Reductions in spending are the most effective way of raising your disposable income, as the expression goes - "every cent saved is two cents earned". However over the longer term, very marked increases in income can be achieved by applying proper planning, not just to your career but also to other potential incomes.
With the rise of the internet, there are many opportunities for creating additional streams of income as well as the possibility of home-based businesses that might fit well with child care. Relying on multiple streams of income is a great strategy and can help safeguard against failures in one income stream.
Increasing Your Income Tips
Maximising your income is about maximising your career and your own saleability. It is a continuous process. Because you are likely to spend so much time at work, it is vital that you find a job that you can enjoy. If circumstances force you into less than ideal work, try to find the fun side of the work and keep looking for the next opportunity. EVERY job brings new experience and NEW skills that could set you up perfectly for your next job.
It has been my experience that the harder you work, the less you get paid for it. It seems completely wrong - but it is true. The highest earners get paid for their VALUE TO THE BUSINESS and has very little to do with how hard they work. A key secret to earning more - is to work smarter. Aquire specialised skills that are in high demand - you will be rewarded by substantially higher income and LESS demand on your time! So before you rush off to take up that extra job at expense of time with the kids - look around for those high paid opportunities and get yourself skilled up - WORK SMART NOT HARD!
Take every opportunity to learn more and improve your skill set.
Always present well and leave a positive, confident and friendly impression
Plan your career
Know your own strengths and weaknesses - only apply for jobs that play to your strengths ( keeping working on those weaknesses of course. )
Choose your employer, not the other way round, if you can
Gravitate towards jobs you WANT and would LOVE to do - those who do what they love - earn more. Be prepared to take a PAY CUT for the right entree.
A piece of advice handed down to me by a Captain of Industry - Never stay in the same job for more than 2 years.
When You apply for a job - know that you are right for it and can exceed your employers expectations
Be Open to new sources of Income
WORK SMART
Making More Money Possibilites
Learn A New Skill
Take every opportunity to aquire new skills and experience. You become more valuable to employers as you become more valuable to their businesses. If they do not recognize you value with a pay rise or improved job, other employers will.
Ask For A Pay Rise
If you feel that you deserve a pay rise, ask for it pleasantly. Do not threaten anything and make sure you have done your research and can fully justify your request. Getting it wrong can be a major Setback.
New Job with Existing Employer
Consider new opportunities within your existing employers business. Employers often prefer internal canidates they know and such positions offer the possibility of promotion and a pay increase. Always try to get promoted into jobs you would LOVE to do, chasing a job for just the money, may leave you in a job that you hate and under those circumstances, you are unlikely to perform well and could actually damage your career.
New Job with a New Employer
A new job with a new employer offers great possibilities, not only for an improvement in pay but also for a change of direction and working for a better or more suitable employer with greater prospects for the future.
Take On An Extra Job
Take on an extra job - This can boost income but remember the point I made above about working smart. If you take on an extra job, try to find one that advances your skills in some way, provides training or experience that might prove valuable. Choose a job you LOVE or could provide an entree to such a job. Where possible always look at each opportunity as a step towards where you want to be - even if it is an emergency second job!
Work More Overtime
You can undoubtedly earn more by working overtime if it is available. However, life is for living and unless you LOVE your work, this should only ever be a short-term solution. A stop gap to another solution.
Create An Extra Business
There has never been more opportunities to start home-based and internet-based businesses. Each era has its areas of opportunity and currently the internet is it. Many of these businesses are ideal for running part-time or in the evenings. Things as simple as completing surveys or taking part in online focus groups to running your own internet web site. Even if you have little skill, these opportunities are there, here is a list of potential money earners you might want to consider.
Other Family Members Contribututions
If you are part of a family unit, consider getting others to contribute to the house-hold also. Your spouse, even your children can all find activities or jobs that might contribute to the house-hold income.
Government Support & Tax Breaks
Make sure you are claiming all the government support you are entitled to and use all your tax breaks. If your spouse is not earning, find ways of using her tax allowances to reduce your tax bill.
Maximise Asset Earning
Make sure all your assets are earning their maximum. All savings are earning at the best rates. If you have a spare room, consider renting it out. Use your creative imagination to maximise the earning power of what you already have.

To some extent or other we all have some fears around money. Money fears are a very serious block to financial freedom and need to be overcome if finacial success is to be achieved.
Money fears need to be dealt with immediatly, challenged and confronted, they just love to be ignored so that they can fester and grow in the sub-conscious. Unfortunately people often surpress their anxieties about money and the result is that these 'little' anxieties grow into full grown fears. Fear loves secrecy, it grows and prospers in the dark, magnifying and spreading insiduously through your life until there is nothing it will not touch. Fear though, is DESTROYED when it is brought out into the light, it's power and influence is disipated.
