What to check before you use a borrowing app in Zambia
Questions to ask before you sign up, the warning signs of a bad lender, and where to complain if something goes wrong.
Blog
Practical guides on money in Zambia.
Budgeting on a Zambian salary, getting through a semester on an allowance, mobile money safety, and how to use credit without it getting out of hand.
Managing money as a government-sponsored student in Zambia
How to plan around allowance payments, cover the gaps when they're late, and avoid ending the semester in debt.
Salary advance or credit facility? How to choose when payday is too far away
How a salary advance from your employer compares with a reusable credit facility on cost, speed, privacy and what you can use it for.
Mobile money in Zambia: MTN MoMo, Airtel Money and Zamtel compared
How mobile money wallets work in Zambia, what to check on fees and limits, and how to keep your wallet and PIN safe.
How the Dottra credit facility works, from your first draw to your first statement
What happens when you draw, how the processing fee and monthly charge are worked out, and what a monthly statement shows.
How to get out of debt when you owe more than one person
List everything you owe, protect the essentials, choose an order to pay things off, and stop new borrowing from undoing the progress.
A monthly budget you can actually keep on a Zambian salary
Start from your net pay, take out what can't move, and give everything else a job before payday instead of after.
Planning for the costs that come once a year in Zambia
School terms, January uniforms, road tax, December. How to turn the big yearly costs into a small monthly amount so they stop arriving as emergencies.
How to build an emergency fund when your salary barely covers the month
Where to keep it, how much to aim for first, and how to start when there's nothing left over at the end of the month.
How to use a credit facility without falling behind
A credit limit is not money you have. Four habits that keep a reusable facility useful instead of becoming a balance you carry every month.