Do you understand your financial situation well enough? Let us recall the times we’ve spent on something we thought we needed. "20% off for your second purchase? Spend a minimum of $50 to qualify for free shipping?" I am sure that at some point, we have been tempted to buy that one more piece of clothing, snack or product, thinking that we’re saving more. Realistically, we are spending more instead! It was discovered that the ,,bottom 20% of households spend more than they earn. But let us move forward from there. But first, what is financial literacy? Being financially literate means that we understand and practise healthy financial management skills. The mantra "Save more, Spend less" provides much truth to this present reality we are in. With the ever-rising prominence of e-commerce and ease of satisfying our need for retail therapy, we need to strike a balance between...