9. Be hyper-­‐vigilant when it comes to cards, loans or mortgages. Look for ways to lower interest, increase payments and keep an eye out for changes that could affect your loans.

10. Make a budget and stick to it. Think of it as a budge-­‐it. Once you make it, you do not budge-­‐it. Monthly and weekly budgets should be calculated to the penny.

11. The truly wealthy or those who want to be, consider debt to be death to their portfolio. They only allow themselves to go into debt when they need it, and in that case they often refer to it as capital or even better, they often get it from someone else. Keep the motto in mind when working with debt and get rid of it as soon as possible.

12. Separate your accounts to keep track of your money. Keep a savings account, an investment account and an earnings account.

13. Know the consequences of forbearing or deferring loans. The breathing room you get, is often paid back threefold in capitalized interest or an increased loan principal.

14. Create an emergency fund or funds. These accounts should contain the equivalent of 3 to 6 months salary using low risk accounts (savings, certificates of deposits or insured money market accounts) as a safety net not just for
your finances but for unexpected events in your life. This prevents you from dipping into your earnings or cashing in other income resources when unexpected and unwanted events happen, such as sudden illness.

15. Remember that you can grow rich now on money that you are throwing away. To be truly wealthy, you have to know that a simple dollar is an investment goldmine.

16. On average, millionaires spend more time selecting what to buy than buying the product itself. Why? Because they look for the best bargain before laying their money down—and ask for discounts before making a selection. Apply this principal to your life and watch your expenses go down. Instead of selecting the first brand-­‐name product you see, take the time to check what exactly you are getting. For example, many commercially branded cereal and grain products have exactly the same nutritional content as their generic cousins, at almost twice the price. Remember that you are paying more for the brand than you are for the product itself. Millionaires and the wealthy also know the value of patience. Many stay in the first home they bought long after they can afford a more expensive one.

16. Never accept a deal at face value. Negotiate until you feel the terms are in your favor. The most important thing you should know is that without financial freedom, you cannot be truly wealthy. The most important thing is to create a base: a lower debt to income ratio and leeway to save and put money aside for investing later on. It also frees up your mind so you can implement the law of attraction. Implementing positive thinking in your life can draw in positive forces and create more and more goodwill and luck. It is hard to think positive when you are constantly worrying about bills or making payments. By thinking positive and creating more positivity in your life, you bring in not just monetary wealth but a wealth in your personal life as well.