Hello everyone, i am new to this forum. have been reading through this forum for the past few days and it was great! people here are all like minded and positive and are on their way to create their dreams....which is why i am here to join in with everyone! has been a bit of spender for the past yrs of my life (altho never in debt, but always mange to spend all the money that i earned ) and i think it's time to start to manage my wealth in a healthy and postive way. cheers!! ps: please forgive me if i ever asked stupid questions as i have never invest before and am starting to learn from the basics thankyou!!