Adam And Eve

Having grown up in a environment where marriage is forever, for better for worse, I cannot help it but to advocate for reconciliation, most of the time. I know this may sound unbelievable to some of you who think they know me. I hold marriage sacred, after all it is the oldest institution ordained by God Himself.

Gen 2:18 And the LORD God said, “It is not good that man should be alone; I will make him a helper comparable to him.”

I don’t know how to tell people to walk away from a marriage, not without listening to both sides of the stories. No one is a saint, no one is perfect and we must therefore be more accommodative in marriage. You can’t treat marriage as casually as you treat dating, God put a lot of thought in getting Adam a helper, Adam had to give up his rib for Eve. It was definitely no small matter. I do have strong opinions on how men should treat women and vice versa but in marriage I do cut both parties some slack.

I am not a marriage counsellor neither am I trying to play one, I am simply sharing my thoughts. I probably should declare that am single, but not searching, am currently in a complicated relationship with myself. This is exactly why am usually hesitant to point a finger at the institution. It is purely by God’s grace that people sometimes seek my opinion in matters relationship and marriage.

More than a year ago a friend’s marriage came to an end. I could not believe when she told me that she was quitting her marriage, parting ways with a man she once could not live without. It threw a dark cloud in my fairy world of happily ever after. It was saddening, it broke my heart so so much especially after getting the details. For such a young girl she had dealt with so much in her marriage and this educated me on two things. Marriage is an eye opener and takes a lot of work from both spouses on a daily basis. I can not say or divulge details of her marriage because I haven’t asked for consent to share her story. Instead I’ll share from my childhood friends and hope to tie them all up and draw some lessons.

Leah is married to her first love, the new way, where we get babies and move in together and get on with life. In a span of three years she has had three children, between them and her job she’s let herself go and literally has had no time for a social life. Last year in December she heard or learnt that her husband, Pete, was cheating on her. Now my friend knows how to throw tantrums and feats, and on this day she poured her rage on Pete’s phone by smashing it on the wall. Believe me when they said hell has no fury like a woman scorned they were not kidding. I know Leah and honestly Pete was lucky it wasn’t his flat screen smart television. I heard about this incident but overlooked it as a small matter. In February this year Leah’s mum called me telling me I needed to make time and visit her. When an elder makes a request like this you treat it as an order. It shows that they trust you to do their bidding and are humble to bring themselves to your level.

The couple is now well into making it work because of the following things that I shared with them.

Why? It is very important to go back to why you got together. Why did you pick that one person when you could have so many others? Over a cup of coffee I asked Pete why he had picked Leah. And does he still have the same feelings for her? He prophesied his love for his wife and with this I knew we could overcome this current situation.

The come-we-stay syndrome is a disease ailing the marriage institution. Those who’ve had church weddings, you were taken through several counselling sessions to prepare into your new role as wife or husband. And with that you have mentors or best couples who walk with you in your marriage journey. Apart from just walking the aisle with you on your wedding day, these are your encyclopedia and first aiders. Unfortunately a lot of young are approaching marriage very casually deceiving themselves that they can solve their problems by themselves.

This brings me to another issue, ask and listen. I booked an appointment with Pete so we could talk about their separation, and he created the time. Before we embarked on the matter I apologized for poking my nose into their business and gave him the chance to walk away. I must say I was impressed. Pete despite being older than myself wasn’t going to despise me on any grounds many older married folks do. Asking for help is never a sign of weakness.
Another element that usually accompanies come-we-stays are children. The truth is that most of relationships are based on unplanned parenthood. Once we find ourselves in parenting we move in together and start a family. We forget about our individuality and focus on raising the children leading to the partners drifting apart. I shared with Pete the importance of taking time away from the children to reignite the fire between her and Leah. I also reminded Leah that while it was true motherhood had it’s impact on her physique she didn’t have to let herself go completely.

