The Circle of Life -- The Zodiac Signs and the New Moon's Journey
By
Rebecca Brents
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The Five Things We Cannot Change: And the Happiness We Find by Embracing Them
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Steps to Becoming a Millionaire
by Philip E. Humbert, PhD.There is perhaps no more important decision than to take charge of your own financial future. We live in a world of opportunity, and yet most Americans are buried in credit card and other debt.
We are surrounded by people who are getting rich, but most of us are running in place. If you can read this, you are literate, have a computer, you are part of the "wired generation". You can become as financially independent as you wish to be. Here are the Top 10 keys to your financial success:
Decide to be financially successful. This is different than wishing, hoping, wanting or even desiring to be rich. Make a commitment that this is going to happen! Financial independence is not an accident or matter of luck, and it usually requires some inconvenience. Have you decided to achieve this goal?
Understand how money works. Most of never studied finance or investing in school. Most of were never even taught to balance a checkbook! To master anything, you have to understand it. Read. Study what successful people do. Take classes.
Master your relationship with money. Some of us spend for excitement, to show off, to prove we can. Some of us are addicted to spending, and some of us are just careless about it. Whatever your relationship with money, understand it and develop a relationship of respect, appreciation and gratitude. Use your money, rather than allowing it to run your life.
Set specific goals. They should be challenging, but not unbelievable, just out of reach but not out of sight. Challenge yourself to be out of debt by a specific date. Make a commitment to saving an exact amount each month.
Develop a budget. A budget is a set of dreams and aspirations. It's how you really, really want to use money to benefit your family and run your life. Budget to buy the things you really want, and to eliminate the "impulses", the toys that waste too much of our income. A budget is a map to your destination. Have one and use it!
Reduce spending. Yes, this comes after making a budget, because when you begin getting control of your money (rather than the other way around) you have powerful new reasons to reduce expenses. Most self-made millionaires live far below their means! You should to.
Begin investing. Most of us spend or speculate. Both are roads to disaster! Invest in things you understand. Invest cautiously, wisely, and regularly. The objective is not to "make a killing", but to get rich over time. Know and obey the distinction between gambling, and putting your money to work for you.
Increase assets. Most people try to increase their income, and that's a mistake. Making more money means paying more taxes. It takes time and hard work. And, when wealth arrives in the form of cash, it's easier to spend. Millionaires buy stocks and buildings, they invest in assets that will make them rich " and that are hard to spend on a whim!
Reduce taxes. Most Americans pay more in taxes than for food, clothing and shelter combined! It is your largest expense! The poor and middle class don't realize how much they pay because it's deducted from their pay check.
The wealthy know there are legal and appropriate ways to shelter income, to invest in socially-responsible ways, and that the tax code encourages this. Learn the tax laws and use them for your benefit! (Yes, it's the most boring reading you'll ever do, and worth it!)
Use your wealth wisely. Someone once said, "The reason most of us aren't rich is that we'd spend it all on ourselves." Give. Share. Help others. When you use money to make a difference, to have a positive impact, you get the chance to do more. Being greedy and selfish will not draw money to you. Investing in your community, will!
To begin your education about money and becoming a millionaire, I highly recommend several books on the subject. Two of the best are: "The Millionaire Next Door" by Thomas Stanley and William Danko, and "Rich Dad, Poor Dad" by Robert Kiyosaki and Sharon Lechter.
Visit Dr Humbert's website for over 250 pages of articles, Top 10 lists, humor, quotes, tips and tools for your success! There's a free book on making (and keeping!) more money, and a FREE motivational newsletter. Check it out at: Philip Humbert
Are you looking for more information on Money, Financial Management, Possessions, and Physical Pleasures?
Taurus is the astrology sign that deals specifically with Money, Financial Management, Possessions, and Physical Pleasures. Learn more about Taurus.
The information here tells all about Taurus Astrology.
Taurus Horoscope
Even nowadays a man can't step up and kill a woman without feeling just a bit unchivalrous.
~ Robert Benchley ~
Born September 15, 1889
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| Enchanted Spirit is a non-denominational spiritual center of healing, support, self-improvement, personal guidance, education and writing. We publish multi-media works of New Age thought and information to encourage serenity and growth in individual life choices, advance the universal search for life's meaning, and promote tolerance for positive ideas from all philosophies and religious traditions, believing as we do that truth is where you find it. |
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Last updated May 16th, 2004
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