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a)Personal financial management is a daunting and continuous task that can cause even the most economically savvy individual to become confused or short-sighted. Explain this

a)Personal financial management is a daunting and continuous task that can cause even the most economically savvy individual to become confused or short-sighted. Explain this statement in the light of personal financial planning and budgeting. (12 Marks)

b) Digital credit craze in Kenya is a double-edged sword for borrowers. Discuss. (13Marks)

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