Accept and own your shortcomings to make it easy to resolve them if possible. Pete was very open with him. He was the problem, it was true he had been caught but he wanted to make things right. As a man it is your duty to protect your wife from finding out that you are cheating on her, this shows respect. Don’t go leaving trails everywhere of your indecent behavior for her to clean up unless you just don’t care about your relationship in which case you should just end the relationship.

The most important advice that I gave to Leah was to go back on her knees and pray. It doesn’t matter how many times other people intervene in your marriage God has all the answers. Talk to God, seek to understand His will and let Him into your marriage. Pray for your husband and pray as a couple. Recently I learnt that Pete and Leah have found a church they can both be members of and I was elated to say the least.

The grace of God is always sufficient and in Him there’s peace. The Bible has all the answers about marriage, from submission to love, respect and obedience.

For the singles stop eyeing someone else’s spouse. It is not right, it is sinsful. Don’t let the devil use you to bring down that home.

Mat 19:6 “So then, they are no longer two but one flesh. Therefore what God has joined together, let not man separate.”


The Truth

It is said that the truth will set you free, but does this apply at all times and circumstances? Is it always right to say the truth no matter what? Sometimes I feel the truth is overrated even though am one person who abhors people who aren’t truthful.

But have you ever told someone something and regretted?Despite it being the truth?

Well I have done this so many times and I always end up hurting myself and others. Wishing I could shut my mouth and walk away for the moment to pass. Unfortunately once you’ve blurted out what you had to say you can’t take back your words, and you have to live with it. This is why I don’t think it’s always appropriate to tell the truth, this is purely my opinion. Before you open your lips you need to take into account the audience to whom you are directing the information to.

For instance, a lady you work with or you like walks in with a new hairstyle. The proper thing to do is to acknowledge that she has a new look whether you think it’s whack or hot. There’s a friend of mine, a dude of course, he never comments on my look or any other female colleague until the end of the day, and even then he’ll only support what everyone else has said. I asked him why. Apparently sometime back he happened to have teased a girl by asking what she had worn on her head. He thought it was a joke but that’s how they became enemies. Also there’s no way I would tell my boss that, that thing she keeps wearing is soo shady instead I allow her to throw me shade, because she’s the Boss. Got it???

It is acceptable to shield loved ones from the truth sometimes. OK so maybe most of the time. It is upto you to know how much info you are going to share. Are they emotionally able to handle the truth? The most sensitive of truths are those related to couples and parents. Do not expect your truth to be received with open arms, if anything you may end up causing more harm to an already bad situation.

I have friends I can tell things to about their better halves and I won’t have to worry about. But most of the time you’ll be branded bitter, envious, devil’s advocate , the list is endless. The easy way out is always to look the other way and let them believe in their form of reality. Maybe, when the time is right and they have found out things by themselves you can come clean but not always. And in my defense, I will say this, we shall overcome. We have come too far to let things spill because of a silly step out, after all man is to err.

Methinks for a truth to set you free you must first feel and know you are not free. If you are in denial the truth will do you no good at all until you accept that what you know could be lies. Furthermore if am comfortable in my world why would I want to know the truth? Especially if I know the truth will not make any difference in my situation.

Parents are very trusting of the children, and my daughter is fond of telling her aunties that there’s nothing I’ll do to her even if they tell on her. Now, while this is not true because my daughter is just playing with their minds, most of the time I tend to take my daughter’s side for the simple reason that she’s mine. As parents we try so hard to gain our children’s trust that we are afraid to probe their truths. In so doing we start building an unhealthy fortress around us and by the time the truth hits home the ship is long gone.

Still there are truths that don’t add value. Like telling me that am skinny, or thin or something like that. I already know that am skinny, am already struggling with it, in fact me and skinny are in a love hate relationship. One time am a Skinny Bitch(SB) and another moment am a victim of SBS(Skinny bitch syndrome). Am sure it’s the same with my sisters on the extreme end of thickness, instead just flatter us. I like this friend of mine who liked to call me model figure, that would light my face up as a young girl.

I believe in half truths and truths that will build a person, a relationship or a business. If it’s purpose is to bring someone down or depress then I’d rather hold my peace. Another thing you don’t just blurt out the truth, you need to learn the art of framing. Choose your words carefully, pick the right time and place.

