Making ends meet has been a challenge to my brother who has three sons in college and one in high school. Adding to the burden is his wife who was recently diagnosed with acute ulcer. Me and my brothers already contributed to help him financially but I guess the amount was not enough to pay the children's school tuition fees and his wife's medication. Last week, he asked financial assistance from me but sadly I was in a financial crunch too! So I referred him to apply for payday loans from a friend for a minimal interest and with a longer term. It is really wise to save money in bank or cooperative in times of abundance... so when the unexpected financial needs come, we have something to lean on.