I can’t afford to take on extra costs this month., I’m struggling to pay for utility bills, so I’m cutting down on non-essential spending., I try to do my part in family life by helping out with chores and planning., I always put in my share of the expenses, even if it’s just a small amount., I want to be involved in the process so I understand the decisions and the next steps., Only a small percentage of people actually stick to their budget all year round., Only a small number of people manage to save consistently every month., I’m planning to hire someone to help with admin tasks., My relatives are coming over this weekend, so I’m getting everything ready..

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