Challenges and difficulties are essential for growth and development
“A smooth sea never made a skilled sailor.”
― Franklin D. Roosevelt
The 32nd President of the United States Franklin D. Roosevelt said that “A smooth sea never made a skilled



Financial literacy is a core life skill that focuses on knowledge, behaviour and attitude required to make responsible money management decisions. In 2005, the OECD recommended that financial education start as early as possible and be taught in schools.
