"Never spend money before you have earned it"
This is more prevalent but not limited to the civil servants. They always come up with the excuse that their salary is never enough and had to borrow each time. In as much as this is true, it is not the only option. I have seen people who earn little yet they are able to live a comfortable life. I was s lucky to interview one and he told me his secret. he said " earn, save and invest before you spend it." This is a simple strategy he use to overcome spending before earning. You can do the same.
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