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You can enjoy the best of life without spending five eight-hour days working like a slave to pay the bills, put your kids through college, and taking care of sick parents while paying the mortgage.  We want you to work smart, not hard.  

My wife and I have done fairly well with our finances, primarily because we spend less than we earn. Another, and perhaps better, way to look at this is to earn more than you spend. I am not implying you should deprive yourself from the things you enjoy or live a monk’s lifestyle.

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For example, I was recently at the gym with my brother. At the beginning of the workout, he was struggling mentally. He wasn’t adding to my energy and helping my workout become better than if I was alone. Instead, he was sucking my energy and causing me to exert more energy and effort than if I was alone.

I’ve been trying out this android app called Locket that puts ads on your lock screen and pays you for each time you unlock your phone.(update: Locket did away with their payment program unfortunately)

You may feel that individuals who are millionaires are the ones who drive flashy cars and own the latest gadgets. That how long to become a millionaire calculator true in most cases, and shouldn’t be in your case if you are looking to work your way to millionaire status. To maintain your income’s growth, this is the time when you have to seek out the clearance rack or sales. Never accept retail price, it simply isn’t worth it. This is the case in grocery stores, shopping malls, the internet, or even club/gym memberships.

Resist the urge to overwater your lawn. It may be hot outside, but most lawns only need about an inch of rainwater a week. If you keep track with a rain gauge, you may find that you rarely need to water. If you do pull out the hose and sprinkler, do so in the early to midmorning. Any later and the water will evaporate fast, with much of that liquid nourishment going to waste.

Chances are, you don’t know what you don’t know. So you’ll need to start really educating yourself about how you could conceivably achieve your goal. You’ll need to get bolder about the work you’re doing. You’ll need to create more, and fail more. Over and over, in fact. Quantity is often the fastest path to quality.

“I didn’t want to be going up and down the street looking for customers,” Bryan said. “I needed to find a way to get online businesses as customers. Someone suggested that I needed to blog. And to blog well you need to be totally transparent or it won’t work. So I started blogging about what was really happening in the credit card industry, including all the unscrupulous practices and how merchants were being taken advantage of.  Then I’d put my posts on the top social sites at the time: Digg, Reddit, and StumbleUpon, and sometimes the posts would get to the top of these sites and my website would get so much traffic that it would crash.

Benjamin Franklin once said: “There are two roads to riches. One is to increase one’s income, and two is to decrease one’s spending. But the fastest way to riches is by doing these things at the same time.”

Familiarize yourself with savings. If you’re used to maxing out the credit card and not saving much, you’re going to find it hard to become a millionaire at any stage in your lifetime. Begin by opening a savings account purely for keeping aside money and add to it regularly. This should be different from your every day savings account that you use to draw bill payments from and it should preferably be one that has a higher interest rate than your usual savings account options.[7]

If you don’t appreciate and give to your relationships, your relationships will suffer. All relationships are like bank accounts, and if one person is constantly depositing and the other person is constantly withdrawing, eventually all of the resources become depleted.

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