I believe school fees is not an emergency because when the child is born, you know that after 3 or 4 years you will start paying school fees, then after another 10 yrs the child will go to form 1 and after another 4 years the kid will go to college, hence you should not wait untill the time your child is going to school and you start asking ” serikali ikusaidie” or rushing for an emergency loan or what is populary known as school fees loan. Loans should only be taken for investments and the investment must be capable of giving higher returns than the interest rate payable.The problem is we dont like planning, we always sit and hope that somehow we shall be sorted out. People, lets not sit there and hope, start saving now, haba na haba hujaza kibaba.

God himself is a planner, prov 3:21 says “my child do not loose sight of good planning (some version call it common sense and discernment) hang on to it for they will refresh your soul, they are like jewel on your necklace, they keep you safe on your way, you can go to bed without fear, you will lie down and sleep soundly and you will not be afraid of sudden disaster…….”

A well planned education policy will help you to consistently save as you enjoy insurance to secure the education funds and you will not be afraid of sudden disaster.

I challenge you to call me and i will help you plan for the future of your children