Xend Finance (XEND) is a token of a decentralized protocol for improving the operations of credit institutions. The protocol provides a multi-level interest rate and decentralizes savings, credit, borrowing and investment operations.

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What is it with salary earners and spending on stuff they don't need?

As you spend, also ensure that you save a little for rainy days.

What is it with salary earners and spending on stuff they don't need.