As September is drawing to a close I sit back and wonder how fast will it feel before we celebrate 2014? I didn’t care much for how 2013 turned out so far but I suppose there is still hope that the last quarter would make up for it. Speaking of which, I came upon something, a discovery if you may, when I was talking to a “friend” a few weeks back that got me pondering the matter of trying to save a bit of money from your income and the response I got from the friend, as if I had grown two heads and began spitting fire like a dragon, left me dumbfounded to say the least.  Read more »