It is no longer news that before you are paid your monthly salary, you have already budgeted a huge chunk of it to settle outstanding debts you have incurred during the previous month.

By the time the new month salary comes, after settling these bad debts, you are left with little to no funds to carry you through in the month.

As a result of this, you have to borrow to keep body and soul together again, ah ah comrade!!

Well!!

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Best Regards.