We start out as very prudent money users, saving every penny or cent we get in the bank; a Piggy-bank, given to us by our parents when we are still babies.  You cannot take money out of most Piggy-banks; you can only put money in.  So we save our money.

And then somewhere during our growing up years, we will start buying things we saved money for.  And we keep on saving most of the money we receive.

Then, as an adult the saving game change.  Your responsibilities become more; you might have a study loan to pay off, rent money, transport money, and more, that need to be paid monthly.  But you can still try to save, this time in a real bank.

If we are lucky, life will continue, our savings will grow, we will make investments, plan for holidays, a new home, and retirement.  But everything does not always go according to plan.  We do not always remember the prudent ways of our younger years when life throws us a curve ball.

We might need some help and advice to get back on track with our finances.