Someone tell Sandbaby.

I feel like crying or locking myself in, in a soundproof room right about now. Actually, I should have done that yesterday but just like today I cannot do that. Am not depressed or stressed, am just a tired working mother.

I don’t know what has happened at the office but there is no single day that we leave early. It makes no sense really that I always leave the office at say 6.00 or thereabouts to go home which is about an hour away. Don’t get me wrong, I am not complaining about that, it’s an observation. I know some of you probably stay at work till late in the night, because you have work to do, which makes a lot of sense. Now that’s the difference between you and me, I spend an extra hour or hours in the office doing almost nothing really. This is an issue am struggling to sort out with both my peers and my superiors.

So back to why I feel like shouting . The other night I didn’t sleep well, I was unwell. In fact my not so close friend insomnia passed by and I had to pick a book and read. Had a coughing bout and a blocked nose with no medication, an accidental this was. I finally dozed off at about 4.00 in the morning. No sooner had I closed my eyes did Sandbaby wake up to go to poop. Those of you who have a child or children know that this may well be followed by fetching drinking water or silly hunger pangs. Then we went to sleep. I swear I hadn’t even closed my eyes (that’s my story) when I heard my sister wake me up. I felt so cheated, like how? Kwani how many hours does a night have? I dragged myself and my daughter out of bed. Rushed through my routine like Lazy Mary from the nursery rhyme ,dragged from bed. I went to work grudgingly and I was actually worrying that I might doze off on duty.

Today being a Saturday, I had hoped to indulge myself and sneak an extra hour of sleep as compensation for last night and indeed I was on course. The weather at the coast is so conducive, very cold by our standards, at about 23-25°c. I was all cuddled in my bedding with my alarm on snooze mode.  Until she woke me up. Yes, you guessed right. Sandbaby woke me up so she could go to the toilet. Then she brought her homework to bed so we could go through it. All this time am thinking, “I want to sleep. I need to sleep. Why can’t you sleep like other children?”  

I wished somebody could tell this little girl that it was only Saturday and her homework was due Monday. Which means she can show it to mummy either Saturday night or any other time on Sunday but not this morning.  I wished she could sleep in a bit late because days are coming when she will need to wake up at 4.00am in the morning. Of course it is adorable and even admirable that she wakes up thinking of her unfinished homework, but at 5.00am on Saturday? Lord have mercy on me and do send someone to talk to Sandbaby.

Study tips

How do you get  ahead? For you to pursue your chosen profession or career you must first pass the national examinations so as to secure a place in the university or college. While passing is relative, the entry points or grades are usually preset by the institutions of higher learning depending on the level, whether it’s a certificate, diploma, undergraduate and so on.  To achieve this pass mark there’s need for you to come up with a study regimen. The following are some study tips that you may pick from:-

  1. Place – You need to study in a conducive environment in terms of posture and noise levels. While some people can comfortably study on a couch others can only concentrate on a reading table. Personally, I concentrate more with background sounds but I know most people prefer a quiet place for studies, and this is most advised.
  2. Time- Everyone has a time of the day when their brain grasps or absorbs knowledge. For most people it means waking up at 3.00am in the morning but some of us we prefer staying up late. You need to identify your ideal study time and optimise on it.
  3. Schedule- Come up with a study time table making sure to slot all subjects in. Give prime time to subjects that need more concentration, work and attention. For example, I like to slot in mathematical subjects whenever am studying theoretical subjects like geography and history. 
  4. Study Every day- The old saying that practice makes perfect has time and again been proved right. Excellence is not an event it’s a process, therefore you need to make sure you study every single day even on Sunday. And no it doesn’t mean there’s no play orno going to worship, spare an hour or two.
  5. Design a study style- This is a very important step to do. It is advisable to make short notes when revising so that you can use them as quick reference to jog your memory without having to reread everything. You can even  come up with acronyms and abbreviations of your own to save on time. Remember that you are making notes and not rewriting or copying out the notes.
  6. Ask for help-  If and whenever stuck you should ask for assistance. In fact you should belong to a study group to take advantage of group member’s strengths and knowledge. Be ready to share what you know with the group because as you do so you cement your knowledge.
  7. Take care of yourself- Studying doesn’t have to be a boring affair. Take commercial breaks, grab a snack or space it in with an activity of choice.

