The world of “grown ups” is littered with responsibilities. One of them, the one that constantly rears its ugly head over and over again is that of bills and finance. It seems like everyone wants a piece of us, that we are working just to pay the next bill. Every service provider you have – electricity, insurance, mortgage, phone etc – issues a bill to you at different times. This makes it seems as though there is always some bill that needs to be paid, and this sits in the back of your mind, eating away at you until the dreaded due date arrives. Then you might realise that it hasn’t been paid yet and scramble to make a payment before you receive another lovely letter in the mail letting you know that you now owe more money as a “administrative fee” to handle the late payment (it baffles me how some companies can justify such exorbitant late fees… for what?). And what if your simply unable to make a payment?