You visit an elderly family member or friend and see a shut-off notice in their mail.
When reviewing their checkbook you see some bills have not been paid or paid twice.
Your accountant asks you not to come with the shoebox file system overflowing with unorganized documents.
Everytime you need to find an important document you spend hours trying to locate it.
You find that no matter how many hours you work, your budget is just not giving you any relief.
You put off making those time consuming telephone calls to resolve a problem.
You find yourself going in circles in a voice response system and get cutoff after being on hold for an
extroadinary length of time.
