Building resilience to ongoing environmental changes may require financial investment and constrain already limited budgets.

Climate change refers to long-term shifts in temperatures and weather patterns. Such shifts can be natural but are also influenced by humans through the burning of fossil fuels like coal, oil and gas which generates greenhouse gas emissions. 

A loan is an amount of money borrowed that must be repaid within a pre-agreed period, according to a pre-agreed schedule, usually with interest.

A budget is a plan for how you will spend your money over a specific period (daily, weekly, monthly, yearly). It helps you track your income and expenses.

Taking a loan is a commitment related to meeting a certain need. It is important to look for different alternatives, compare and choose the loan which best suits your needs and is favorable for you in terms of price.

Categorizing expenses as necessary or non-essential is crucial for effective budget planning.

Saving is like collecting things for later. There are two main ways to save money: you can keep it at home or put it in a bank account.