THE FREEDOM COIN NETWORK

📈 Safaricom Share Price Soars from Ksh 15 to Ksh 25 – What It Means for You

📅 Published: June 14, 2025

🚨 From Quiet to Crazy: The Rally Everyone's Talking About

Just a few weeks ago, Safaricom shares were trading at around Ksh 15—quiet, overlooked, and even doubted by many.

Now, they’ve exploded past Ksh 25.

This isn’t just a number change. It’s a massive shift that’s made people sit up, pull out their calculators, and wonder:

“Did I miss out? What does this even mean for me?”

Let’s unpack it—no jargon, just facts that make sense.

👥 What It Means for Everyday Customers

Even if you’ve never touched the stock market, this news still affects you.

✅ 1. More Innovation, Faster

When a company’s share price rises, it gives them more power—confidence from investors, more room to grow, and higher access to funding. For Safaricom, that could mean:

Better network coverage and faster internet (hello, 5G!)

More secure and advanced M-PESA features

Smarter services like mobile loans, virtual doctors, or smart farming

Bottom line? If you use a Safaricom line, you’ll likely benefit from this growth in one way or another.

⚠️ 2. But Don’t Be Surprised If Some Prices Change

As with any growing business, some of this expansion may eventually lead to price reviews or premium service tiers. While that’s not confirmed, it’s something to watch out for.

💰 What It Means for Investors (or Aspiring Ones)

If you own Safaricom shares—or wish you did—this surge is a lesson in both opportunity and timing.

💸 1. Big Gains for Early Buyers

Those who bought at Ksh 15 are sitting on solid returns. A jump to Ksh 25 means over 60% profit—and that’s without counting dividends.

That’s not pocket change. That’s school fees. A side hustle fund. A small car deposit.

📊 2. Time for Strategy

If you’re already holding shares, this might be a good time to ask:

Should I hold, expecting more growth?

Should I sell some and enjoy the profits?

Or is this the moment to buy more?

There’s no one-size-fits-all answer—but thinking critically here is key.

🪙 3. Dividends Still Sweet

Even at these new prices, Safaricom remains one of the most reliable dividend-paying companies in Kenya. If you’re investing for long-term income, that’s good news.

🌍 What It Means for Kenya and the Markets

This isn’t just about Safaricom—it’s about what this says about our country, our economy, and our future.

🇰🇪 1. Kenya Is Back on Investors’ Radar

The Nairobi Securities Exchange has had a tough couple of years. This surge in Safaricom’s price is helping rebuild trust and excitement in local stocks.

It’s saying, “Kenya is still open for smart money.”

💻 2. A Win for Digital Africa

Safaricom isn’t just a telecom. It’s a tech powerhouse, especially with M-PESA and fintech. Its rise signals something bigger: Africa’s digital transformation is real—and valuable.

This gives hope and direction to other startups, investors, and developers across the continent.

🙋‍♂️ So... What Should You Do?

Whether you’re a mama mboga, a boda rider, a student, or a teacher—this moment is a reminder:

Money grows when it’s invested wisely

Being informed matters

Sometimes, being patient pays off

And if you missed out this time? Don’t beat yourself up. There will always be another opportunity—but only if you’re ready, watching, and learning.

📚 Want to Learn More About Smart Money Moves?

There’s no better time than now to start understanding how money works, how to invest safely, and how to build wealth—step by step.

You don’t need to be rich to start.
You just need to start.

💬 Have thoughts on Safaricom’s price jump? Planning to invest? Already celebrating? Share your experience in the comments—let’s learn together.

#Safaricom #StockMarketKenya #NSE #FinancialLiteracy #SmartInvesting #M_PESA #KenyaRising #DigitalAfrica

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

Why Your MMF Returns Are About to Shrink – And What to Do About It


📉 What Just Happened?

The Central Bank of Kenya (CBK) has just delivered what many MMF investors were dreading—another interest rate cut. The Central Bank Rate (CBR) has been lowered by 25 basis points, now sitting at 9.75%, down from 10.00%. It might sound like a small drop, but for yield-seeking investors, the impact is real and immediate.

This move marks the sixth consecutive rate cut, and while it's a strategic push to stimulate borrowing and economic growth, it could be bad news for your Money Market Fund (MMF) returns.

