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24/05/2023

To y'all Pro-Family people here is an opportunity to celebrate the African Family culture. Join the massive Uganda Martyrs Pilgrimage this June.

07/01/2021

HOW TO TURN 2020 DEFEAT INTO 2021 VICTORY
(3 minutes read)

I do appreciate how you feel about 2020. You think it was a total loss. You were wounded in so many ways in places you didn’t even expect. Here is the good news.

Did you know that failure if approached with a positive attitude improves your life? Consequently, the challenges of 2020 existed to advance your life. Let me show you how...

The scars of 2020 proved that you are a survivor. You are essentially a hero having survived all the hustle of 2020. Thumbs up for you and your God.

More so, you just joined the list of wise thinkers. Wise thinkers often have more references than the ordinary person to make better life choices. You have a wider range of choices of how to prevent the duplication of setbacks experienced in 2020. 2020 made you wiser.

Did you know you can earn from the challenges you faced in 2020? Just do this...
Make analysis of the 2020 setbacks. Find out what might have gone wrong, pick lessons, create solutions. Put a price to your solution and baaam, you have a business out of your wounds.

Your solution to others facing the same challenge will earn you both money and a good social reputation. That is how the rich create services from the challenges they once overcame. It’s time to join them. Honestly, it’s never easy but if we persist with a positive attitude, we definitely earn big money from our past mess.

Don’t lose focus of your life goals just because 2020 kicked you hard in the knee. Stay standing even on shaky legs. There is no top successful person who has never experienced a setback. What sets them apart from the rest is that they have learnt the art of bouncing back. Always they fight their way forward past the harsh tide seeking to push them back far away from their life dream.

Even if you encountered obstacles, opposition, rejection, discouragement, misfortune you can still get up and move on.
Here is a key...
Take time to critically devise means of how you can make a serious come back. Let it be a well calculated move that will leave a big impact to the shock of even your haters.

My friend take note of this. Don’t be tempted to join the crowd of people drowning in the pool of self-pity and excuses. Here majority sink unaware as they continue blaming their fate to Covid19, the government, their spouse, neighbor, their boss, China etc. This year run away from that pool! Don’t you know that you are the master of your fate? Hey, wake up!

You must be aware that amidst the 2020 chaos the rich grew richer. These are the kind that often leverage business opportunities in the wake of turmoil. They choose to pay a deaf ear to all kind of excuses. They mind their own business. In 2021 mind your own business. Have the courage to face your faults and have no excuse to hinder your success journey.

To hell with Mr. Excuse. We MUST live a successful life come what may!

This year 2021 see yourself as God's growing project. Did you know we evolve daily as any living thing on earth? We are never stagnant. Even if some people jubilated when we failed in 2020, we don’t have to lose hope. They thought that was the end of you. Forgive them for they don't know what they are doing!

Don’t take yourself for a failure. Don’t you know your setback was just a life stage orchestrated by God. Every setback in life is God’s plan to push you forward to a new life stage. Your haters don’t know this and you may also doubt it. But remember life is full of valleys and hills. It’s never a straight line.

2020 was simply life doing its thing. So, don’t be hard on yourself. Forgive them, forgive yourself and ask God to give you strength to move on. 2020 might have been your valley season however, expect better things in 2021 in Jesus Name. And all the believers say…?

In a nutshell, 2020 was a classroom for all of us young and old, rich and poor. We learnt a lot from Life College. I urge you to use your degree wisely this year. All the best.

Author: Ritah Mukisa
SUCCESS Talk Africa (STA)
[email protected]
(c) 2021

15/12/2020

COUNT DOWN
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08/12/2020

12/11/2020

I just finished reading this book, ' Rich Dad Poor Dad by Robert Kiyosaki. This is a powerful book for everyone who is tired of living in a rat race of going to work, pay bills, going to work, pay bills, going to work, pay bills......just a stupid cycle. I highly recommend it for you. I will be sharing what I have learned soon. Keep following and liking STA.
Questions to ponder
-Is the love of money the root of all evil or the lack of money?
-Do you always say , ' I can afford it, ' or I cant afford it?
- Is there a difference between being poor and being broke?
- Are you working for money or money is working for you?
- Are you a slave to money or its master?
- Are you studying to get a job or to create a job?
- If you stopped working how many days/ months will your wallet survive the poverty scare?
- Is it your boss, the government or your parents taking care of your financial needs? If yes when will you grow up?
-Are you so fearful that you reject money pretending its evil?

