Mr. Dickens while a VERY successful author and highly paid public speaker...was plagued by debt and hounded by creditors.

He succinctly sums up the key to financial success:

"Annual income twenty pounds, annual expenditure nineteen six, result happiness.

Annula income twenty pounds, annual expenditure twenty pound ought and six, result misery."

Sincerely,
Gargoyle


― Charles Dickens, David Copperfield