But first, a little bit about me!

Hello.

My name is Richard Staveley. I am a retired computer programmer living near Ilkley in West Yorkshire, near the River Wharfe (hence my nickname, Wharfeside!).

When I retired I decided to generate my own income rather than working for someone else. To this end, I signed up to a variety of what looked like lucrative income generation programs, for which I spent large amounts of money that I could barely afford, but which promised to make me, if not rich, at least comfortably off.

The result?

Nothing! Zilch! Apart from considerable debts!

That is, until I discovered a new approach. This didn’t involve parting with large amounts of money (in fact, any money at all), but it did and still does involve a daily work routine which aims to create small amounts of cash and then use these to generate more.