05/10/2020

BOOK REVIEW OF ‘THINK AND GROW RICH’
Below are 50 crucial points I learnt from the book, Think and Grow Rich by Napoleon Hill (2004). This book contains success philosophies proven after 25 years of research by the author. Your life will not remain the same, promise!
1. The WILL POWER makes every human being a superhero.
2. In everyone is a seed of greatness that needs to be cultivated.
3. Success is state of mind. A person who always succeeds is the person who thinks he can.
4. All riches begin with a thought. If you can THINK then you can become RICH. But how? You must become MONEY CONSCIOUS.
5. To become money conscious, you need to stimulate and challenge your mind through consistent auto-suggestion.
6. Through auto-suggestion (reading aloud your life purpose statement daily) thoughts enter the sub-conscious mind. Your mind after being convinced will draw from the creative mind plans to achieve that money.
7. To convince your mind you need to have a strong DESIRE for money. On top of DESIRE you must have strong FAITH to achieve that money.
8. See yourself already in possession of that money rendering the service you require the money for. Demand life of that money and it will give it.
9. The way of success is the way of CONTINOUS MIND DEVELOPMENT. Develop your mind through pursuit of new knowledge at whatever level or age from any available source.
10. You don’t need to know everything. Get special knowledge in that desired field and surround yourself with people who know what you don’t know. Attach a price to that knowledge so you will highly value it.
11. From accumulated knowledge you will be get a spark of IDEAS. An idea is often the start of every great fortune. Value it and guard it.
12. Imagine that idea already in existence. MAN CAN CREATE ANYTHING HE CAN IMAGINE. Be assured as long as you have imagined it you can achieve it.
13. Your imagination can come from your life experiences, education or environment. But your imagination can also come from infinite intelligence once your subconscious connects to it.
14. All new ideas known to man come from the INFINITE INTELLLIGENCE. This is the creative faculty of the mind. You can draw from infinite intelligence by expanding your imagination to impossibilities.
15. Imagination helps you figure out plans to transform your desire/idea into money. So, expand it. Ask yourself; What would I do if I has 20,000,000,000 Uganda shillings?
16. Write down the imagination and make a definite plan with a definite decision to achieve it. Don’t wait to get every detail. Start with what you have.
17. Don’t plan alone. Surround yourself with a MASTER MIND GROUP. These are people who believe in you and your idea.
18. If that plan doesn’t work keep replacing it until you finally get a plan that works. This may mean making tens, hundreds or thousands of plans but don’t stop until you find the right plan.
19. The persistent mindset knows no boundaries. It can accomplish anything. It cannot fail.
20. Treat failure as temporary defeat directing you to the best plan.
21. Why do people fail?
CAUSES OF FAILURE IN LIFE
a) Lack of self-discipline
b) Ill-health
c) Procrastination
d) A strong desire for ‘something for nothing.’
e) Indecisiveness
f) Wrong selection of a mate
g) Unfavorable childhood environment
h) Wrong selection of business associates
i) Belief in superstition and prejudice
j) Wrong job selection
k) Lack of a defined life purpose
l) Over-caution (don’t like to take chances)
m) Lack of persistence
n) Uncontrolled s*xual urge
o) Overspending
p) Unable to relate well with others
q) Possession of power that was not achieved through self-effort
22. ANALYSE YOURSELF and find out what is hindering your success. Plan to overcome that weakness starting today.
23. If you want to succeed at anything you must master the habit of MAKING DEFINATE DECISIONS. You should be quick at making decisions and slow at changing them until they deliver.
24. Learn to reach your own decision avoiding the influence of others. Remember this is your life so use your brain.
25. NEVER GIVE UP in the face of opposition or misfortune even if it means standing by the decision alone. If it’s right, do it.
26. YOU HAVE A RIGHT TO LIVE YOUR OWN LIFE according to your own decisions. Aim for self-reliance but with obligation not to hinder the rights of other people.
27. As emphasis you must not do anything alone. Your decisions must be checked by a team of people who support you. You need to have organized knowledge and effort to translate your ideas into a monetary equivalent. You may need 2 or more people to work with. This is what we call a master mind.
28. The other big benefit of a master mind is that you will attract a third invisible mind once you set your minds together.
29. No two minds ever come together without an invisible force joining them. SORROUND YOURSELF WITH PEOPLE WITH SHAPR BRAINS so your energy combined with be a great force.
