Do you tend to spend more than you earn? Do you procrastinate paying your bills on time? Well, not everybody is good at managing their finances. While some find it difficult to maintain the minimum balance in their account, others shop using their credit cards and tend to spend more than their budget.
If you don’t know how to manage your finances when you earn, thinking of saving for retirement would seem like a Herculean task. Many people, especially middle-income earners find it difficult to save money for their future.