To be honest with you, I didn't know how to manage money. There were thousands in my life I let fly with the wrong hands. I was extravagant before I joined in a forum. It's the forum site RIF that taught me the value of frugality, to limit spending, to build an asset, to invest more and manage a business. I am so thankful to have joined in a forum site first time but contributed much to what I have now a small business yet profitable, so I am now wise with my money.