💸 Why MMF Investors Should Pay Attention

Money Market Funds rely on short-term government securities (like Treasury Bills) and commercial paper to generate returns. When lending rates drop:

T-bill yields shrink, making it harder for MMFs to offer attractive interest.

Monthly earnings from MMFs go down, sometimes subtly, but consistently.

Investors chasing high yields may get disappointed.

If you’ve been enjoying 10–11% annualized returns, brace yourself. The trend points to a gradual decline, possibly dipping below 9% in the coming months.

📊 What the Data Shows

Inflation is down to 3.8% (May 2025), giving CBK more room to ease policy.

Private sector credit is sluggish, so lower lending rates are meant to help.

But the flip side? MMF instruments now earn less interest, cutting your returns.

🧠 So, What Should You Do?

Before you panic or move your cash, consider these 4 steps:

1. Adjust Your Expectations

Returns may dip, but MMFs are still safer and more liquid than most alternatives. Understand the shift is economic, not a fund manager's fault.

2. Stay Diversified

Don’t put all your money in MMFs. Consider adding fixed deposits, infrastructure bonds, or unit trusts with longer horizons to your portfolio.

3. Review Fund Performance

Keep an eye on how your MMF manager is adapting. Are they extending duration? Are they transparent about expected yield changes?

4. Keep Liquidity in Mind

You may not earn double digits, but MMFs still offer daily access, compounding, and capital preservation—ideal for emergency or short-term parking.

📌 Final Thoughts

Yes, the CBK’s rate cut spells short-term pain for MMF investors, but it’s not the end of the road. Think of it as a signal to rebalance your strategy rather than abandon ship.

If your goal is stability, MMFs still serve that purpose. But if your aim is growth, consider combining MMFs with higher-yield instruments—smartly and cautiously.

💬 Want to Learn More?

Check out my book, Building Wealth: A Journey to Financial Freedom, where I share timeless financial strategies for uncertain seasons like this.

Let’s talk in the comm

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

💰 From Babylon to M-Pesa: How Two Books Teach Us to Build Wealth Across Centuries

“A part of all you earn is yours to keep.” – George S. Clason
“We’re no longer counting gold coins, we’re watching M-Pesa balances—but the rules haven’t changed.” – Joseck Wakwoma

🌍 The Ancient City That Knew Wealth: Welcome to Babylon

Thousands of years ago, in the heart of Mesopotamia, rose a city known not just for its grandeur but for its wisdom in wealth—Babylon. Merchants, moneylenders, traders, and farmers bustled through its gates, seeking one thing: prosperity.

In the 1920s, author George S. Clason revived this ancient world in the timeless classic The Richest Man in Babylon. Using simple parables set in the golden city, Clason answered questions still asked today:

How can I save more money?

How do I get out of debt?

How can I build wealth that lasts?

Through the story of Arkad, the richest man in Babylon, Clason laid down golden rules like: ✅ Pay yourself first
✅ Control your expenses
✅ Make your money work for you
✅ Seek wise financial advice
✅ Ensure a future income

These lessons, wrapped in stories, felt biblical in tone but financially revolutionary.

📲 From Gold Coins to Mobile Money: Enter the M-Pesa Generation

Fast forward to 2025.

Babylon’s coins and camels have been replaced by mobile phones and bank apps. In Kenya, we talk of:

M-Pesa for sending and receiving money

Fuliza for instant overdrafts

Bank transfers and digital wallets

Chamas, SACCOs, and mutual funds

But here’s the twist—the problems haven’t changed. People still live paycheck to paycheck. Many are trapped in debt. And everyone’s asking:

How do I become financially free?

📘 A Modern Guide with African Roots: Building Wealth: Journey to Financial Freedom

This is the very question that inspired Joseck Wakwoma to write Building Wealth: Journey to Financial Freedom.

Drawing from his own journey—and inspired by Clason’s work—Joseck brings financial wisdom into the modern Kenyan context. Instead of Babylon’s bazaars, he talks about SACCO meetings, digital lending apps, and the struggle of surviving Nairobi life.

