The first time I ever took a loan, I thought paying back is easy. Nilikuwa fresh from Shule ndio nimepata mboka so I feel uwezo ninao. Hapo ndio nilikuwa pesa ya free Ni Nini. I used to get calls Hadi naskia kuendesha ju ya kutense. Halafu nikaskia debt collectors nikawa najihurumia everyday. Sikulipa still. So now I can only deal with Sacco. But once stability is achieved we shall revisit.