I am a big believer in your books – thanks for all of your help! I was very happy to have had the opportunity to hear you speak this week in Toronto – hearing you in person certainly added to my motivation!

I have always thought that “The Latte Factor” made a lot of sense! I could never understand how people could fork out so much money for a mediocre cup of coffee! However, as I do not buy coffee out, I bring my lunch to work every day, I don’t own a car, and I don’t smoke, I wasn’t sure where I would be able to cut back! I am already so good!

When I followed your advice and wrote down what I spent in a week, I realized that I am not as frugal as I thought! I was surprised to see how much of my spending followed my whims and how I looked at small purchases as rewards or used them to alleviate boredom. I resolved to stop this kind of shopping, and do something more meaningful. Instead of heading off to the mall for something I don’t need, I read a book, go to the gym, and I have signed up for some classes. The money that I wasted before now goes in to my RRSP. Thanks for your good advice.