Hiyo mikopo sio hata ya kulilia🥶Yan hapo baadae hawajakutana na NHIF, PAYE, bado loan from CRDB, or NMB or Finca, NSSF, sacoss🤣na Heslb 15% of your salary take home 310k lipa Deni mangi 100k bAki 210k toa Unga, Mchele mafuta 150k na other expenses, 🤣🥶100k jaza mafuta gari