Through relatable characters like Kamau and Mwangi, the book tackles:

The power of financial planning

Why saving consistently beats hustling endlessly

How to invest smartly (even with small amounts)

The importance of trust funds, insurance, and protecting your legacy

And yes—how to avoid the Fuliza trap and grow your money instead

🔁 What These Two Books Share—and What Sets Them Apart

The Richest Man in BabylonBuilding Wealth: Journey to Financial FreedomUses ancient parables in BabylonUses modern stories in KenyaTalks about saving goldTalks about M-Pesa, Fuliza, and bank transfersTeaches timeless financial rulesApplies them to today's realitiesFocuses on universal lessonsAdds African humor, culture, and relevance

Together, these books offer the perfect combination of wisdom and practicality. One gives you the foundational mindset. The other hands you tools for today’s digital economy.

🚀 Why You Should Read Both

If you want to learn the rules of money, start with The Richest Man in Babylon.
If you want to apply them in your life today, read Building Wealth.

Whether you're a student, a mama mboga, a tech bro, or a pastor (yes, we see you too!), these books will help you:

Break free from financial struggle

Avoid modern money traps

Plan for your future

And most importantly… build wealth, slowly but surely

📚 Get Your Copies

👉 Building Wealth: Journey to Financial Freedom by Joseck Wakwoma
📘 Available on Amazon: https://a.co/d/8ExhthT

👉 The Richest Man in Babylon by George S. Clason
🎧 Free Audiobook + Kindle: https://amzn.to/4kE2ykf

✍️ Final Thought

From Babylonian coins to digital wallets, the principles of money haven’t changed. Only the tools have.

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

🐆 THE CHEETAH RULE: Move With Intention, Not Impulse

In a world obsessed with hustle and nonstop motion, here’s a powerful truth most people miss:

The fastest animal on land — the cheetah — doesn’t chase everything.

Yes, it can hit 0 to 60 mph in just 3 seconds, but that explosive speed isn’t used recklessly.
The cheetah waits. It observes. It studies the field. And when the right target is in position...
It makes one perfect move — and ends the chase.

Now think about this:
Those three seconds of unmatched speed are built on hours of stillness, silence, and strategy.

And that’s where the real lesson lies.

🔑 The Hidden Power of Strategic Stillness

In life and business, there will be seasons where you're not moving fast.
You're not seen. You're not “busy.”
And to outsiders, it might look like you’re stuck.

But behind the scenes, you’re:

Learning

Planning

Sharpening your skills

Positioning yourself for something greater

That’s not inactivity — that’s intentional growth.

The cheetah isn’t lazy. It’s calculated.
And when its moment comes, it’s unstoppable.

🎯 One Strategic Move > 100 Rushed Ones

Success isn’t about chasing everything.
It’s about preparing so well that when your moment comes, you don’t miss.

Because preparation is silent, but execution is loud.

So don’t be discouraged by your quiet season.
Don’t compare your pace to someone else’s sprint.
Just keep learning. Keep training. Keep watching.

And when your chance comes — make it count.

✍️ Written by Joseck Wakwoma

Author of Building Wealth: A Journey to Financial Freedom
Helping you turn discipline into success, and silence into strategy.

👉 Drop a comment below: What’s your current season — preparation or execution?
Let’s grow together.

#CheetahMindset #StrategicPatience #BuildingWealth #JoseckWakwoma #EntrepreneurMindset #HustleSmart #WealthJourney #DailyMotivation #MoveWithPurpose

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

🐆 The Cheetah Rule: Strategic Patience > Constant Motion

The cheetah is the fastest land animal, hitting 0–60 mph in just 3 seconds.
But here’s the real lesson: it doesn’t chase everything.

It waits.
Observes.
Positions.
And when the moment is right — executes with precision.

What looks like "instant success" is often the result of hours (even days) of stillness, focus, and strategic preparation.

In business and in life, your quiet seasons aren’t wasted — they’re where true growth happens:

Sharpening your skills

Studying your field

Aligning with the right opportunity

🚫 Don’t let hustle culture fool you — more motion doesn’t mean more progress.
✅ One intentional move at the right time is more powerful than 100 rushed ones.

Be like the cheetah:

Don’t chase everything

Train in silence

Strike with purpose

Preparation is silent. Execution is loud.

Joseck Wakwoma is the author of Building Wealth: A Journey to Financial Freedom — a practical guide for disciplined, strategic, long-term success.

