Most families in this region lack control, management, follow-up on budget. We are working to educate the family on the importance of money and how to save and invest. It’s important to keep a money diary in order to become aware of where your money is going, being crystal clear on why your family is saving can provide much-needed motivation and direction. The biggest challenge is finding motivation to maintain these habits. To do that, both goals and rewards are vital, and can be everything from big ones -- like a vacation -- or small rewards, like buying a book when you reach a savings goal. Without goals and rewards, why are we going to save money?