This 2024 tulisema ni kuomoka, some of us are Spendthrifts while wengine wetu ni frugal. Naeza penda tuchanuane at least we be on the same page before Feb ifike, also we touch a little bit more on budgeting from a bachelor's life to a big family of 10.

Spendthrifts- They live beyond their means and break budget.

Frugal-They live within their means and stick to budget.