5 GREAT steps to achieving your goal

1.WRITE it down. Many people fail to do this thinking that simply thinking about your goal will be enough but research shows otherwise. Also make it clear and add some pictures.

2.DEFINE your goal. If you’re planning to buy a house in 18 months, then you need to know how much the house costs and how much extra money you need to earn each month to afford the instalment. You’ll also need to define how you will raise that extra money on a monthly basis.

3.Be willing to put in the HARD work. Always remember that each goal has a price to pay for. It can be changing your eating habits, getting by with less money, investing a certain amount of money into a business and so on. Knowing your goal and knowing what it takes to get there is just not enough.

4.Put goals into ACTION. You need to do this on a daily basis, with each day taking you closer to your goal. Keep a to-do list. You might need to adjust from time to time but always stay on track.

5.Be PASSIONATE and focused. Passion is the fuel that drives you to get there amidst all distractions in life and will keep you going. You will also need to focus all your energy towards achieving your goal otherwise your passion will be worthless.

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5 Ways to DESTROY debt

1) Get a Second Job
Use the money from this job to only pay off your debts. List your debts noting the interest rates. Pay off the debts with the highest rates first and work your way down the list.
2) Put your Credit Cards on Hold
Immediately stop using credit cards. At the very least destroy all your cards keeping just one card for emergencies.
3) Set up a Repayment Plan
Cut back on your expenses and/or use freed up cash to pay down your debts. Pay off the debts with the highest rates first.
4) Get a Consolidation Loan
Get a loan to pay off all your many debts and have just one payment to make. The new loan usually has a smaller payment and a lower interest rate
5) Use your Assets
If you have assets with some significant equity, such as a home you may be able to use these to get control of your debt. For example, you could get a loan on your home sufficient to pay off your debts. You could be saving a considerable amount of money on interest if you pay off high interest credit card debt in return for lower cost debt.

5 Ways to become wealthy

1. Spend less than you earn. This is often the most overlooked scenario, because many people believe it's a matter of cutting back on your current standard of living -- a strategy that's almost impossible for most people.

2. Make your money work as hard as you do. The real secret of financial success lies in making your money do the work, so you can relax. But that requires accumulating enough investment dollars so that the growth and earnings can free you from the need to punch a time clock.

3. Make sure your money is working for you, instead of against you. Just as your money can work very powerfully for you if you make the right decisions and stick to a plan of regular investing, wrong money decisions put potholes on the road to success. The classic example is credit-card debt.

4. Remember: If you don't see it, you won't spend it! If you take a close look at your paycheck, you'll notice a lot of deductions before you get to the amount you can cash or put in the bank. Money set aside for wealth building should be treated in the same way.

If you don't have a chance for automatic deductions to a company savings plan, then you'll have to create your own automatic savings plan.

5. Create savings and investment goals. Set your own goals. But never set a goal you can't control. Your targets can't depend on your boss giving you a raise; they must be reachable by your own efforts. You might need to invest in yourself by acquiring more education so you can qualify for a job that pays more. You might need to take more risk in your investments, or in your lifestyle by taking on a job that pays commissions instead of a fixed salary.

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