Africa Melane speaks to Ndivhuho Siliga, Founder at Kleva Finance, about why January hits households so hard, what compromises families are forced to make, and practical tips to get through the month without going into too much debt.

Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. 
 
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