Many of us have problems with money and a lack thereof. Due to the 21st century and its many wonders, the moment many of us have money, we find ourselves frittering it away and spending it on useless and unessential things. Once we have spent everything on nothing, it is often that a real emergency and disaster occurs. We always find ourselves in the same situation – without a penny and an impending catastrophe requiring us to make an immediate purchase. Money problems can be a real drag.