Start here25 min
Saving with intention
How to set a contribution you can keep, even when income is irregular.
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CAC Financial Academy
Financial literacy for the childcare community
Short, practical lessons on saving, debt, childcare businesses, and creditworthiness — the difference between a generic SACCO and one built for this sector.
Start here30 min
Budgeting for care work
A simple household and centre cash plan that respects term-time peaks.
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Core35 min
Understanding SACCO loans
Interest, guarantors, eligibility, and how to borrow without strain.
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Core30 min
Managing debt well
How to sequence repayments and protect your savings when cash is tight.
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Grow45 min
Starting a childcare business
Costing, quality, registration, and the money side of opening a centre.
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Grow40 min
Business accounting basics
Records, pricing, and separating personal cash from the centre’s books.
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Grow20 min
Building creditworthiness
What loan officers look for — savings history, shares, and repayment.
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Next25 min
Planning for retirement
Long-term savings, shares, and how cooperatives can support later life.
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Ready when you are
Ready to build your financial future with the childcare community?
Save. Grow. Thrive. Together. Join Collaborative SACCO as a member, centre, or sector partner.