The first HELB drop felt like winning the lottery. You bought that new hoodie, ordered takeout three nights in a row, even loaned someone a few hundred bob you couldn’t afford to lose. Then the month stretched longer than your balance. You learned how to skip lunch without fainting and discovered which canteen gave free hot water. It was a humbling crash course in financial reality. From then on, every coin had a plan. You started recording every expense — even the tiniest mandazi. It didn’t make you stingy. It made you smart

The first HELB drop felt like winning the lottery. You bought that new hoodie, ordered takeout three nights in a row, even loaned someone a few hundred bob you couldn’t afford to lose. Then the month stretched longer than your balance. You learned how to skip lunch without fainting and discovered which canteen gave free hot water. It was a humbling crash course in financial reality. From then on, every coin had a plan. You started recording every expense — even the tiniest mandazi. It didn’t make you stingy. It made you smart