Do not hold fear inside, it will grow irrationally and disproportionately to reality - voice you fears, let them out, examine them, discuss them, share your fears with a partner or friend. If you are unable to open up to those close to you, consider using a "Cognitive Behavioural Therapist" to talk things through with. Such a person is trained to help you confront your fears and challenge negative beliefs.
What are Your Fears
Most of us have fears around money - what are yours? This is an important question that need an answer. Behind all those anxieties about money, all those excuses for not being able to, or have enough time for - dealing with your money, all those procrastinations - are strong indicators that at some level FEAR is impeading your Financial success. Take a few moments to explore your emotions when you think about your finances, can you identify the fear?
Most fears develop from a very basic set that normally involve one or more of the following
Fear of Poverty
Fears around Safety
Fear for the Lack or Loss of Love
Fear of Criticism
What is the Source of Your Fear
Most deep-rooted fears develop from and belifs we developed as children. Sometimes these beliefs are simply born from the misunderstandings of a young child, othertimes they may be based on strategies that worked as a child, but are no longer effective for an adult. Sadly, sometimes these negative self-beliefs and fears emerge from a childhood scarred with trauma or abuse.
Look back into your past - can you see any patterns, beliefs or behaviours that might have influenced you? Can you see any connections? Things that might have led you to your current beliefs and fears.
Facing Your Fears
Discovering the roots of your fears in the past is the key to resolving them. Finding the link brings the fear out of the dark and into the light where it can be seen for what it is, a product of the past that can be challenged and released from your life.
It is your duty to yourself and to your life to find the courage to confront your fears. Failure to do so will mean that your life will be forever scarred by it's infuence and you will remain it's victim.
Part of the problem with dealing with such deep rooted issues, is that so many other beliefs and patterns have been built with the negative belief as a premise that when you change it, all the mental pattens and beliefs built that premise - collapse with it. The subconscious is often fearful of taking such a big step and resists the process.
When the shift does come - it can be described as a profound 'Change of Mind', which is of course, what it is. It is like a switch being 'thrown' in your mind. It often happens out of the blue and almost instantly, the fallout however can leave you mentally disorientated while you work through the process of reconstructing your belief system on the new premise.
If I could flip that switch for you - I would. But this is a journey that you must undertake yourself. Remember, seek help if you need it.
Using Positive Thinking Techniques
Facing down your fears is rarely an instantaneous fix, it often takes regular concentrated effort to recognize, confront and challenge your fears when they emerge. Never tolerate it, no matter how small it may seem - remember fear loves to be ignored - it is fuel to the flame.
A very powerful metaphysical technique is the use of positive thinking and afirmations. Positive thinking is the process of continually challenging any negative thoughts and turning them into positive self nurturing ones. The idea is a simple and very effective one, but belies the difficulty many people face maintaining the level of consciousness and energy needed to be consistant.
Positive Affirmations are brief positive messages to yourself. These messages are usually
Positive
Short and memorable
Personal and Present Tense
An example might be - "I confidently deal with all my financial affairs"
The statement can be about whatever it is you want to achieve.Repeat the statement regularly, believe it, write it down in places where you will continually see it, repeat it to yourself regularly - say it to yourself looking in the mirror.
This powerful techniques is designed to help you re-train your thinking and behaviours. It is effectively self brain training! - The important thing to remember is... it works. For more information visit this affirmation site - Positive Affirmations and Positive Thinking

Anyone who has been deeply in debt will recognize the feeling of working like a slave to pay your debts, knowing that for all your hard labour there will barely enough left to survive, let alone the energy or capital to even attempt to break out. I've been there and so have millions of others.
It is a form of slavery, you are a slave to money, all the productivity and energy of your labour is going into the pockets of others. The sad thing is that people often walk into this scenario voluntarily. It is no way to live.
It is possible to break out of this state, to take control of your finances and win back your financial freedom. To do it you are going to have to turn things around and master money. YOU CAN DO IT! The joy is that as you turn your finances around, your life turns for the better also.
Anyone can achieve great wealth if they desire it strongly enough. It is all about making the right choices and doing what is necessary. These choices are yours and are reflected in the day to day decisions you make ( or don't make ) about your finances.
Mastering Money Principles
There are no big secrets - you will find all you need to make a start freely available on this site, with some of the key principles that you must adopt listed below.
