I purchased your book, The Automatic Millionaire, recently and hope to finish it tonight. Actually, I am so excited. I have always been good with my money, but after my divorce a few years ago, the job of managing my money became ALL MINE, and I am having fun watching my money grow.

I know what you mean about the coffee’s, lunches, lottery tickets etc, all adding up. I never got into those habits so for me, I have to look a bit further as to where I can cut back. I spend money in the dollar stores, but in the long run, I really save a lot there, especially on the 50 cent greeting cards. As far as clothes, I am in desperate need of new ones, and I make excuses NOT to spend the money and try to revamp new outfits by changing the “tops” with the same black “slacks”.

I have created a decent portfolio for myself, something I never had before. I have mutual funds, laddered CD’s, a few money markets for the emergency fund, 8 months of living expenses, own my own home with no mortgage, recently started Vanguard Funds, no load, unlike my American Funds, and have IRA’s for the past 5 years…..so I have come a long way and I am proud of myself. I am currently automatically investing in the Vanguard Fund out of money I recently inherited, hopefully dollar cost averaging. Thanks…hope I win a mug!!!