I email you from Bermuda, my home. After I saw “Oprah” on tv a month ago, I bought and read “The Automatic Millionaire”. My Latte Factor Challenge showed I was spending $148.95 a day because Bermuda has a high cost of living. I recorded my spending money on my small pocket calender every day for 7 days, plus I wrote down my husband’s spending weekly. I figured out a budget to keep in my mind – for example my hairdo will be 4 times a year ($87 with treatment) and massages (that I love) will be 3 times a year ($78 with full massage). I promise myself if I use my local credit card, I will limit it to less than $250 a month. I have another credit card for travel and I still auto deposit $100 monthly in a US savings account.

I will receive your other book “Smart Woman Finish Rich” from my mother-in-law in Florida and I’ll think about “Smart Couples Finish Rich” later. I emailed both of my sisters about the books by David Bach. I hope they will read them soon.

Thanks lots,