The article discusses strategies for Tanzanians to manage rising living costs by adopting budgeting practices.Financial experts emphasize the importance of creating a budget based on income to ensure essential needs are met while avoiding unnecessary debt.Mr.Charles Mtega highlights that 93% of successful individuals follow budgets, as they set clear spending goals.He explains that common budgeting pitfalls include impulse spending and carrying cash, which can lead to overspending.A practical budget example is provided, showing how a monthly income of Sh450,000 can be allocated to cover rent, food, transport, and savings.The article also warns against relying on loans for unplanned expenses, stressing the need for emergency savings.Challenges like impulse purchases and supporting relatives are mentioned as factors disrupting budgets.Overall, the piece advocates for financial discipline, living within income limits, and prioritizing savings to mitigate the impact of rising costs.