Account for every coin to curb emotional spending sprees

It is Monday morning and you are on one of the busy streets in Nairobi. You are in a hurry to get to the office on time. Then you bump into a group of window-shoppers who have their eyes glued to an item on display. Curious, you make your way through the crowd and discover they are admiring the latest model of a trendy mobile phone.

Without being prompted, you step into the shop. After a brief chat about the phone’s features and cost, you fish your wallet out and pay for the gadget.