I’m Rosie, a 39-year-old mom of two teens and a brand-new grandma. For years, my salary disappeared by the 3rd of every month between school fees, groceries, and transport. Opening my banking app felt like torture—I never knew which bill I’d have to pay late. Then life hit even harder. We lost my mother-in-law to cancer. My grandson was born at just 28 weeks and spen...