In the latest episode we chat to  Mandeep Sandhu , Country Lead, Australia and New Zealand at Personetics about PFM (Personal Financial Management)  and it's application use here locally v global offshore markets. 

We chat about how sophisticated PFM's are - what they can achieve and what they as the hurdles and barriers in some situations. 

We talk about budgeting, financial literacy as well as overall behaviours when it comes to money.