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Economics: Amma's style

Back home in RRF, money was always hard to come by. Many a times we, as children, wished that those frequent squabbles of our parents over money (lack of) never arises. As part of economising and savings, Amma used to ink down a monthly budget for the family. Sundry goods were always enlisted and bought in advance from a particular shop, with cash of course. Amma made it a point never to buy on credit as she believed that it would always spiral out of control. She learnt her lesson well, thanks to her father who singlehandedly burnt off his whole family fortune in a single generation! When I look at the budget that she had penned, it would appear as money was just enough. No place for unexpected misfortune or malady. Of course, she would supplement her income through her sewing skills. Pretty soon she carved a name for herself amongst the occupants of RRF. When the coffer started welling, never overflowing, she would give out loans to pathetically poor and uninitiated inhabitants...