Thank you for sharing your journey so far. It's true that fear and lack of knowledge can hold us back from improving our financial situation.

For me, saving money on a monthly basis was life-changing. I started with a very small amount and committed myself to saving that amount each month for a year. I have gradually increased the amount I save and it is now a habit.

I read Rich Dad Poor Dad many years ago but I don't think I was in the right place to receive its messages then. Your article has inspired me to re-read it!

All the best with moving forward with your financial goals,

Roz