It is soon coming to the 4th year of this blog's existence. Through writing about financial topics, I learnt a lot in the process too. I also read from other blogs and learn from people who have manage to changed their financial situation totally. These 3 years plus has been a wonderful journey, meeting new friends and bloggers who make this journey a better one. We celebrate each other life journey from marriage to having kids, its really a whole community of friends from online to offline. Worrying about life? Through blogging, I also receive several emails from readers who are in tough situations. Many want to seek out solutions to change their financial situation. Most do not know what to do and just want to see light at the end of the tunnel. Finally, there are people who are afraid of their future and worried that they would not ......