I have been busy typing away at this literature review trying to tie all the amazing ideas and thoughts which can accumulate from this study into some kind of concrete plan. I just read this Working Paper from MIT - Department of Economics called "the Economic lives of the poor" by Banerjee and Duflo, which look at 13 countries and their Living Standard Measurement Surveys (LSMS). These surveys tell you what a person spends their money on in a month, what is their income, where they live and other demographics. They looked particularly at the bottom 10% of the population of these countries and saw that the poor did have gaps in their budget for things like entertainment, alcohol, and other non-needed food items. The problem is having a reliable place to save and psychologically commit to the future when their lives were in many times, such an unstable and insecure state. I should be able to get some great ideas from this paper.