Managing money starts with knowing what you have, what you expect and what you need to pay.
Help & planning
Revenue is not profit.
Subtract supplies, transport and all other activity costs. Sales that have not been paid are not yet cash you can spend.
Set something aside before you spend.
Choose one goal, a date and an affordable contribution. If your income changes, plan using a lower-income period.
Your equipment needs a plan too.
Get a repair estimate, choose a deadline, then spread the amount across the remaining months. Revisit the plan when prices change.
CATCH & CASH
Your catch is not all cash.
Work out saleable catch, cash collected and unpaid sales.
Explore this pageREPAIR PLANNING
Keep your tools working.
Build a repair reserve before you need it.
Explore this pageOUR BURERA
Burera, our starting point.
Explore the places and livelihoods that connect us.
Explore this pagePUT LEARNING INTO PRACTICE
Choose your next step.
Your savings goal
A goal, a timeline and a monthly contribution.
Open toolYour monthly budget
Income, expenses and the balance that remains.
Open toolFrom catch to cash
Separate the catch from the cash collected.
Open toolYour repair reserve
Plan for equipment repairs before they are due.
Open toolYOUR EVERYDAY TOOLKIT
Turn an idea into a plan.
MUHABURA SACCO BURERA
Your planning toolkit
Choose a tool, enter your figures and download a plan you can use.
Tools for a considered plan
Your savings goal
A goal, a timeline and a monthly contribution.
Open toolYour monthly budget
Income, expenses and the balance that remains.
Open toolFrom catch to cash
Separate the catch from the cash collected.
Open toolYour repair reserve
Plan for equipment repairs before they are due.
Open toolGroups & savings circles
Prepare as a group, with clear responsibilities.
Open toolPrepare your question
Write, review and download your question.
Open toolYour figures. Your plan.
The tools work in this page. You can download a plan; no money moves and no application is sent to the SACCO.