30. The unity of brains draws from the power of the infinite intelligence. That is why people with a spirit of unity and harmony set for a definite purpose always win.
31. BEHIND EVERY SUCCESSFUL MAN IS A WOMAN. A charming woman can be a source of inspiration for a man to trigger the creative mind. Man’s most motivating force is his desire to please a woman.
32. Let every woman know that S*X ENERY IS CREATIVE ENERGY FOR MEN. When a woman deprives a man s*x, she shuts him outside the world record of the genius.
33. Every man has to view s*x energy as an added advantage that stimulates him to make definite decisions and do great things. Too bad most men learn to master this energy after the age of 40. That is why most men before 40 are just a nuisance.
34. S*x transmutation is to divert the s*x energy from a desire for physical expression to doing another beneficial activity. So, it’s okay to be highly s*xed if you know how to master it and divert that energy to act as a stimulus. You are not cursed.
35. DON’T ALLOW UNCONTROLLED S*XUAL URGE TO TAKE YOU TO THE PIT. You can control high s*xual urge with a blend of love from a woman who believes in you. Settle your mind on one woman who truly loves you so you are able to use the s*x urge for other creative purposes.
36) MAKE USE OF THE SIX SENSE. Human beings receive accurate perfect knowledge from sources other than the physical senses. There is no organ for a six sense yet it exists. It can be called a unique revelation or a still small voice that speaks from within often when one has an intense desire.
37) Any emotion that brings the heart to beat at a rare faster rate stimulates the six sense to action.
38) Sit alone and activate your subconscious using any of these stimuli- LOVE, S*X, FAITH, DESIRE, MUSIC, FRIENDSHIP, HOPE stimulate you. Wait to hear instructions from within. Train your inner self to communicate to you through practice of hearing from the six sense. It takes persistence.
39) Your subconscious better understands the language of emotions. For example; Desire, faith, love, s*x, enthusiasm, romance, hope. These stimulate creativity. But the emotions of hatred, jealousy, fear, revenge, grief, anger, superstition kill creativity. Avoid them.
40) Whatever dominates your mind acts as raw material for what is later produced physically. You may voluntarily plan in your subconscious any positive plan, desire or purpose which will later be manifest physically in monetary terms. So, YOU ARE THE MASTER OF YOUR FATE.
41) You must know that every thought you have vibrates to others. If for example you have negative emotions, they will be released to others. You will get a negative personality causing people to repel you and become antagonistic.
42) When you pray you can connect your subconscious with positive emotions. Your subconscious will speak a language that your infinite intelligence understands, intense emotions. As a result, you can reproduce whatever you asked physically.
43) If your mission is to gain a successful life you need to AVOID THE SIX GHOSTS OF FEAR. The six sense cannot function if they remain in your mind.
a) The fear of poverty
b) Fear of death
c) Fear of old age
d) Fear of loss of someone
e) Fear of criticism
f) Fear of ill-health
44) WHAT YOU FEAR YOU ATTRACT. Some people get sick due to what they imagine (imaginary illness) Get rid of fear right now. Get rid of the fear of poverty by making plans and deciding to get wealth. Overcome fear of old age by viewing the year of 40-60 as the most rewarding golden age of great wisdom and understanding. Overcome critics by accepting you have a mind of your own and are capable of making good judgement. Accept death as an avoidable necessity and enjoy life.
45) To achieve success, you have to have a peace of mind. A disturbed mind cannot be creative. Nothing is worth taking you off the path of success by causing you to worry. BE PEACEFUL AND YOU WILL CONQUER EMPIRES.
46) By now you are aware that you are capable of living the standard of life you want. You have every reason to be successful since you have a mind. You can control your destiny by controlling your mind. Your mind is the engine. Turn it to the right direction.
47) GET RID OF NEGATIVE INFLUENCES if you want to accumulate great riches. Surround yourself with people who encourage you to use your own mind to make decisions and act upon them successfully. Human beings have a will-power. Whoever dominates your will power has denied you your RIGHT THAT DEFINES YOU AS A HUMAN BEING.
48) To protect yourself against negative influence you need to have thorough self-analysis of who you are and what you stand for. If you have no vision others will give you their vision and pay you to fulfil it to your disadvantage.
49) Get rid of the ‘ifs’ and go out to achieve your life destiny today.
50) ANYTHING YOUR MIND CAN CONCEIVE AND BELIEVE IS ACHIEABLE. If you fail you have no body to blame but yourself.

