Where do I spend my time? Where do I spend my money? The choices that determine at the end of the day, whether we reap the finer things in life or failure.

It takes confidence to make decisions, and we are the most confident about the things that we know the most about. That's why we keep doing the same things, because we feel comfortable doing them.

Doing something over and over and expecting different results is called futility.

Many people in the UK are experiencing this feeling as a direct result of investing in the same old things, not because it is right or wrong, just because it is comfortable.

Emerson said, "What I need most is someone to force me to be as good as I'm capable of being". Many people are being forced to look outside the UK for alternatives for increasing their financial net worth, because the opportunities here are frankly dismal and getting worse.

Everywhere you look, pensions, stock market, buy to let property in the UK the soaring cost of living.

I read or heard somewhere, that if you take a frog and put it in a pan of boiling water, that it will jump right back out. If you put a frog in a pan of cold water, put it on the cooker and turn up the heat, it will sit there and cook.

That's what's happening to those living in the UK; we are sitting in the pot simmering.

If in 1980, someone outlined to you, the circumstances with which we are experiencing in the UK in 2008 you would no doubt said, "IMPOSSIBLE". "The cost of living is what?"" Immigration?" "Taxes?" "Hospitals?" "Dentists?" "Council taxes?" "Bin collections"" Petrol?" "Schools?" "Referendum?"Crime?"NHS? British Rail? Delays on the M..?

Our quality of life keeps shrinking and the cost of living here is rising by the day.

The Mental Health Foundation recently released the results of its survey saying that 1 in 3 of us has a friend or relative that can't control their temper. No matter how justified the anger is we are paying a price with our health. Intense and chronic anger has also been linked to heart disease, cancer,strokes, depression and even frequent colds and bouts of flu.

Property prices in the UK at €18,000 per square meter are second only to Monaco at €24,000 per square meter are the most expensive in the world.

Out of the 241 countries in the world the UK's population density of over 240 people per square kilometer ranks us among the top 20% of the world's highest most densely populated.

It's no secret to those of us living here at the overall cost of living is skyrocketing. London is the second most expensive city in the world to live in.

So where are all of us headed?

What choices do we have? The key to our success is to anticipate what is going to happen.

Wayne Gretzky the greatest ice hockey player of all time was asked. "Wayne you are not the biggest, you not the fastest, you not the strongest, and yet you are considered the "greatest" hockey player of all time. How did you do it?

"The players that I skate against" he said," skate where the puck is, I skate where the puck is going."

Anticipation is the key to success when making investments. It doesn't take a genius to figure out that people are going to get fed up with constantly being squeezed for every penny they earn, while their quality of life keep shrinking. Something is going to happen and it will be sooner rather than later. They will look for alternatives for a better way of life. Whereas ,Spain and France have been the main option for those wishing to jump out of the pot the new kid on the block is Bulgaria.

Bordered by Greece and Turkey the climate is much better than the UK and the value for money is the best in the world.

One area of investment that you should consider is on the Black Sea.

The BBC recently published an article stating that property prices increased by 30% in 2007. Bulgaria offers a great quality of life, wonderful natural resources and the cost of living is a fraction of what it is hear and always will be. Why? Because it is not overburdened with a social system that allows for people to get paid without having to work. Bulgarians work very hard and deserve to be successful having joined the EU in 2007.

Property in Bulgaria