How to Reduce Expenses and Save Money: 3 Items You Can do without

A good personal budget should include an emergency and savings fund. The best strategy in personal budgeting is to keep track of past spending and plug the leaks. Personal budget items such as housing, food, groceries, clothing, and personal care are considered basic. However, without being keen, other important but not necessary items may creep into our budgets. Such items would include debt repayment, entertainment, and household shopping.1. Finance ChargesIn Kenya today, most people are
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