By law a section of public service employees should have declared their income, assets and liabilities to the Inspector General of Government (IGG) by the end of this month.

This official disclosure should lead to exposure of what is considered unjust enrichment.

While some employees treat this as an inconvenient and mandatory exercise, it should be a critical undertaking in personal financial management.

If you want to get a grip of your finances, it is important to have a clear picture of your income, assets, liabilities and most importantly expenses.