In April 2007, Jill and Dave found themselves facing a dramatic change in their financial circumstance. Dave was having to undergo surgery and as a result was forced to step down from a well paid position and take a job with less pay. This caused a significant dent in their income and things started to become tight. Realisation set in that something needed to be done to get them back on track financially, and both Jill and Dave started scouring the internet for a new way to