But this shouldn't be the case if we can sit down and plan through out the year, in such a way that we have money assigned for various functions like holidays. A budget should aid through this. It's sole purpose is to give you a firm grip on your finances.

A couple of  days ago, I was meeting Truphosa*,  a possible contributor to  PesaTalk at a coffee house in Upperhill. I had just settled in and taken a look at the menu when she walked in, looked extremely miffed. She sat down and without looking at the menu, asked for…