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Dear Dr Pesa,
I am 26 years old and I’ve been employed for about two and half years now. I earn Sh50,000 monthly, but by 10th I never have anything left. I have always believed that I should thank myself with my salary since I work so hard for it but I think I overdo it. I am also very generous so whenever someone asks for money, I don’t hesitate to give. I’ve been told I have financial indiscipline. I’m not sure how to tackle that but I know it will be a problem especially because I want to settle down and start a family. Please help.
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