For ages 13–24

Learn it.
Save it. Level up.

Short courses, a free downloadable toolkit, and money challenges you can actually finish — designed for young Zambians figuring out their first kwacha.

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Courses

Pick a track. Start today.

Bite-sized courses built around real Zambian money moments — earn, save, spend, grow.

01 · Earn
Beginner

Start a side hustle this month

6 lessons·1h 20m·Free
Start course
02 · Save
Beginner

Build your first K1,000 buffer

5 lessons·55 min·Free
Start course
03 · Spend
All levels

Budgeting without feeling broke

8 lessons·1h 40m·Free
Start course
04 · Grow
Intermediate

Crypto & investing — the honest intro

7 lessons·2h·Free
Start course
Toolkit

A free toolkit you'll actually open.

Worksheets, calculators and cheat sheets built for phones first. Save them, print them, share with a friend.

Open the toolkit →
  • PDF
    Monthly budget worksheet
    180 KB
    Download
  • Sheet
    Side-hustle pricing calculator
    Google Sheets
    Download
  • PDF
    Savings goal tracker
    120 KB
    Download
  • PDF
    MoMo fees cheat sheet
    90 KB
    Download
Saving Challenges

Money habits that stick — because they're a game.

Join a savings or budgeting challenge with thousands of other youth. Daily nudges, simple wins, real progress.

7 days

No-spend week

Cut every non-essential kwacha. Stash the difference. See what you really need.

1,240 youth inJoin →
30 days

Save K500 challenge

Daily micro-saves that snowball. Hit K500 by day 30 without skipping meals.

2,815 youth inJoin →
21 days

Track every ngwee

Log every transaction for 3 weeks. Spot the leaks. Plug them.

980 youth inJoin →
Money dictionary

Big finance words, explained like a friend would.

No suit-and-tie jargon. Just the terms you'll hear at the bank, on socials, and in your first job — in plain English.

01
Budget
Your plan for money
A simple plan for what comes in and what goes out so your kwacha lasts the whole month.
02
Interest
Rent on money
Extra you earn when you save — or extra you pay when you borrow. Small % adds up fast.
03
Inflation
Things get pricier
When the same K10 buys less bread next year. Your savings need to grow faster than this.
04
Gross vs Net
Before vs after
Gross is what you earn on paper. Net is what lands after tax and deductions.
05
Emergency fund
Your 'oh no' stash
Money set aside for surprises. Aim for at least one month of expenses.
06
Compound interest
Money makes money
Interest that earns interest. Start early — time does the heavy lifting.

Ready to level up your money?

Pick a course, grab the toolkit, join a challenge. It's all free.

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