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Dear Dr Pesa,
I had a lucrative job before the pandemic but I unfortunately got the axe as an effect of COVID-19. I have since gotten a new job with significantly less pay, Sh30,000 per month. I don’t want to experience the same trauma I did for the past three month in the cold. Please advise on how I can set up an emergency fund and more importantly, what can I use it on and what should I not spend it on?
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