#Leadership #Discipline #Strategy #CheetahMindset #MoveWithPurpose #BuildingWealth #Author #EntrepreneurMindset #CareerGrowth #WealthBuilding #LinkedInWisdom #BusinessSuccess

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

🕰️ The Future Isn’t Coming — It’s Already Here with Us

There was a time when the word “future” evoked images of flying cars, robot assistants, or cities in the sky. We saw it in sci-fi movies, read it in books, and imagined it with wide eyes. But here’s the truth:
The future didn’t arrive with fireworks or announcements — it quietly slipped into our lives and made itself at home.

We now video call across continents like we’re next door. We ask phones for directions, write emails using AI, and invest money through apps while sipping coffee. In many ways, we’re living in a world that would’ve sounded like fantasy just two decades ago.

💡 This Is It — We’re In It

The mindset that says “one day I’ll start…” or “the future will fix things…” is becoming dangerous. The future isn’t waiting for us. It's moving — fast. And those who realize this are already building lives that look very different from the rest.

We are now part of a generation where:

Opportunities are digital.

Learning is borderless.

Money is mobile.

Jobs are flexible.

And creativity is currency.

So ask yourself: what are you doing with this reality?

🚀 No More Excuses, Only Action

Waiting for a "perfect" time is like waiting for a sunset at sunrise. There’s no magic switch that will suddenly tell you “Now is the moment.” You’ve got to decide that today is good enough. Because if you're reading this on a smartphone, scrolling through Wi-Fi, or managing your money online — congratulations, you're already in the future.

Whether it’s learning a skill, starting a side hustle, investing Ksh 500, or creating digital content — action beats waiting every time.

🌍 The World Has Shrunk — But The Dream Has Grown

You don’t need a passport to change your life. Sometimes, all you need is courage and a little Wi-Fi. You can learn from mentors on YouTube, trade stocks from your phone, sell your art internationally, or build an audience from a remote village.
The distance between “I wish” and “I did it” has never been shorter.

But it still takes guts.

🌱 Final Thought: Own the Moment

Look around. This is it. This is what we used to talk about.
The question is: are you just surviving in it — or thriving in it?

The future isn’t coming. It’s here. And it belongs to the bold, the curious, and the ones who are willing to start — even if they’re scared.
So, what will you do with today?

The writer is the author of Building Wealth: A Journey to Financial Freedom.

#TheFutureIsNow
#DigitalRevolution
#SmartLiving
#NoMoreExcuses
#WealthMindset
#StartToday
#PersonalGrowth
#OwnTheMoment
#ModernHustle
#FinancialFreedomJourney
#DigitalOpportunities
#FromDreamToAction
#InvestInYourself
#CourageOverComfort

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

A Budget Is Not a Prison 🚫⛓️ — It’s a Path to Peace and Joy 🕊️💰

For a long time, I thought budgeting meant suffering.
No outings, no treats, no fun — just endless sacrifices and guilt.

But here’s the truth I wish someone had told me earlier:

👉🏾 A budget is not a prison. It’s actually FREEDOM.
It’s you telling your money exactly where to go — instead of always wondering where it went.

A good budget isn’t about cutting joy — it’s about planning for it.

✅ Want to travel? Budget for it.
✅ Want to enjoy a movie date or a nice dinner? Plan for it.
✅ Want to give to church, parents, or your community? That belongs in your budget too.

You can be smart with money and still have fun.
In fact, budgeting helps you do more of the things you love — without the stress that comes with overspending.

When you know your money has a mission, you sleep better at night.

So no — a budget isn’t a prison.
It’s financial peace with purpose.

💬 Have you started budgeting yet? What’s one thing you always include in your budget that brings you joy?

#BudgetWithJoy #MoneyWisdom #FinancialFreedom #LifeOnPurpose #SmartSpending #Gamepulse #BuildingWealth

✍🏽 Joseck Wakwoma
Author of Building Wealth: A Journey to Financial Freedom

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

💼 How to Invest Without Ever Stepping into a Bank Hall

Let’s be honest.

Bank halls are starting to feel outdated—and for good reason. In today’s world, if you’re still depending solely on traditional banks to build wealth, you might be playing an old game in a new economy.

We now have more flexible, direct, and profitable ways to invest—and most of them fit in your pocket (literally).

Here are 10 smart, bank-free ways to invest that are already changing lives across Kenya and beyond:

🔹 1. SACCOs – Still One of the Best Starting Points

SACCOs aren’t glamorous, but they’re powerful. You build savings, access credit, and earn dividends. And you don’t need to be rich to join—just consistent.

