Dwayne and his wife Tanya have been married for approximately four (4) years and are the proud parents of two sons, a three (3) year old and another a few months old. They have the story of the usual Jamaican young married couple in their late twenties, living in a rented flat, struggling to pay the bills, including a ever high credit-card debt.

Their eldest is about to enter basic school in September and they now have to consider paying school fees for the first time and in addition, they have to contemplate hiring a baby-sister to stay at home with their other son as Tanya returns to work after four months on maternity leave. Coupled with all of this Mrs. Smart has to contemplate purchasing new uniforms for work as the second child has left her with a few extra pounds of body weight.

They have been addressing some of their urgent financial needs on their own, as they have joined what is known as the unofficial savings methods in Jamaica, the age-old “PARTNER” scheme, however, this is never sufficient as there is no allowance for emergency funds as available funds are always used, sometimes for other purposes.

The Smart’s short-term goal is to ensure that they have sufficient funds to send off their son to school in September, pay off their pressing credit card bill within the year and also save towards the down payment on the purchase of a motor vehicle.

In their own words; “We need an opportunity like this because we want to better manage our finances and return to a serious savings regime and also to be able to track every cent that we spend