I am quite good at money management, at least I was until I had a family, with teenagers in it. Creating a budget that the whole family can live by is a very difficult task, and so that’s why I have enlisted your help. I think that if I can sit the whole family down, and show them piece by piece on one page how much goes into the bank and how far, far too much is coming out of the bank, maybe they will understand and rein it in. I wanted to give them the chance of being responsible first before I cancelled all their cards – you know teaching money management at an early age has to be good for them!

So I have begun a budget online with your company, and so far so good – it seemed to really hit home when the kids saw that I could see each and every one of their purchases, and when they saw how much they were overspending. So here’s hoping you have helped me created a couple of kids with a money conscience. If I suddenly cancel a whole lot of the cards from the budgeting page, you know what has happened!