I have a confession to make - several confessions in fact.

I have at times been stupid enough to believe that work is not necessary to make money or achieve success.

A few years ago I joined a network marketing company that promised to create a down line of buying customers for me without any work on my part. I would of course have to pay a monthly fee myself. I was happy to do this.

However, after more than a year, no down line had appeared and the company was not doing well. Nothing had happened as promised even though they seemed to be lovely people who meant well.

Reluctantly I ended my membership. I was not alone in losing all the money I had spent on this enterprise. I also paid for health products which ended up being poured down the plug hole.

In the last 5 years I have wasted at least