Reviewed by Ritah Mukisa Muyanja,
October 2020
Kampala-Uganda
.

12/08/2020

LESSONS LEARNED IN COVID19.
Take 4: POLITICAL ASSESSMENT
Government Leaders tested and shaken

President Donald Trump has sometimes called COVID19 ‘China Virus’. Have you ever wondered why?

Presented Trump’s tweets have often blamed the Chinese government for its slow response to the spread of Covid19. He believes this is evidence enough to blame China for the prevailing COVID19 outbreak. But how true is this? Could it be that China delayed to respond to the crisis because of a hidden political agenda?

There are not many answers to that question at the moment. However, as events unfold we see a wave of power struggle globally. There is a battle on who could find the vaccine first, how could it be accessed, who is able to contain the virus first, whose economy could survive the coronavirus outbreak, which leader could respond to the pandemic best, which policies could act as a global model, who can supply the best medical equipment, etc.

It’s quite early to predict who could win this battle. Some political analysts however have been skeptical about the position of USA after COVID19. This super power for years has been the role model for its strong national economy and public health. Today this is a different story.

Evidently, the pandemic has severely exposed loopholes in US leadership. The top public officials may have done a great job. Nonetheless, views especially from the Democratic party in the US show that President Trump has lacked good judgment and courageous leadership in his response to the pandemic.
Because of this President Trump has received criticism from all sides including the former USA president Barack Obama. At one time Obama blamed the death of over 90,000 Americans to the poor leadership of President Donald Trump in a tweet.

In a heat of insults President Donald Trump has not gone to the backdoor in surrender. He instead has turned his blame on the World Health Organization. For him the pandemic would be better handled if the WHO had not been a puppet of China. So, Trump reasoned that withdrawing US funding from WHO was the best option. On the contrary the European Union didn’t think this was called for. The EU believes now is time for a unified combat against the coronavirus and not pulling ropes.

Meanwhile, as the US and other western countries have been busy entangled political related coronavirus battles nations like China have been slowly gaining stamina. China, the nation that once was depicted as the ‘devil’s bedroom’ due to its autocratic tendencies, now has certain democratic nations running to it for medical supplies. There is no doubt several nations copied China’s lockdown model to combat the spread of the virus. China has proved it can lead the world somehow. Those who can read between the lines know what this means for US.

Back to Uganda. The political scene during the coronavirus outbreak has not changed a lot. It is still President Yoweri Museveni versus the opposition party leadership. What has been unique though is that jajja Museveni, as known in the country, has had a showcase of true courageous leadership.

For about three months only what jajja Museveni spoke mattered. It counted so much that the country looked forward to the weekly presidential address like it was an address from the pope. It was like jajja held the key to the lives of all Ugandans. When he said ‘you are still locked’, they would sorrow, when he said ‘you are opened’, they would jubilate. What does that have to mean in terms of leadership?

A leader who commands total loyalty is hard to come by. Of course, the opposition leaders would disagree with me on this. But behind closed doors an intellectual political analyst can admit that the guy proved a point during the coronavirus lockdown.

Apart from exposing the leadership skills of Museveni, the coronavirus pandemic has clearly exposed the power of the government. The lock down proved that the government has the power and authority to put the entire nation at standstill.

Can you imagine by one presidential decree all Kampala city energy dropped to zero? No more bars, no major sports events, no major entertainment events, no business, no church, no schools, no nothing. Not until last month even the opposition was somehow silenced in amazement. This is sobering to the voter!

Now that you know how much power a president and the government hold to whom can you entrust it to? The person you plan to elect to these positions is he or she ready to handle such enormous power? Just imagine the candidate you want to elect was the president of Uganda from March 2020 to August 11, 2020, what state would Uganda be like?

Martin Luther King Jr once said, ‘the ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.’

Covid19 has clearly exposed and separated true men from boys (ayawudde abalenzi kubasajja). Now vote wisely.

