Why haven't you developed a single Mobile App yet?

Are you interested but have never gotten the courage to take the chance or have tried but upbeat by the long learning curve?
First of all, Rome wasn’t built in a day, so you are not to blame. I personally love to create solutions for myself and the other people around me.
I utilize the skills I have to create the solutions. Take for example, by having a HTML, CSS and PHP skills, I’m able to run a web agency which also gives printing and graphics design services. At this agency, I work as the operations manager and leader of the digital department.
Due to business dynamics, there is need to learn a new skill to strengthen my personal portfolio as well as that of the company.
What comes to my mind is developing mobile apps which can solve real life problems. For this I will concentrate on developing Android apps not Windows and iOS, due to my target consumers. Since am not a fan of Java, I chose to go Hybrid way because at least I wouldn’t have to learn a lot, I will port my HTML, CSS, PHP and SQL knowledge to reach my target. Additionally, I would have a chance of compiling my mobile app code, for other platforms as well we grow without investing money for another developer yet the client’s budget is too low.
Recently I posted about setting up the Android Hybrid App development environment article, to let you know how practically it’s easy to get started.
Right now, am creating my own App, which will be used for personal finance book keeping, with features such as automatic notification  a few days towards loan date expiry, loan amortization and so much more as time may allow. I hope to an api and remote storage in the cloud, in future to be able to attract more people to use it.
I think by now, I would have completed developing the app but looking at available resources, couldn’t manage learning one.
Listen I have set 10 days, of researching and studying about JQM. In a few days, I have been able to develop the login and logout screens.