Sure we have seen the damage that expenses has caused in our lives. But these expenses are essential for our daily living. Above these normal monthly expenses, we seem to have a bad luck with unexpected expenses. These expenses are the ones that can definitely destroy our personal life. Some people do not have the same income or are not receiving any income at all in order to cover those monthly payments. So a plan needs to be put in place in order to rebuild that road that leads to a different and better way of living.