    Get creative and keep your eyes on the goal. Do not by any means be limited my the points outlined above but go beyond and discover your own unique style. 

    Akinyi, The Banker.

    Busy Working? Or busy being busy?

    Have you ever measured your busy-iness? Like if someone wanted to pay you, can you quantify your busy-iness? There’s this lady who used to be my boss, okay she still is my boss but at a much higher level, she would ask us to assess whether what we did was an activity or productivity. In fact when she first came to our branch on her promotion she made everyone account for their time from 8.00am to 5.00pm when they left the office. I think it was called an events log.Then, it seemed an uphill and an unnecessary task.

    In hindsight I realise how goal oriented and focused she has always been on efficiency and productivity levels. She was able to reassign resources where they were needed more without having joy  riders living off other peoples’ hard work.

    Most of us have perfected the art of being busy. Yes an art. You see you can either be busy or seem busy, yet at both instances we would say you are busy. I was never one to look busy, okay so maybe I was subconsciously, but I had to learn the art of being busy much later as an adult. Two years into my new  job, we got a new lady boss who was our supervisor. To put it mildly, this lady was big on delegation, to the extent that you ended up doing her work as she went to take the afternoon nap. I don’t mind working in fact I thrive on working under pressure but to be mis-used isn’t my cup of tea. Actually I don’t mind being used and I probably use people as well, but there’s something called being grateful. Gosh! This woman was so ungrateful, yaani she was the reason behind the coining of the word ingrate. She dumps a job on you, doesn’t bother to train and then comes to only tell you how clumsy your work is. Enhe! After a series of these episodes I gave up. Me and kissing this ass weren’t made for each other, and here my journey into mediocrity started.

    I learnt how to be busy such that at any one time there was no room for dumping extra work. At exactly 10.00am I would get all the files out and place them on my desk, then get my registers and lots of papers to go with the files. If that wasn’t enough I had to hone me some acting skills,  the art of looking busy. If you came to the office those days you would think I was being overworked while in real sense I was bored stiff. Sullen, forlorn, morose and such were the words that would have best described the look I wore most of the time. This ensured I was unapproachable as a dumping site. 

    Now, they say set a thief to catch a thief. Some times last year I got a chance to be in charge of a few of my colleagues, there was one young man who was notorious for looking busy. Unfortunately for him he had not mastered the art because at any one time he had pending and shoddily done jobs. Even in your pursuit to dissuade dumpers you should not be derailed so as to abandon your core job. Let your work affirm your busyness and not the other way round.

    Looking busy can be exhausting and in reality a waste of precious time unless you are trying to prove a point as I was. There are people who will look busy just to avoid doing a job that is shared. Take for example where I work. I finish my work pretty early and end up doing some close of business summaries because some colleagues decide to play busy. What amuses me is that in their pursuit to look busy they actually get in trouble and I come out tops. I have learnt to filter the whining and the negative energy so I can forge ahead. You see playing busy sucks energy out of you, and the gloomy look always catches up with you. This will lead to you being careless and depressed by your work. 

    “We are what we repeatedly do”~~~Aristotle.

    Chose to rise above mediocrity and unproductive busyness, let your output justify your input. If necessary change departments and this is exactly what I did. I chose not to fight or insubordinate my boss, not to build on the resentment but instead reduce our interactions to the bare minimum.

    Sandbaby Chronicles 2017

    This is a collection of things my daughter tells me that I find ridiculous, funny, intelligent or just interesting. I do hope to capture the moments though I can not capture her expressions or emotions. Enjoy your reading .

    Her: Mom,  am scared of the teachers in our school.

    Me: Why? 

