World Savings Day

Financial enfranchisement and saving is the most effective way to reduce the number living in poverty. For those living on less than $2 a day, which is less than my daily coffee, there are now grass roots programmes in place to create a savings culture.
If you are poor, living at the margins of society and excluded from financial institutions, can you really save? Do you have any 'spare' money? And if you do, can you save enough to make a difference? We often assume the answer is 'No', but I speak from personal experience when I say that the answer to these questions is emphatically 'Yes'.