One more thing, would you mind contributing to the thread "How did you make your first million Kshs?" I think it's bound to be an insightful one. Please don't mind my questions, I think they are getting to be quite many. Regards.

@ Marty, This is one of teh most informative post i have seen since i joined Wazua. Please keep up the good work. Am greatly interested in the material mumo04@yahoo.com. Keep us with the spirit.

Went through a financial awareness class 5 years ago. This I what I learnt. You are living beyond your means if the following applies to you 1. If your rent is more than 15% of your income 2. If you are living on more than. 60% of your income 3. If you are not tithing. 4. If you don't have safe net which should be equivalent to 6 months of your monthly income 5. If you have no Money going into long term investment (equivalent to 10-15% of income) 6. If you have more than 15% of your income going to pay some debt. I always wonder how many of my friends with flashy cars are living within their means.

@Marty send at en.billy@ gmail.com. You are doing good work.

Important points you raise and am sure they'll be mentioned as we move on with our lessons. We are all learning together and we encourage guys to contribute & critic with facts the info herein so that we all understand. I hope we are touching lives in a small / big way.