    Her: When they stare at me I get scared. 

    Me: Why do they stare at you? 

    Her: Because am cute. They like my chubby cheeks.

    Me: (Speechless)

    Her: In school I have polluted. 


    Her: My stomach is paining I pollute,  is paining I pollute,  is paining I pollute. Why? 

    Me: I don’t know 

    Her: If some people pollute they feel weak? (shake my head) strong? (nod my head) 

    We need to change the subject!!!! 

    Me : So why do you like doing things that upset me? 

    Her:Because….somebody in my mind is tell me, “make your mummy beat you” all the time. Even when am sleeping she tells me that.

    Me: 🙆 Eti? 

    Her: Yes. An invisible person. Mum help me to stop her in my head. 

    Her: Today is P.E


     Her: I don’t like P.E but .(Don’t mind the grammar,that’s how she talks)

    Me:Why don’t you like P.E?You like playing.

    Her: Yes we play but P.E I don’t like. I fall, I fall. Many times I fall.

    Her: Do you know Joppa?

    Me: Yes. The one in the Bible.

    Her: Do you also know that Tabitha is Dorcas?

    Me:Yes I do.

    Her: But Joppa is not here it’s in the Bible you know.

    Me: silent, deep thoughts on what’s coming next.

    Her: You need to read the Bible so you can tell me the stories. New Stories not old stories.

    Her:Do you know how to bake cake?


    Her: Mom, you need to learn how to cook snacks. Even nani’s mum knows. Learn how to make samosas then, it’s easy.

    Me: (tongue in cheek) Okay.

    Her: Mom, you you need to exercise.

    Me: Why? (Am already skinny duh!)

    Her: So you can be strong like boys.

    Me: But am already strong, I carry you to bed everyday.

    Her: Not strong like  that. Strong like boys so you can protect me.

    These  little beings can be very trying and getting the right response may prove to be tricky.  It gets even more difficult if you are raising your child in a liberal way, where you hold conversations on everything. Oh how I wish I could go old school but hey if I did that they I wouldn’t have this collection.

    Books, Dreams and Teachers.

    My name is Akinyi am a banker with the biggest bank in Kenya by asset and branch network. Growing up I didn’t even know what banks were and the only time I heard about accounts was during our Business Education class.I guess I just told you my age as well with that info . I’ll have you know that the first time I held a cheque was when I was joining the University.

    Before we talk matters higher learning I want to tell you about how we grew back then. In that time life was pretty simple, boys could dream of becoming anything they wanted but girls had their options narrowed down, you either became a secretary, a nurse, a tailor or a teacher. It was however hoped that you’ll marry into a good family with a husband to cater for all your needs. Career ambitions were therefore not of concern to the parents nor a question in a girl’s mind.

    I have always loved to read, not the intellectual kind of reading, reading storybooks and novels. It didn’t matter whether it was just my sister’s English textbook or a borrowed storybook from a classmate, all that I cared about is I had something to read. And it is here I developed an inkling of what it was for a girl or a woman to have a job, even though it meant changing my mind with every book. At some point I really wanted to be an air hostess, what with all the travelling and sight seeing associated with it. But alas, I would change my mind. In my upper primary and early years in high school I thought I could become a sleuth like the Hardy Boys or Nancy Drew, catching the bad guys. But this too didn’t last that long. 

    By the time I was in form three I had narrowed down my ambition to either being a lawyer or a psychiatrist. The former was because I thought I could help argue out cases of the innocent who suffered for lack of representation and knowledge of the law. I also thought psychiatry was pretty cool, getting to know people’s thoughts and using hypnosis intrigued me. 

