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Dr Magongo Traditional Doctors
Nairobi - Kenya

“Every time I was Nearing to Pay Off My Car Loan It Was Reposessed” Kenyan Man Shares Why Many Are Suffering in Debts and What to Do

July 31, 2026

My name is Brian.

For many years, owning a car was one of my biggest dreams.

I came from a humble background, and whenever I saw people driving their own vehicles, I imagined the freedom that came with it.

To me, a car was not just a machine.

It was a symbol of progress.

It meant I could provide better for my family, move my business forward, and finally feel like my years of hard work were paying off.

After saving for years, I joined a SACCO and applied for financing.

The day I drove my car home was one of the happiest days of my life.

My family celebrated.

My friends congratulated me.

I felt like I had finally entered a new chapter.

I imagined the car would help me increase my income and improve my life.

But things did not go as planned.

Soon after buying the vehicle, problems started coming one after another.

My business slowed down.

Unexpected expenses appeared.

The income I depended on became unreliable.

Every month, the SACCO payment became more difficult.

At first, I told myself:

“I will recover. Things will improve.”

But months passed.

The pressure became heavier.

I started borrowing money to pay other debts.

I lost sleep worrying about the next payment.

The car that once brought me happiness started becoming a source of stress.

One morning, my biggest fear happened.

The SACCO repossessed the vehicle after I failed to keep up with the payments.

Watching the car being taken away broke my heart.

I stood there feeling like years of effort had disappeared in one moment.

I felt embarrassed.

I felt disappointed in myself.

People who had celebrated when I bought the car now only saw my failure.

Inside, I was fighting a battle nobody could see.

I started asking myself why everything seemed to be going wrong at the same time.

A close friend noticed how much the situation had affected me.

He encouraged me to seek guidance from Dr. Magongo as part of a traditional consultation and personal reflection process.

I visited and shared my story.

I explained the car.

The financial pressure.

The loss.

The feeling that every plan I made was failing.

Dr. Magongo listened carefully.

He encouraged me to reflect on my choices, rebuild my confidence, and look for a new direction.

A symbolic cleansing ceremony was prepared to represent releasing a difficult chapter and creating space for renewal.

The ceremony included symbolic items.

A white cloth represented peace, a fresh beginning, and letting go of painful memories.

A small amount of salt represented cleansing and removing emotional burdens.

A candle represented hope, light, and finding direction after a dark season.

During the ceremony, I reflected on my journey.

I realized that I had focused so much on owning the car that I had not prepared enough for the responsibilities that came with it.

I needed a new mindset.

I needed better planning.

I needed patience.

After that period, I started rebuilding my life slowly.

I created a better financial plan.

I reduced unnecessary expenses.

I focused on increasing my income instead of chasing appearances.

I stopped comparing my journey with other people.

Slowly, things began improving.

I found new opportunities.

My confidence returned.

I learned that losing something does not mean life has ended.

Sometimes a painful experience can become a lesson that changes how a person moves forward.

Today, when I look back at that season, I no longer only remember the day my car was repossessed.

I remember the lessons it gave me.

I learned that success requires preparation.

I learned that financial decisions need wisdom.

And I learned that after every setback, a person can rise again.

The car was gone, but my determination remained.

And that became the beginning of a new journey.

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