I’m yet to go through the pennybox website, but I’m sure any idea built with such experience and values have a lot to offer. I myself didn’t realize I would be so terrible at it when I got my first job, it took almost 3 years to learn that I would need guidance. But surprisingly not many are good at it, and the ones who are, wonder what’s so difficult in managing finances. Thanks for the article. I’ve already shared it to whoever I know needs it.