Know What You Want
Only the person who really knows what they want can direct a path towards their goal. A person who does not know what they want, has no direction, no path to navigate, they are lost. If you do not know what your life purpose is, make it your priority to discover it.
Understand the Purpose of Money
Money is a means to an end; it is the energy that enables things to be owned and produced in the physical world. Money itself has no intrinsic value, it is just paper. But its power in the physical world to aquire things towards your advancement makes the pursuit of money an important goal in life.
Never Borrow Unless it is to Invest
Never borrow unless it is an investment in your own advancement. Buying a home to provide shelter and comfort is an important investment in yourself. So is buying a car to get you to work, but buying more car than you need is wasting your financial strength and diminishes you.
When you invest, you expect growth and expansion, either in terms of money or advancement towards your goals. Whenever you are spending and especially with debt spending on things that do not nourish you in mind, body or spirit - or create greater wealth or advancement, you are surrendering and stepping away from your dreams.
Maintain Financial Awareness
One characteristic all successful wealthy people is that they know where their money is and what it is doing. They know what is coming in and what is going out. They ensure that their money is always working to the maximum for them. They respect their money because they understand that it gives them the power to ACT and achieve their goals. They maintain a conscious awareness of all of their financial affairs at all times.
Part of financial awareness is recognizing risk. Every person is different, but all of us face financial risks, like sudden ill health, education fees, child care, the security of our assets. It is important to be aware of the risks and where possible mitigate against them.
Stay Positive
Positive outlooks create positive outcomes. It is as simple as that. It is important to nourish yourself with positive thoughts and attitudes. Use positive thinking techniques and affirmations to bring and maintain your positive attitude. If you experience negativity, use your positive thinking to turn it around and find the positive outlook.
Trust Yourself
Trust Yourself above all others. Trust your ability and your instincts about your own financial affairs. If your knowledge is weak, aquire it. Only YOU have your own best interests foremost in your mind. Others may have slightly different agendas. Learn to trust your own judgement and to always have complete knowledge so that you can rely on your judgement without doubt. Where necessary, take advice - but ultimately - trust yourself and your own instincts.
Take Responsibility
Take responsibility for your Financial Position. You are where you are now as a result of decisions YOU have made (or not made) in the past. By recognizing this, by taking responsibility for your own financial actions and learning from them - you can learn from failures and successes. It is a common mistake to look for others to blame for their own predicament without recognizing that THEY ALWAYS HAD A CHOICE. No matter how difficult or unpalatable that choice may have been, there is always a choice. Ultimately we are, each of us, responsible for ourselves.
Take Financial Control
Take charge of your finances, you need to understand them intimately. Know what you are earning, what you are spending. Plan you financial strategy and put it into action. Remember - Your money is your power, make the most of it.
Release All Fear
Fear is one of the greatest blocks to success and wealth. You must face your fears - see Facing Your Fears. Fear stifles energy and creativity and this not only blocks your ability to achieve wealth but impacts success in all aspects of your life.
Be Honest
Honesty is vital, particularly self-honesty. Without it, we are unable to get to the truth and make decisions based on that truth. Without truth, you may be left laying plans and taking actions on illusions and fantasy. The more honest you are yourself, the more honest will find the people you surround yourself with. Like attracts like is part of the Law of Attraction. Set a high standard, be as honest as you can with all around you and expect the same from them.
Be Grateful
It may seem like a small thing, but it is not. Learn to be grateful for the things you already have. Take the time to recognise the good things you already possess. Doing so opens up your ability to receive more prosperity. If you fail to recognise and be grateful for the things that you have already achieved, you undermine your ability to reach out for more. Each day, write down 5 things that have happened that you can be grateful for. It can be anything - from a generous smile, to a big bonus.

12 Principles Of Wealth Creation
Outlined below are the key principles of Wealth, the practical skills and attitudes that must be adopted to achieve great wealth. Most of these requirements are not difficult and are within the grasp of ANYONE who strongly DESIRES wealth or who wants to achieve any other worthy cause.
The principles below have been thoughly researched and are loosely based on those presented in "Think and Grow Rich" - one of the most inspirational and respected books on wealth creation - ever. You can download your copy here.
Desire
Without desire, there is no drive or momentum to propel someone forward through any difficulties to success. Desire is truly the very foundation of success. The more powerful the desire the more likely that desire will manifest to a successful conclusion.
Faith
There can be no room for doubt, there must be total belief in self and the process that is being undertaken. Doubts undermine success by creating FEARS that block the ability to move forward. Faith removes all limitations. Impossible is not a word that someone with faith will recognise - everything is possible!
