The value of strategic planning and self-discipline are points that most Ugandans have delegated to some category of people, yet we all need these qualities at all times. There are things we learn in school while others are out of common sense. We need to keep in mind that without self-discipline, self-motivation, a culture of financial saving and strategic planning; then we are in for a rude shock. Some of us never thought that one day we could find ourselves living in bad days almost every day.   Were most of us prepared to face these bad day? The answer…