Being financially backwards seems to be the latest craze. I’m sure I’m not alone when I look at my bank balance and wonder where my money has gone. But frankly it has gone beyond a joke recently. I don’t think I’m wasteful with my money, so what happens to it? I have a budget which I have to stick to. I work as much as I physically can. And yet there appears to be little gremlins living in the bank that eat my hard earned pennies on me.