. Your copy is licensed to your email address.
What happens after I pay?
The download starts on this page the moment your M-Pesa payment confirms, and we also email you the link. The link works for 7 days; the PDF is yours forever.
Rates change. Will my copy go stale?
No. Buyers get every updated edition free. When PAYE, NSSF, SHIF or Housing Levy rates change, we ship a new edition and email you.
Can I get a refund?
If the kit is not what you expected, reply to your purchase email within 7 days and we will sort you out.
Less than one weekend out. Pays for itself the first time it stops a Fuliza cycle.