<prompt> Translate the following text to EnglishKwa kweli, ni muhimu sana kwamba, kwa sababu ya hali hii, unaweza kuamua kwamba si lazima utumie pesa zako za mwisho wa mwezi, kwa hivyo utahitaji kulipa riba.  <response>: absolutely well the other thing of course is the fact that they hope you will not pay your bill at the end of the month so that you will be paying interest 