Where Did My Money Go?

Budgets are important. Time, money and other resources are finite so the absence of an accountability method can lead to a very quick draining of those resources. In the age of technology, mobile apps have made it easier. For my COS trip, I was looking for an app that could handle budgeting and expense tracking using multiple currencies.

After some internet searches, I came across Toshl. It can track income and expenses while handling budgeting tasks. The app allows you to set a home currency, while entering expenses (or income) in other currencies. It will automatically show conversions to the home currency at the last updated rate. For example, I can set my home currency to the US dollar and enter Kenyan expenses in Kenyan shillings after entering Swazi expenses in Swazi emalangeni. In my expense tracker, the expenses will show in their respective currencies with the day’s exchange rate for US dollars. The app has premium, paid features that I have not explored. One such feature is the ability to connect bank accounts for automatic syncing.

Overall, the app has been just what I needed. It has allowed me to keep track of my spending during trip. It even reminds me, via mobile notifications, to ensure that I input all of my expenses. Recently, I even got a notification that I’m on track to be slightly under budget (for my trip). I would recommend it if you’re planning on traveling abroad or dealing in currencies outside your home currency.

Be kind to yourself.


Monday in a Picture – MTN

In Swaziland, we have one mobile phone service provider, MTN. Another provider is set to begin operations this month. For many years, if someone wanted to make a cell phone call, text, or use mobile data, they would have to purchase a Swazi MTN SIM card. 

While MTN mobile service is available in other southern Africa countries, the lack of competition means higher prices than in neighboring South Africa. MTN does occasionally offer bonuses and customer appreciation specials. During last summer, there was a customer appreciation week. There are some corporate MTN stores in major cities, but you can purchase airtime just about anywhere. The picture above is of the corporate store in Mbabane.

As far as coverage, it depends on where you are. In my homestead during pre service training, coverage was bad on a good day. Other days, it was nonexistent. At my current homestead, I’m rarely without coverage. For that, I’m thankful. We’ll see what changes the new mobile service provider brings to the landscape in the kingdom.

Be kind to yourself.

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