There's a reason why salaries at the end of January tend to disappear quickly, and it often has little to do with poor planning. One of the major expenses in January is back-to-school costs. Students typically start a new grade and need new uniforms and supplies in addition to school fees. Many formally employed individuals take out salary-based loans to cover these expenses, which unfortunately leaves them with less when it's time to collect their next paycheck. Join our WhatsApp channel to stay updated: https://whatsapp.com/channel/0029Va7TvgnFSAtC7qL6Vi3x #backtoschool #januaryexpenses #finance