Transport, Delivery & Gig Work
How gig workers in Kenya can separate personal and business money
Gig workers can track income and expenses separately so personal spending does not hide business profit.
Gig workers often receive money into the same M-PESA or Bank account they use for personal spending. This makes it hard to know whether the work is profitable.
A freelancer, rider, online seller, tutor or delivery worker may receive income and spend it quickly on fuel, data, food, transport or household needs. Without records, business profit disappears into personal spending.
Separating records does not always require a separate bank account at the beginning, but it does require clear tracking.
What to separate
- Business income.
- Business expenses.
- Transfers to personal use.
- M-PESA payments from customers.
- Bank payments from clients.
- Fuel, transport, data and equipment costs.
Good habit
- Record business income first, then record business expenses, then note money taken for personal use if needed.
How Bizwazi helps
- Bizwazi helps gig workers record business income and expenses separately from general memory or phone messages.
How Bizwazi helps
Bizwazi gives small businesses a simple way to record sales, expenses, invoices, inventory, supplier bills, transfers, daily balances and reports in one place.