You have a well respected job in the services sector and have been putting over 60 hours of work per week. To match the workload, you have put in extra hours before the official working hours and have to work late in a bid to reduce the pile on your desk.

On some occasions, you feel burnt out, but continue to work because this income puts food on the table, not to mention the pile of bills you need to take care of.

All our attitudes, perceptions and experiences about money are usually formed at home. How our parents or guardians treat different money situations form a lasting impression that we may adopt or discard during adulthood.

Some are lucky to have money savvy parents who impart these skills, while other parents lack the basics for handling money.

Are you earning enough? Can you cover your expenses without borrowing? Are you managing your debt? How can you manage what you have better and leverage it to accumulate more? What extra expenses are you likely to incur in the future and what is required to improve your financial status?

These are some of the issues that we grapple with daily, irrespective of whether we are urban elite, urban poor or reside in the rural areas. Highly sophisticated or not, we need as much information to manage our personal finances more than ever before.

You work so hard yet your income barely covers your expenses. Quitting is not an option because this is your only source of income.

If you are grappling with this dilemma, it’s clear that surviving on a single income source is no longer possible.