    Several things would discourage me in my ambitious career goals. The first one was my teacher who told me that it was bad enough that I was bright, learning law would keep boys away from me and end up alone, how disturbing. Apparently men don’t like intelligent women who can challenge them, or so it was at the time. The other factor was my role model. Damaris had been the best pupil in my primary school and had gone through the same high school I was in. In my opinion Damaris was most intelligent and worked hard to keep her grades high.What did Damaris after high school? She joined the local polytechnic to pursue pharmacy. It was a big deal because we all know pharmacy isn’t for the faint hearted, but this to me meant that the best I could do is work hard as Damaris to join the polytechnic. Sigh. When sciences are not your strongholds you know things are thick, especially since they are the obvious combination. My other problem was finances, I kept asking myself who was going to cater for the college fees if at all my parents could not afford my high school fees.

    In our fourth year our headmistress, now a Doctor having pursued higher learning, called some of the students into her office. You can not begin to imagine the kind of scary thoughts that were going through my mind. She was not the kind to ask you about the weather or upcoming music festival, which we were good in. No, it was always serious business.

    So she went round everyone asking what marks you got to be admitted to her high school and what were you hoping to achieve in the national exams. My goal according to her was nonsensical and she challenged us to higher grades saying she had very high expectations of us. She believed we had it in us to break the school performance record. She organized for mentoring talks for us, from other teachers and mentors in other fields. She told us not to think of our unpaid fees, but focus on getting the prize because we might be lucky to get  scholarships or sponsorship if we got admission to the university. Those of us who could not afford the application fees for the university but were deemed potential material had the fee paid for by the school.

    The following year when the results came out I was among the best students in the region with my name in the newspaper. I was in awe, I couldn’t believe I was a step closer to achieving my career ambitions. It was the last minute challenge that did it.

    Last year I inherited responsibility of a young man named Amin who was a student in one of the national secondary schools. Amin is a bright student but from a needy background and this is why the bank had offered him and many others across the nation scholarships. For the last one year he had posting dismal performances and it was heartbreaking for me. Knowing that his whole family was looking up to him to move them to the next level I took up the challenge of mentoring him. I remember telling Amin that this was the final lap of a Marathon and he had to finish strong like our marathoners. We strategised on amalgamating his strengths while building on his opportunities in areas he could easily improve on.

    To cut the long story short, Amin came to the branch to announce a strong Matiang’i B+, this was great news considering how poorly schools had performed. A Matiang’i C+  is no mean feat good people and all this done through determination and keeping your eyes on the goal.

    Who do they say I am?

    The other day I went to  condole with my friend who had lost her brother, may his soul find eternal peace . Now as funerals go  you are bound to meet people you know but have not seen in years. So this lady walks in and people greet her, when she turns I recognise her and I greet her as well. Then I jokingly ask her why she’s dragging herself like an old woman

    “Do you know her?” A man asks. I actually found this guy here and I had noticed how he and his friends had already done a double take of me. 

    ” Yes. I know Vera. We schooled together.” I tell him.

    He’s now smiling disbelief over his face. I ask Vera to confirm what am saying and she goes ahead and clarifies that I was a year ahead. The guy moves closer so he can ascertain that am really as old as Vera and if it’s true I grew in Mombasa. In her defense Vera did state she’s expectant hence the dragging while for myself I blame the skinny bitch syndrome (SBS). SBS has it’s advantages good people because this guy has now gained mileage and every man coming in has to shout his name to acknowledge his new acquitance.
    This reminds me of a young girl I met as I started my journey into banking. As was the norm new staff were introduced by the Manager Operations in a morning brief. She was dressed in an exquisite skirt suit and with an attitude to boot. She spoke well and exuded lots of confidence, but alas she had the SBS and thus was marked. My friend Jazz and I presumed her to be from some posh family and definitely a city girl(Nairobian). Until she approached us for some business idea and we ended up being housies for two years. In the two years I realised that we had so much in common and that she had grown in Mombasa like myself.

    Am in the office and a colleague calls me to salimia bibi. Bibi is a Swahili word that may also be used to refer to grandmother.  Apparently Nyanya Elina had a stroke, I don’t know this info didn’t get to me, and has been using clutches to walk. She’s so happy to see me and  goes into the full swing African style greetings. 

    “Umpendaye hajambo?” She asks about my person. And I tell her he’s fine to end that line of conversation.

