I was allowed to borrow a friend’s edition of Smart Women Finsh Rich (for Canadians) back in September. It SO motivated me that I read it in a week, made pages of notes (as I had to return the book), and made an appointment at my bank the following week. I got rid of two of my three credit cards and kept the one with the lowest interest rate for car emergencies and lowered the available credit from $3500 to $1000. I consolidated the other credit card balances (totalling almost $10,000) by moving them into my personal Credit Line at less than half the interest rate of the credit cards. I arranged to make automatic payments on the credit line every week so that it is paid off in three years. I am routinely monitoring my money so that I can figure out just how much I can put into RRSP’s, etc., starting in November. I left the month of October open so I could see where I was wasting my money on “latte”. I transfer money into a separate account (paying myself first) each pay-day and I am committed to watching my impulse spending like a hawk. So far, I am feeling much more in control of my money and I can actually see growth in my savings account balance for the first time in years!

Well, thanks again for writing such informative and easy-to-understand books for the average person! You’ve changed my life and hopefully, I can now work on changing it for myself for a more comfortable future!

Yours truly,