Mwangi

Mŭngarī wa mbarī ya Njue.riika nī Mwangi..gŭciaro no Mwangi.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

Here’s a small exercise you can do this morning.

Remember how you planned for your last big purchase or investment? It seems like yesterday, right?

Now use that analogy to plan for the next 2, 5, 10, 20 years of your life. Sit down, draw up your plans, break it down into smaller milestones. Start saving, your dreams are on the horizon.

You’d rather have a goal you achieve slowly than have that time pass without anything to show for it.

[Manchester United @ManUtd]

Congratulations, @DiegoForlan7 💙🤍

The very best of luck in your new role! 🤝

[Mwangi @mwas_eduh]

@KenyaPower_Care Hallo, no response ..no power at Naivasha lake view...2 hrs now

[Mwangi @mwas_eduh]

@KenyaPower_Care Lake view Naivasha..been an hour without power. Whats up?

[Mwangi @mwas_eduh]

@ShaniaWagema w¾t7d8' www w see www 7⁸

[Mwangi @mwas_eduh]

@sheikhmargub The Naivasha one looks different, could it be the phone or photographer ?

[Mwangi @mwas_eduh]

@naimh_nee @patric_githaiga I challenge you to produce a photo for a tea factory lorry

[Mwangi @mwas_eduh]

@everymovieplug Om mm ml. By Ann xx mm id

[Mwangi @mwas_eduh]

@everymovieplug See no

[Mwangi @mwas_eduh]

@jjmmli

[TurboDiesel @alexmwanzo]

Plot twist 90% of us will never buy a cement and its not coz we dont want but coz we cant afford to
Hio narrative ya kujenga needs critical analysis
Example at - 600- 1m plot of land as of this conversation your options are Thigio, Ndeiya Kimuka, Tuala ,Tinga et all
Now reslistically all this places are satelite towns to other towns ie for you to access Tuala you need to first to Rongai
For you to access Tinga you first need to get to Kiserian
Assuming you drive a journey to any of these places will easily swing out 1.5hrs(one way)
3 hrs daily this is a best case scenerio
Meaning you have to be out of the house by 6
If you take public transport ad an extra hr ie you have to be out of the house by 530 to bs at work by 8 - remember you work in upperhill)
Ive used those towns because they are accessible to upperhill ie unashuka mat apo kenya library and walk 5 mins to work
Thats just you
Add your wife
Haya your kids also need to go to school and you guys need to eat.
Assume you get a plot for 660k this takes a year worth of rent
Buuuut
You also need to build the actual house
Ive been following mjengo twitter and a decnt cheap 3 bedroom can easily swing out tuseme 3m -again going cheap really cheap on this
So you neeed aboout 4m and about 3 months kujenga ( best case scenerio)
Assume you take a loan for this
At the moment saccos would take interest rates are 16-25% depending on where you take it from
So that means youll be paying 113k per month for that loan

Now banks cant give you a loan if the monthly payment is beyond 30-40%* of your monthly income
So you need to early atleast 300k to be worth a loan of 4m
Kujenga huwa a good rosy thing no doubt but you need to look at the fine print of doing so.
But thats just me

[Mwangi @mwas_eduh]

@naimh_nee We pray for our safety

[Mwangi @mwas_eduh]

@HonAdenDuale @WilliamsRuto Update your bio

[Mwangi @mwas_eduh]

@AlinurMohamed_ @mwas_eduh

[Mwangi @mwas_eduh]

@naimh_nee @patric_githaiga @KenyaInvest_ Ama tutume forklift

[Mwangi @mwas_eduh]

@WehliyeMohamed @honkabogo You landed on a sales person desk, rather than a solution provider

[Mwangi @mwas_eduh]

@naimh_nee @MwacheezyC Bless a brother with this

[Mwangi @mwas_eduh]

@everymovieplug 9ttgjr
Lmkmpb0hjjjlljmltjkj9bn

[Mwangi @mwas_eduh]

@city_digest I

[Mwangi @mwas_eduh]

@ThaChampez Kwerrrrah ��