Surely, for different reasons, in the life of each of us, one has been in a situation when the salary will be paid only in a week, and there is absolutely no money left.

We will try to understand, why this is happening, why almost half of America (according to statistics) constantly do not have enough money from wages to salaries, or money with an enviable regularity much earlier than the time for receiving the next cash payment for their work.

There are quite objective reasons for this. Also, our reluctance to understand our own financial failures and problems and to find ways to solve them also contributes to this circumstance to a considerable extent.