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Keep the same smile you had when you borrowed the money. If you borrowed money from someone and you cannot pay them back yet, COMMUNICATE. Do not disappear, do not ignore their messages and do not act like nothing happened. Sometimes we pray for blessings but we are holding onto someone else’s money and avoiding the person we owe. If you genuinely cannot pay right now, be honest. Communicate, explain your situation and agree on a way forward. Pay people what you owe when you can. You never know how much they may need that money too. 🙏🏾💰 #KatlegoKevin #PersonalFinance #SavingMoney #Budgeting #Fyp