Here’s a simple strategy to help you repay your loan of KES 25,000 while earning KES 42,000 per month:

1. Track Your Monthly Expenses

Start by writing down your essential monthly expenses like:

• Rent
• Food
• Transport
• Utilities
• Airtime/Data

Let’s assume your basic expenses total around KES 25,000.

2. Create a Budget

From your income (KES 42,000):

• Expenses: KES 25,000
• Remaining: KES 17,000

Use this balance strategically.

3. Set a Repayment Plan

Depending on your urgency and flexibility, here are two repayment options:

Option A: Aggressive Repayment (2 months)

• Pay KES 12,500/month for 2 months.
• Remaining KES 4,500/month is your buffer/savings.

Option B: Moderate Repayment (3 months)

• Pay KES 8,500/month for 3 months.
• Remaining KES 8,500/month gives more flexibility or savings.

4. Cut Back & Avoid New Debts

Temporarily cut non-essentials (eating out, subscriptions, etc.) and avoid taking new loans while repaying this one.

5. Set Up Auto Deductions

Automate loan payments to avoid spending the money unintentionally.