Blinkist App: https://www.blinkist.com/?irclickid=V1jTjgxHaxyLUg%3A0EkzjZTwgUkGxeBTceyi-wA0&irgwc=1&utm_medium=paid&utm_campaign=2493257&utm_source=Impact&utm_term=Online%20Tracking%20Link&utm_content=10732 Key Words: Spend / EarnText:"Djafar has a spending problem. He spends more than he earns. He buys the latest phones and eats at the best restaurants. He gives expensive gifts too. Djafar wants to be better with money. His mother always says "You need to save for a rainy day." He needs to follow her advice. He is motivated to do so. He set up an emergency fund and he plans on putting 10% of his salary every month. However, before he can start saving, he needs to first pay his debt. He borrowed money from his brother, two of his friend, and even a colleague. "How much money do I owe them?" He asksed himself. He did the math. It came to 98 000 da. That's more than twice his salary. He needs to cut back on his spending. It's a new habit that he needs to form. To kick start this project, he is doing a "no spend month" challenge. It will be extremely difficult because he usually doesn't even go a day without spending."Thank you for listening.Join us on Instagram @zalamit.podcast

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