The secrets we already know.

Many of the things I tell you on this blog are obvious. It is no less valuable as a result.

#londongentleman the fun here is seeing how many people one can recognise.

A photo posted by Richard Ford (@richard.ford) on Jan 31, 2016 at 5:27am PST

The first photograph is a coffee shop. The second is a mural in SoHo. The man with the book is Marx.

We cannot become rich if our outgoings exceed our income. If we cannot increase our income we must reduce our outgoings.

Obvious, right?

Do you have a budget?