I've started filling in a monthly income and expenditure sheet for the family so that we can have a better idea of our spending patterns and figure out where we can save money.

I've paid back all my loans from my relatives and can survive without borrowing money. With better budgeting, I've finally been able to make ends meet.

After each session, I share the course hand-outs with my children who are at university and we have started a savings plan together. My children now each take 20% from their monthly pocket money and put it in our family's 'emergency fund'.