Modern times can be tough as you struggle financially to stay on top of keeping one's head above water. The expectations of providing everything the family needs to get by can be daunting! The cost of this seems to be endless…and for a lot of people, annual family holidays, great education for the kids, nights out on the town, upgrading the car etc, etc, might be impossible because of circumstance. But the clock is ticking and time is fading away. But, there is hope…real hope!