05/08/2020

LESSONS LEARNED IN COVID19.
Take 3: BUSINESS ASSESSEMENT
You lost your job, what next?

In April this year I saw a headline in the New York Times, ‘Unemployment claims above 36 million in Coronavirus pandemic.’ The BCC then depicted US unemployment rise to 14.7% with 20.5 million jobs lost just that month.

This unemployment problem has not only been common to US but it has been global. Nations have been so overwhelmed with masses of unemployed people. Some have had to battle in meetings whether to retain or scrap off unemployment benefits something that was once a citizen privilege. Acknowledging the fact that a job is anything you do to earn a living, lets analyze the current job loss situation.

As you have witnessed nations locked down their economies to avoid the risk of high Coronavirus infections. It was proved that when people socialized less then coronavirus deaths would be minimal. Therefore at government command people left their jobs unwillingly hoping to return just after a few days. To their surprise days became weeks and weeks became months. What started as a joke turned out to be a nightmare!

The disturbing question to national leaders worldwide is that no one including strong nations like US had any idea when the lockdown would be suitable to open. Leaders sat in boardrooms perplexed! Would a nation risk losing its citizens to save a failing economy? What if the economy was reopened and people died twice more? It was frightening!

If it had not been the pressure from masses some economies would up to now be locked. Thank God by the writing of this article most economies worldwide including Uganda have reopened. People (though not all) are finally back to work.

Unfortunately, business and the workplace are not operating as they normally did. Consequently, most employers have no money to pay their employees. CEOs have had no choice but to downsize. Employees who retained their jobs have had to work on condition they accept a lower pay.

More to that the work place has new costly demands. The Covid19 guidelines stress the need for social distancing to at least a distance of 2meters between customers. That means the customers rate is twice lesser than before. So why have more workers when the customers are less and buying less?

Its certain that the coronavirus has had people regret their choices. Was is it simply bad luck or poor choice of jobs, some wonder! I would say there is no bad job as long as whatever you do is legally acceptable and can earn you a living. There is still hope if we accept to adapt to the prevailing life demands.

The coronavirus pandemic has challenged us to always think out of the box. Think out of the box. Become multipurposed and multiskilled. Like my mentor Bishop Sebuchu Elijah always says,’ Have a primary job and a secondary job if you want to succeed. Your primary job can never meet all you need.’

Let’s rethink our job choices. In this instance it’s high time we chose jobs that are pandemic-proof. We need jobs that can adapt to the new social life, workplace and business demands since we are not so sure when the virus will end.

By now we know the kind of jobs that have thrived the pandemic. For example, jobs in the service industry are proving so essential and resilience. You may venture more in logistics, delivery, transport, media, customer service, health care, telecommunication industry, online shopping business, online networking etc. You may need to take on new skills or make a tough decision of letting go of your white color job to a lower pay job that can survive the pandemic.

All in all even though you are desperate don’t neglect your long term professional and financial goals. Don’t neglect your life dreams. Don’t put your career under the carpet.

I believe this is just temporary. Keep the future in mind. Like Myles Munroe advised never make a permanent decision to a temporary problem. After 10 years would you be proud you made the decision to take on that job? That’s a question to ponder.

03/07/2020

SUCCESS FM COMPETITION ANALYSIS - Survey Tools

23/06/2020

19/05/2020

LOCK-DOWN OR UP OR SIDEWAYS YOU WILL ALWAYS WIN!

Lockdown is a new term found on everyone's lips nowdays. It started as a joking subject but now its a word to detest. From 14 days, 21 days, back to 14, again 14, to 21 days extension, when will this ugly song end?

How did we come this far? Is this a dream? Is it a movie? We are at a time in history where news updates daily inform us of one economy after another crumbling. A moment in time where people struggle not sure where their next pay check will come from. Its worse for those who have always lived a hand to mouth lifestyle. They cry in despair!

Daily the saucepans shout louder. Children compete for food. Parents argue over the last crystal of sugar.Domestic violence is ever rising. Who can save the situation? Is it Jesus Christ? He seems so far. Is it the government? Government seems so greedy to care. Then who cares that we are dying! Is it my extended family in the village? But they too are overburden.