🔹 2. Mobile Investment Apps

Apps like Hisa, Ndovu, or Chumz let you buy US stocks, ETFs, or diversify into local investment portfolios—all from your phone.

🔹 3. Chamas – Group Power, Digitalized

Chamas have always worked. Now with tools like Chamasoft, you can invest, track, and grow your group savings with total transparency.

🔹 4. Crypto & DeFi

With the right research, platforms like Binance, Paxful, or DeFi protocols let you earn from lending, staking, and trading digital assets. It’s risky, yes—but revolutionary.

🔹 5. Mutual Funds via Mobile

No paperwork. No queues. Just log in, deposit via M-Pesa, and invest in diversified mutual funds through firms like Britam, Sanlam, or CIC.

🔹 6. M-Akiba – Mobile Government Bonds

With just Ksh 3,000, you can lend to the government and earn interest every six months. All through your mobile phone. It’s secure, and it works.

🔹 7. Real Estate Crowdfunding

Property without millions? Yes. Platforms now allow co-ownership in rental or commercial properties starting from as little as Ksh 10,000. Earn rental income with zero management headaches.

🔹 8. P2P Lending Platforms

Be the lender. Platforms like Zidisha or Pezesha allow you to lend to vetted borrowers and earn interest. Riskier—but with great potential when managed wisely.

🔹 9. Agri-Investing

Invest in real farms and earn from harvest profits. Platforms like Twiga Foods and iProcure offer tech-driven agribusiness options that are both profitable and impactful.

🔹 10. Dollar Savings Accounts

Protect your money from inflation with USD savings wallets via apps like Chipper Cash or Eversend. You save in strong currency, and open yourself up to global investing.

🚀 Bottom Line:

You don’t need to queue at a bank to grow your money. The world has changed—and your investment strategies should too.

Whether you're saving in dollars, investing through your phone, or pooling resources in a chama—you can build wealth on your own terms.

The writer is the author of Building Wealth: A Journey to Financial Freedom.

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

"Happy Madaraka Day, Kenya!
Today, we not only celebrate our freedom as a nation — we also honor the storytellers, dreamers, and authors shaping minds and inspiring progress.
Writing is a form of liberation. Every page penned is a step toward financial, mental, and national freedom.
— Joseck Wakwoma, Author of Building Wealth: A Journey to Financial Freedom

6 months ago | [YT] | 1

THE FREEDOM COIN NETWORK

“Both success and failure are largely the results of habit.”
– Napoleon Hill, Think and Grow Rich

This quote has stuck with me for years—and it couldn't be more true.

In my journey as a financial literacy advocate and author, I’ve come to learn that the biggest game-changer in life isn’t luck or talent. It’s habit.

Why Habits Matter More Than Motivation

Success isn't built in a day. It's built daily.

The small, repeated actions you take—how you spend your morning, how you handle your money, how you respond to setbacks—these shape your future more than any once-in-a-lifetime opportunity ever could.

Habits like discipline, persistence, consistency, and resilience are what separate high performers from those stuck in cycles of regret.

Conversely, procrastination, negativity, and complacency slowly erode potential, often without us noticing—until it's too late.

Real-Life Examples from Everyday People

Let me share two brief stories:

Kamau used to think saving was for the rich. He started with just Ksh 50 a day, almost as a joke. Today, that joke turned into a thriving electronics shop. His secret? Not the amount—but the habit.

Mwende, a teacher, changed her financial future not by earning more, but by tracking her spending, budgeting, and joining a savings group. She bought land and built rentals—all from restructured habits.


These aren’t overnight success stories. They’re habit success stories.

Habits Reflect Mindset

The habits you keep mirror your mindset. If you believe in growth, you’ll develop growth-driven routines. If you think change isn’t possible, your habits will prove you right.

Here’s the good news: Habits can be changed. You don’t have to flip your life overnight. Start small. Stay consistent. Think long-term.

Final Thought

The real question isn’t, "Where will I be in 5 years?"
It’s, "What am I doing today, every day, that’s either building or blocking that future?"

Choose the right habits.
They’ll choose the right future for you.

Written by Joseck Wakwoma
Author of Building Wealth: A Journey to Financial Freedom

Let’s connect and talk about the habits you’re building to create success—one day at a time.

6 months ago | [YT] | 1