Zahid Mehmood aged 50 belongs to a lower middle class family and lives in Lahore. Associated with an HIV Aids project he managed to earn well to support his family. He is free after the completion of the project and wants to buy an auto rickshaw. He is father of six children. Two are school going whereas one son is a tutor and another son works at a jewelry shop. With new auto rickshaw in his hand he will be in position to drive it 10 hours with flexibility of time, managing early morning & late night clients for some extra charges (as the availability of auto is less in this hours) Zahid is now confident of saving for his future too. He knows that with his earnings he can increase his contribution to more on saving and enjoy better standard of life.