    “Ni wa wapi?” She continues to my disappointment. I tell her that my person is from my tribe, and now her curiosity has been piqued. She wants to know my tribe and is surprised to learn am a luo. All these years that I have been serving her it’s been her belief that am of coastal descent.

    As I reflect on all this I realise it’s all about attitude and presentation. You make a conscious or subconscious decision on how you want people to perceive you. In marketing it’s called placement and branding. What place are you occupying in people’s mind? What do they think of you? Have you taken deliberate measures to enforce those thoughts. Am in constant pursuit of redefining my brand and matching it to my audience. In presenting myself as a outsider in certain circumstances am able to learn people and their expectations. At the same time I know how to adjust to gain trust from customers like Nyanya Elina. It’s said that a person will have created a perception of you in the first seven seconds when they meet you and t What do they say about you?

    Tips on Bank Accounts

    Saving account, current acaccount transactional account, bundled account, privilege account. All these words being thrown at you at the bank when all you want is to open an account can be to say the least daunting unless of course you are a banker or have studied business related courses. 

    Basically all these accounts can be divided into, savings and current accounts. Both types of accounts may serve the same purpose with the only difference being that one, the current account, will usually have a cheque book. Another distinction is in the way the accounts are run, for a savings account any payments to a third party will be done through the owner of the account by either going to the bank or accessing alternative channels at his cost. On the other hand a current account holder will issue a cheque book to a supplier, creditor or vendor and the payment will be done at no cost when the cheque clears.

    So let’s talk savings accounts first. Saving accounts may be clustered into two major categories, transactional and bundled. Transactional accounts include salary accounts, children accounts, student accounts, group accounts etc. Why are they called transactional? The account holder is at liberty to withdraw and make deposits as many times as he wishes. In fact the bank will ensure they issue you with a debit card and also register you for mobile banking. The billing on transactional accounts are based on transactions, the more you transact the more the charges. Bundled saving accounts on the hand have limitations on the number of withdrawals you can make in a year and at the same will deny you operating tools. This account in most banks, if not all, attracts no ledger fees and no withdrawal charges. Most banks peg the withdrawals at once per quarter while about two or three allow for semi annual withdrawals. Just to get a glimpse of what am talking about I’ll give examples,Haba na Haba- Co-operative Bank, Simba-KCB Bank and Akiba-National Bank. There is of course a new tackle that has been used by one major bank to lock the account for one’s period of choice to reach a certain target then unlock. Bundled saving accounts have an advantage of earning an interest, based on monthly balances and compounded, and the interest credited or paid into the account at the end of the calendar year. At the moment, as a result of the interest capping  act upon the amendment of The Banking Act in 2016, banks peg the interest on the CBK rate and it currently stands at 7%(as at 24th July 2017). The bundled saving accounts are tagged to attract serious savers who can self instill the discipline of not withdrawing cash every now and again. If you flout this limitation then two things are bound to happen, you forfeit the interest for that period and or may have your account converted to a transactional account automatically.

    Moving on swiftly to the big leagues, current accounts. These too are categorized into transactional and bundled current accounts. Like the transactional saving account, the transactional current accounts attracts a ledger fee and billing per single transaction. Current accounts are run using a cheque book, which the banks will charge you for. There is a punitive charge for not using your cheque leaf to transact, counter cheque charges. The cheque book allows you to avoid unnecessary withdrawal charges by issuing cheques to your creditors. In fact you can even issue a post dated cheque for payments to be made in the future. Bundled current accounts have a fixed bundle charge with different offers depending on your need.  You may get free withdrawals over the counter, free ATM withdrawals, all at a fee or even express services. For an account that is busy, bundled current accounts are ideal so as not to attract cash handling fees and to cut on the transactional costs. While current accounts are ideal for companies they can also be used by individuals. Not all current accounts may allow for access to debit cards and digital banking depending on the signing mandate of the account.

     It is paramount that you ask for these details so as to make comparisons to make a favorable choice.  Let’s meets on the next post as we simplify banking. 

    Akinyi, the Banker.