Kenyans love a good debate. Arsenal vs Man U (How do you lose your first EPL game surely?). Nyama choma vs kuku fry. Matatus vs BRT (weeuhh😂 still waiting). But there’s one debate that never grows old: men vs women—who really handles money better?
Let’s break it down, Kenyan style.
🛒 1. Shopping Spree Champions
If shopping was an Olympic sport, many ladies would be gold medalists. Dresses, handbags, wigs, skincare, perfumes!! eeiii ladies, 12 different perfumes- mara ooh ya date, ya kazi, for brunch eeish stop abeg! Shoes (because how can one have only two pairs of black heels? mmhh). Every mall visit is a potential damage to the wallet.
But before men laugh too much, let’s remember when a guy shops, it’s not small. One jersey from his favorite club = her two shoes. One PlayStation = her entire month’s salon budget. That “cheap” phone upgrade? Boom, half his salary is gone.
Verdict: Women shop more often, men shop bigger.
💅 vs 🚗 2. Maintenance Costs
Ladies always say, “Being a woman is expensive.” And it’s true. Hair, nails, makeup, skincare, outfits for different vibes—office, brunch, date night, wedding, ruracio—you get the point.
Men, however, are “simple” until you see their budgets. That ka-Vitz needs rims. That Subaru needs turbo. That haircut every week at the kinyozi (with full massage package). That squad round at the local. Before you know it, he has spent the same as her wigs.
Verdict: Draw. Both sides are bleeding money—just in different ways.
💰 3. The Saving Game
Kenyan women are OG savers. They have chamas, table banking, secret M-Pesa accounts, even hiding cash in blueband tins. They can be sipping wine in Kileleshwa while their chama savings in Kitengela are busy growing.
Men? Some are good savers, but a good number live by the gospel of “sina pressure, kesho itajipanga. Ama kesho itajisort.” Until you ask them about their retirement plan and they tell you, “Ni kubuy shamba tu.” 😂
Verdict: Women take this one, hands down.
📈 4. Future Planners
Women are always ten steps ahead. School fees for kids not yet born? Already saving. Plot in Kitengela? Already bought. House plan on Pinterest? Already saved.
Men plan too, but often with vibes. The future might mean “kujipanga for next weekend’s Nairobi–Naivasha road trip.” Long-term investments? Sometimes postponed until after EPL season ends.
Verdict: Women. No debate.
🍻 5. Spending Habits
Men will spend 3K on drinks with the boys without blinking. Women will spend the same 3K on skincare and be labeled “extravagant.” Funny thing is, both will wake up broke on Monday. 😂
Verdict: Both sides have their weaknesses.
🏆 So, Who Wins?
Truth is, money doesn’t respect gender. Some women are reckless, some men are super disciplined, and vice versa. At the end of the day, it all comes down to habits. The real winner is not the spender or the saver—it’s the one who knows how to balance both.
And for those days when your budget is tighter than a not-so-well-fitting high waist jeans, Zenka’s got your back. Quick loans, fast approval, no stress. Whether you’re a man funding your boys’ night or a lady restocking your skincare shelf—Zenka iko ready.
Until next time- Bye!
