Budgeting is one of those things we all know we should do, but many of us still struggle to get it right. With rising costs of living and unpredictable incomes, proper budgeting is not just smart—it’s essential. Yet, many Kenyans make the same common mistakes that end up sabotaging their financial plans.

Here are some budgeting habits we need to start doing better:

1. Guessing Expenses Instead of Writing Them Down

Too many of us rely on memory or rough estimates when it comes to tracking our spending. If you’re not writing your expenses down (or using an app), you’re just guessing—and guesswork is a recipe for surprises at the end of the month.

2. Making a List Without Setting Clear Goals

A budget without goals is just a list. Whether it’s saving for rent, paying school fees, or building a small business, your budget should reflect your financial priorities—not just your expenses.

3. Failing to Review the Budget Regularly

Life changes. Prices go up. Income goes up or down. A budget isn’t something you do once and forget. You have to keep checking in to adjust when necessary.

4. Ignoring Loans or Hiding From Debt

It’s easy to leave loan repayments out of the picture when they feel overwhelming. But pretending your debt doesn’t exist only makes things worse. Be honest about what you owe and include it in your budget from the start.

5. Giving Up After a Bad Month

One off month doesn’t mean budgeting isn’t for you. Maybe you overspent, maybe an emergency came up—it’s okay. The key is to adjust and keep going. Budgeting is a habit, not a one-time thing.

6. Not Allowing Space for Enjoyment

Being too strict can lead to burnout. Budgeting doesn’t mean you shouldn’t enjoy life—just plan for the fun. Whether it’s eating out or treating yourself to something small, include it in the budget guilt-free.

7. Copying Someone Else’s Budget

What works for your friend or favorite influencer might not work for you. Your income, responsibilities, and goals are unique—so your budget should be too.

8. Overlooking Small Expenses

Snacks, airtime, data bundles, random M-Pesa charges—these might seem minor but they add up fast. Tracking these “invisible” costs can be a game changer.

9. Forgetting Irregular Costs

Some expenses don’t happen every month, like birthdays, car repairs, or school fees. Still, they’re real and predictable, so they should be part of your budget planning.