2 Saccos, 3 chamas and a merry-go-round, am I trying too hard to get money?

Dear Dr Pesa,

I am a 32-year-old single mother of two school-going children, earning Sh50,000 a-month. I live in a good two-bedroom apartment and pay Sh12,000 rent. I am in three 'chamas', two saccos and a merry-go-round.  I contribute Sh2,000 every month to one of the 'chamas' I have been in with four friends for 2 years; we don't withdraw any money because we are saving to start a business. I give Sh5,000 per month to another group for buying kitchen items and foodstuff. There is also a group where I put in Sh500 monthly for a kitty to help my cousins. To the saccos, I contribute Sh3,000 to one and Sh12,000 to another because I want to get a loan. In the merry-go-round, I give Sh1,000 weekly; we are 26 people and I get money twice a year. I host at least one meeting for the 'chamas' every month where I provide tea and cake for the members. It may look tricky but I often borrow from loan apps to manage all this. My friends say it's an issue, but I don't see it. Do you think I am the right track? If not, how can you help me?