Considerable gaps exist between human intention and action, and decisions around savings are no different
Kamala earns her living as a domestic worker, and her husband as a rickshaw puller. In spite of their limited earnings, they are determined that their child attend private school, which they hope will secure better job opportunities for him. Their child is due to start school in a few months, when a lump-sum amount has to be paid as admission fees. As such fees are high—almost as much as their joint monthly earnings—Kamala and her husband decide to put aside money every month. Yet, when the fees is due, they find that their money has been spent on other things such as festival purchases and house repairs. They regret this very much, as their only recourse now is to borrow informally from a moneylender at high interest rates.