Rajesh thought the scheme would make him a million – but he's had to learn to live with his mistake.

Forty-year-old Rajesh's always wanted to do the right thing. So when a friend of a friend told him about an opportunity to make money fast, he thought he would go for it. It could provide the financial security he wanted. After all, success was as good as guaranteed, wasn't it?

Well, to cut a long story short, Rajesh lost his money. And he's learnt a lesson – if something looks too good to be true, then it probably is.

What's worse, he's lost his investment, but he also begins to find it difficult to cover his everyday spending. Instead of a financial windfall that would set him up for the foreseeable future, he finds himself worrying about paying his mortgage. And he's already behind on some of the bills.

For a while, Rajesh's been trying to pretend that everything's fine but he's starting to feel overwhelmed.

His brother suggests a discussion with a financial advisor and so Rajesh makes an appointment with few of them to talk things over. It's definitely the right decision. They help him put together a plan to deal with his creditors and a budget to keep his finances on an even keel.