Am Rooney alinga am a college student i hade a passion of opening a cyber café but i hade no money so i went and borrowed money from a bank so as to start the business. Ilikuwa succefull nikapata mkopo so business ilishika moto mbaya nilikuwa napata pesa ya rent, i paid for my short courses and so on, but shida ilitokea where i was sick like ile mbaya and niipelekwa hospital and the bill was very high so i delayed the payments of the loan where i had no more akiba so i decided to sell some few things in my cyber so as to repay the hospital bill but thank God nilipona. So kurudi kwa bussiness mambo ni moto capital imerudi down sina other source so nika amua nirudi kwa bank kuchukua mkopo ingine nikaambiwa siwezi pata mkopo ingine nimewekwa kwa CRB (Credit Reference Bureau)! hii ilinifanya nishindwe kupata msaada kutoka kwa banki yeyote. Sikukata tama i Decided kwenda kuuza mitumba kule sokoni hii ni baada ya kutafuta kazii kwa hamu na gamu na kutumia Connections mbali mbali,kwa muda hivi nilifanikiwa kupata pesa lakini sio mingi nikalipa deni pole pole hadi kutolewa kwa CRB na kurudisha jina langu kwa rekodi nzuri ya pesa. Kutokana na uzoefu wa kujituma kwa hamu na gamu nilijifunza umuhimu wa nidhamu ya kifedha, kulipa madeni kwa wakati, na kuwa na akiba kwa dharura.Somo: Usichelewe kulipa madeni, kuwa na akiba ya dharura, na weka nidhamu ya kifedha ili kuepuka matatizo ya kifedha.