Uganda, May 4 -- Dr Charles Barugahare, the author of the path-breaking book The 9-pillars to Exploit your Potential, is an expert on personal finance and retirement planning.

In his latest book, Navigating the Financial Path: The 30-Day Personal Finance Improvement Challenge, he offers the reader rich insights on financial discipline that are just what the doctor ordered, pun unintended.

"Are you ready to make improvements in your financial life? What does it mean and require to make the desired changes?" he asks.

If, like one third of humankind, as noted by the author, you are often thrown into bouts of puzzlement regarding how to foreshorten the inevitability of your expenses rising to reflect your income; pull up a chair and stay a...