I have voraciously devoured all your articles in the last 4 years. I'm glad to let you know that my lifestyle has changed tremendously these years although slowly but looking back to my life 4 years ago, I'm now in a better position especially regarding income expenditure savings goal setting and recording and tracking all my activities. I want to thank you so much for the work you are doing and I can confidently say that I'm ready to face the task of self employment as soon as my present contract ends in January 2017. Thanks again and God Bless you Sir for opening my blind eyes.