Spend merrily, pay the price in January

With a budget, he knew he had to save at least half of the money because he had to wait for 50 days — end of January — before the next salary.

"But I did not save anything. I remember buying clothes for my two daughters, paid rent for January and bought food. I remained with about Sh20,000," he says.

Come January, Wambua was in debt of about Sh3,000 that he borrowed from a friend.

Read the full article here