What happens next? At least if we saw a glimpse of hope we would be stronger. Is this ending on June 30th like rumours say? What if it ends of 31st December 2020? Will I be alive? But what about if it lasts longer than ever imagined!. Are we getting a new normal or its the end of the world? Someone please explain.

Motivational speakers and pastors have discouraged us from thinking negatively. Unfortunately most people have no more good thoughts. There is very little to encourage us. Very little to do to burn stress (with the exception of social media). If the mind cannot comfort us then who can? Who can wake me up from this nightmare?

Friend, wake up. This is not a dream. This is reality. This is 2020. Did your mother teach you the art of endurance? Did your professor teach you how to adjust to life problems?Did he tell you that life is about solving problems? Or did you pastor teach you how to have faith in God? Good! Oli mu class!

Now is the time to dig deep down your bag and pull out all those weapons and use them. Clean your tears away and blow that fear in the face. Face life like Mike Tyson would face his most dangerous opponent. Or face it as Jesus Christ faced that devil down in hell. Yes you will win. If He won, so you can.

Hold on and do not give up.

26/01/2020

"Today's accomplishments were yesterday's impossibilities." -- Robert H. Schuller
The Bible says there is nothing new on earth. That everything you see was once invisible. God saw the world and spoke it into existence.
I bet you also spoke a few things to happen in 2020 on 31st December 2019. By now the vigor we had that night for most of us has worn out. The reality of January demands makes you wonder if you were just on wasting your oxygen when you said those Kirimanjaro breaking prayers. So you have lost faith. Its understandable. No one is blaming you.

But look here Friend! Don't look at the narrow hole on that wall. REMEMBER THIS-The wall of your 2020 is packed with trophies so many you cant count them. You just need to reach out. Have you forgotten you have 11 more months more. You can still achieve it. What? Am glad you asked! That. That thing you so badly want to achieve this year. Yes its possible.

Look, Roberth H Schuller has nailed it up there. He has said what you see as achievements today, yesterday were impossibilities. At one time getting married seemed like a far off dream for me. Today am Mrs Muyanja. Getting a masters degree abroad was another dream on mars, today i got it. Building a house seems so impractical , but........hhhmm!!!!!? Watch that space!

Is there any difficult mountain before you? Is it so steep? If you keep keepin on it shall be a walk over in December 2020. You shall be at the top. So stay on course. YOU DEFINATELY WILL MAKE IT. In Jesus Name. AMEN.

02/01/2020

Business Life Cycle - Understanding the 5 Different Stages

Business Life Cycle - Understanding the 5 Different Stages

The business life cycle is the progression of a business and its phases over time, and is most commonly divided into five stages: launch, growth, shake-out, maturity, and decline. The cycle is shown on a graph with the horizontal axis as time, and the vertical axis as dollars or various financial me...

11/12/2019

SMILE WITH RITAH

As 2020 approaches I wonder, what next?
2019 may seem like you hit rock bottom but if you still have the word...NEXT as part of your vocabulary deep down your soul you know you will rise up.
NEXT....! Its not over until its over!

23/09/2019

Android fans warned again - delete these popular Google Play Store apps NOW

Warning ⛔⛔

ANDROID fans have been warned to delete two popular Google Play Store apps that are ridden with harmful adware and could record audio without user consent, a new report has claimed.

21/09/2019

SMILE WITH RITAH

YOU ARE A MILLIONAIRE BUT A CARELESS ONE!
I have learnt something tough lately. Every time I spend on something am simply giving my millions away. You will ask Ritah, are you a millionaire? Yes Am.

Check this out! If you sat down and calculated the amount of money you have spent in the last 7 years how much would it accumulate to? You see! You are also a millionaire. Then you ask,' But i do not see the millions. Where are the millions?'
You threw them away. You threw them away in someone else's pocket with your careless spending habits.

You are millionaire but a careless one. You have not valued your money. So it run away to those who valued it. Money is a servant. It serves anyone willing to manage it. The one who manages it has mastered its purpose and value. If you fail to manage it , money will run away. FACT AND TRUTH!

Ooops! I just offended someone!

Open your eyes welo welo, all the businesses around are positioned to take money from your pocket. How much have you given out so far today? They become richer as you go home empty. The same happens the next day, and this goes on and on. Am not saying buy nothing but spend wisely.

I have began guarding my millions with precaution. Will you join me. Spend less, Save More and Invest More.