Use what you have to get what you want
THERE IS always a common complaint in January: people crying of being broke. It is understandable for one not to have money at that point in time following heavy expenditure in the festive season. But that does not mean we cry till the end of January. Some people even use the season as an excuse not to pay their debts even when they would have raised the money by reducing on the band-wagon expenditure in the season.