Think back to your very first pay cheque – paper route money, babysitting income or a cheque from a part–time job. Did it come with instructions?Instructions seem to be included with the simplest devices these days, and yet, with something as important as our pay cheques, we’re left to figure it out on our own. No one is born with money management skills. By the time we’re adults, we are expected to be able to manage our money effectively; however few of us are taught how. Therefore, many people experience the usual emotions that occur when they on’t know how to do something well….