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Due to the spread of consumerism all around and overpowering of wants over needs, human being has become a slave of the debt trap. Nowadays, it is very difficult to find a person who is not servicing any loan. In fact many people take a loan just to repay another existing loan.

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We all know that December is the festive season not only in Tanzania but across the world. This is the time when majority of service providers say – Hotels, Airlines, Tour Operators, Shopkeepers etc look forward to make good money out of us as consumers. So this being the festive season, everybody is on a spending spree.

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