I like to believe that every human being on earth is engulfed by the fear of the future. We work hard everyday, all day, trying to secure a safe future for our families. However, sometimes the nightmare of losing a job, getting demoted, or having to close a business becomes a reality. In such a situation, one is left without a choice but to depend on the little they had saved to take care of family upkeep, school fees, insurance, rent and a host of other bills. Before one can secure another job, how does he/she ensure that he/she can survive efficient with the cash at hand?