Know what is due.
Plan when it falls.

Bring household bill dates together with the timing of your income. Start with your own records.

Four practical steps.

Write down the month or weeks you are planning. Include occasional costs such as school supplies.

For each bill, record its purpose, amount and confirmed due date. Mark anything still to be confirmed.

Separate money available now from income expected later. Expected harvest proceeds are not money already received.

After paying, record the date and payment evidence. Update the calendar when plans change, before the next due date.

I chose the planning period.I listed bills and due dates.I separated available and expected money.I set a date to review the calendar.

General preparation guidance. The SACCO confirms the terms of the service you need.