We've all been there, I'm sure.
And probably you know it too well.
That moment when you take a daring look at your bank account and cringe at the ATM screen, or when you carefully close your internet banking app, stunned by the sum.
Bills must be paid.
And things start requiring money that you hadn't anticipated (your car breaks down, your clothes begin to show holes and rips, and your friend's birthday arrives earlier
than expected).
However,...