Is it normal to feel lost in your 40s?

Yes. Many people experience a period of reevaluating their lives during their 40s. Career pressures, financial responsibilities, health changes, and shifting personal priorities often create a sense of uncertainty. You’re not alone, and it doesn’t mean you’re failing — it’s a normal stage of personal growth.

Why do my 40s feel harder than my 30s?

Your 40s often bring more responsibilities: raising children, caring for aging parents, managing a career at its peak demands, and dealing with physical changes. Financial pressures and reduced free time also add to the challenge compared to your earlier decades.

How can I deal with burnout in my 40s?

Burnout can be reduced by setting boundaries at work, prioritizing sleep and exercise, delegating tasks when possible, and making time for hobbies or social connection. Seeking professional help — such as therapy or coaching — can also provide effective coping strategies.

Is a midlife crisis real?

Yes, but it’s often misunderstood. A midlife crisis doesn’t always involve dramatic actions; it can simply be a period of questioning your life’s direction. This can be a healthy opportunity for self-reflection and change if handled intentionally.

How do I stay financially stable in my 40s?

Start by getting a clear picture of your income, expenses, debts, and savings. Focus on paying down high-interest debt, building an emergency fund, and contributing regularly to retirement savings — even if the amount is small. Consider meeting with a financial advisor for a personalized plan.

What are common health issues to watch for in your 40s?

Some common concerns include high blood pressure, weight gain, diabetes risk, hormonal changes, and declining muscle mass. Regular checkups, healthy eating, and consistent physical activity can help prevent or manage these issues.

How can I make new friends in my 40s?

Join community groups, take classes, volunteer, or connect with others through hobbies and interests. Be intentional about following up and scheduling regular catch-ups to turn acquaintances into real friendships.

Is it too late to change careers in your 40s?

Not at all. Many people successfully transition into new careers in their 40s and beyond. While it may require retraining or additional education, your experience and transferable skills can be a strong advantage in a new field.

✅ How to Fix a Bad Credit Score in Kenya (Step-by-Step Guide)

If you've ever been denied a loan, turned down for a job, or faced endless SMS reminders from digital lenders, you may be battling with a poor credit score. In Kenya, this hidden number can silently block your financial progress but it doesn’t have to stay that way. In this guide, we’ll walk you through practical, proven steps to fix your credit score and rebuild trust with lenders in 2025 and beyond.

A poor credit score can close doors to financial freedom. But the good news? You can fix it — and start fresh today.

Many get thereselves in loans because they where fast to borrow not thinking how they will repay it. In the future you get yourself in bad credit score when now you need to have a loan to do something important. Let's look on how to make a bad credit score be nice one💌

🧠 What Is a Credit Score in Kenya?

A credit score is a number that reflects your creditworthiness. In Kenya, your score is tracked by Credit Reference Bureaus (CRBs) like TransUnion, Metropol, and Creditinfo.

It’s based on:

Your loan repayment history
Mobile loan usage (e.g., M-Shwari, Tala, Branch)
Defaulted loans or unpaid bills

A bad score means you're seen as a high-risk borrower, making it harder to get:

Bank loans
Mobile credit
Hire-purchase deals
Jobs (yes, some employers check CRB reports!)

🚨 Signs You Have a Bad Credit Score

Your loan applications are constantly rejected
You’re blacklisted on a CRB
Lenders ask for more security or higher interest
You receive warning messages from digital lenders

Young Kenyan checking credit score online to fix bad CRB record

🔧 How to Fix a Bad Credit Score in Kenya (2025)

✅ 1. Check Your CRB Status

Start by knowing where you stand.

How to check:

Metropol: Dial *433# or use the Metropol website
TransUnion: Send your full name to 21272 or use the TransUnion Nipashe App
Creditinfo: Use Creditinfo Kenya

👉 You’re entitled to 1 free CRB report per year.

💸 2. Clear Any Outstanding Loans or Debts

Once you see which loans are causing trouble:

Contact the lenders
Negotiate a repayment plan
Avoid ignoring default notices

Even small mobile loans can affect your score.

💳 3. Avoid Taking Too Many Mobile Loans

Apps like Tala, Branch, and Okash report your usage to CRBs.

Too many loans = red flag
Missed repayments = blacklisting

Instead:

Take one loan at a time
Repay early if possible
Use loans for productive reasons only

🕵️‍♂️ 4. Request CRB Clearance Once Paid

After repaying your loan, ask the lender to update your CRB status.

💡 Tip: Some CRBs allow you to self-clear after payment by uploading proof.

🧾 5. Build Positive Credit Behavior

To slowly rebuild your credit:

Pay bills and loans on time
Avoid bouncing cheques or overdrafts
Keep good relationships with lenders

Even consistent Fuliza payments can help prove you’re reliable.

📱 6. Use a Money Management App

Apps like:

Money Manager
Tala Score
M-Shwari statement tools

…can help track your financial behavior and keep your score in check.

🚀 Bonus: How to Avoid CRB Blacklisting Again

Only borrow what you can repay
Use money market funds or savings to stay liquid
Budget wisely (see our post: How to Budget on Low Income and Still Save)

Frequently Asked Questions (FAQs)

1. How long does it take to fix a bad credit score?

Usually 3–6 months after clearing debts and proving good repayment habits.

2. Can I be removed from CRB blacklist automatically?

No. You must repay the loan and request clearance, or the lender must notify CRB.

3. Is it illegal to be blacklisted?

No. But you must be notified before listing, according to Kenyan law.

📌 Final Thoughts

Your credit score is your financial reputation. Fixing it may feel hard, but it starts with small, consistent steps. With discipline, honesty, and strategy, you can rebuild trust and unlock your financial future.

NB: Many people in the world have become rich by getting loans and starting Business, Education, in assets, as emergency loans and many more. Make sure you build your trust by repaying your loan and getting you loans that you can repay. Again avoid app loans they might get you in Monday greedy. Follow us on Globlaize- Smart Money Guide to get more tips on The best Loan apps