Happy that you have helped a consumer sort their cashflow and create a budget? Have you set someone off on a repayment programme that is destined to last for years? Did you give up your time to help build someone’s I&E and shown them how to get back to financial stability. If you can say YES to any of those questions ask yourself if you can be there for them every day to monitor their progress going forward, Can you be there for them every day to advise them when they waver from the agreed plan? Can you find ways to prevent them from returning to old habits or encourage them to start new ones – for the duration of the repayment period? We doubt you can YES to any of those questions? But you could. Think digital solutions -think download an App.