I've been in that position too. America ma jo pain ek dui paisa kamauna aauchan, aafu sanga je chha athawa bank bata loan garera je gare ni huncha ni tara tyesta manche haru saathiharu lai nai apthero position ma raakchan.

Afu chai afule sakne haddi nildai basiyo bhako anusaar spend garyo save garyo. Tara kosaile ayera paisa maagna ayo bhane konsiri taatera aaucha. Nai bhanna ni apthero dina ni afule garo garera balla balla jamma gareko paisa