By monitoring financial diaries of several of the world's poorest families,economists found that a challenge facing the poor was:

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The monitoring of financial diaries of several of the world's poorest families showed that all of these options are true. The poor lack access to financial tools to save, their income is inconsistent and low, and they need to actively manage their money to make ends meet.

By Monitoring Financial Diaries of Several of the World's Poorest