Tanzania, July 22 -- Dar es Salaam. As living costs and everyday expenses continue to rise, many people find their salaries increasingly inadequate as they juggle multiple financial responsibilities.

Rent, transport, food, school fees, healthcare, internet bundles and loan repayments all compete for the same monthly income, which often remains unchanged for long periods despite rising costs.

Financial experts say the challenge can be reduced by creating a budget based on one's income.

Although many people struggle to develop and follow budgets, they can help individuals make better use of their earnings, ensure salaries cover essential needs, and avoid unnecessary debt.

Business and budgeting trainer, Mr Charles Mtega, says research s...