This holiday we’re not going back to things we had been rescued from. In the midst of all the festive hype, keep your head straight.
You will meet people you have a history with and if you fool around they can draw you back there. Don’t come back with the chorus of the careless ‘one thing led to another…’ That’s just a cover for saying ‘I made a series of stupid moves that I knew I shouldn’t have.’
I’m told some 14 million Kenyans are blacklisted by the credit watchdog Credit Reference Bureau (CRB). And most of them are youth between 20-35 years. That’s the bulk of the productive age group reeling under debt.
People talk about government borrowing but there’s another menace in individual borrowing as well. Debts are stressful things. Avoid giving anyone the power to harass you with threats of the auction and rude messages.
When you go home don’t borrow for anyone. Stick with your budget and in case you run out of money return to your base in the city even if the holiday is not over yet.
About people who lead you into temptations, strictly avoid them. It may be a wealthy brother who buys you alcohol which you’ve struggled to come out of. Or that mischievous cousin who hooks you up with lovers. Or a childhood friend you used to do silly things with and when you meet that’s still the energy.
Be alert that you don’t reverse months of progress in the spur of a passing moment.