Hi Klong. Perhaps you'll share some information like age, profession, what area you're from [Klong sounds so Thai waterway travel]. Are you happy with your financial progress 2018? Any issue you'd like to know more about? What is your preferred budgeting/money management system? I'm trying to be more mindful of 'silly' spending for the remainder of the year. I'm annoyed at myself for how much has slipped by in small, mostly un noticeable increments.