Positive Self-Talk & Affirmations
Use the powerful metaphysical technique of positive affirmations to maintain a positive outlook. It is a method by which you can voluntarly feed the subconscious mind with positive and creative thoughts. Modern research has verified the power of this technique in creating a positive outlook that translated into positive outcomes.
Specialized Knowledge
"Knowledge is Power" is a mantra believed by many, but the reality is that knowledge is just POTENTIAL power. It only becomes power when and if it is organised into definite plans of action and directed to a definite end.
For the aquisition of wealth, You do not have to possess knowledge. Where specialised knowledge is required, you may either aquire it yourself or it can be purchased. It is important to know how and where to aquire knowledge but equally important that the knowledge itself must be organized and used directly towards some worthy end, if it is to have any value.
Do not let a lack of knowledge or schooling stop you, some of the most successful and wealthy entrepreneurs have had barely ANY education. You can aquire what you need to achieve your goals.
Imagination
Man has been gifted with the wonderful power of imagination, from which pours the dreams and aspirations that we seek. Imagination is the power that allows us to see past what is, to what could be. It creates our dreams and drives our desires, it is our creative powerhouse. If we choose to use it that is.
Strong desire stimulates imagination and creative solutions. Disinterest kills it. Regular use of imagination empowers and strengthens the ability to create possibilities. Take every opportunity to use your imagination to be creative, to "think outside the box" of your exisiting beliefs and knowledge of the world.
Imagination is the power that transforms intangible thoughts and desires into practical plans, it uses the power of your mind and imagination to create possibilities, solutions and plans that will advance you towards your goals.
Planning
The most intelligent man living cannot succeed in accumulating wealth, or any other endeavour for that matter, without plans that are practical and workable. It is important to bring as many minds as possible to the creation of your plans and to keep building and re-building plans until the plan is faultless.
Your achievement can be no better than your plans are sound, so it is important that they are as good as they can be.
Decisiveness
One of the biggest causes of failure is indecisiveness. Procrastination is the common enemy that everyone must conquer. Successful people reach their decisions quickly and change their minds slowly. People who fail to achieve wealth usually have the habit of reaching decisions slowly, if at all and changing their minds quickly and often.
It is important to develop the habit of reaching YOUR OWN DECISIONS , without the influence of others, in reaching YOUR GOALS. Reaching quick and firm decisions like this can often be difficult and requires COURAGE.
Those who make decisions promptly and definitly, know what they want, and generally get it.
Persistence
No man is ever beaten, until he quits - in his own mind. The combination of will-power and persistence make an irresistible force. It puts the back-bone into desire and gives the power to continue in the face of set-back and failure, to get back up, make a new plan and step forward again. Persistence pays and is a characteristic of the successful.
Positive Alliances
Surround yourself with creative positive people who can advance your plans. Your exact relationship to these people is not important. What is important is that they are able to contribute to your plans and that the relationships are harmonious. Such an alliance of minds provides obvious economic benefits, but at a spiritual level the creative synergy of the group connection provides a very powerful and creative energy that can drive a project forward and surmount obstacles that a man on his own could not.
Focussing Energy
This includes the concept of "Sexual transmutation", the process of channeling sexual energy into the creative faculty. The desire for sexual expression is by far the strongest human emotion and for this reason this desire, when harnessed and transmuted into action (other than physical expression) may raise one to the status of genius.
However it is often the case that below the age of 40 this energy is not harnessed and results in a dissipation of energy. Use sexual energy and harness it, apply it into the wealth creation process to achieve staggering results.
The Mind and the Subconscious
The subconscious mind is always at work. It is the root of our desires, thoughts and ultimately actions. It is the part of us that has the strongest spiritual connection to the universe around us. It holds the beliefs and thought patterns that make us who we are.
The previous actions of desire and positive self-talk are designed to act upon the subconscious in a positive way to allow your subconscious energy to focus on the task with positive energy.
In reality, our subconscious carries many patterns learned and absorbed as children. These deep-rooted patterns form the foundation of our beliefs about ourselves and have a powerful influence on how we react to events in adulthood. Some of these behaviours may be positive others may be negative, effectively sabotaging every effort we make to advance ourselves. Invariably, these negative beliefs are based in FEAR and must be overcome to achieve great success. See Facing Fears.
Intuition - Spiritual Awakening
At the very pinnacle of the twelve principles of wealth creation comes 'intuition' our 6th sense. By applying all the previous principles, by freeing yourself of fear or doubt you awaken the most powerful force of all - Your spiritual connection to the universe. It is this spiritual connection to the universe around us from which inspiration, ideas, even warnings flow that keep us atuned to the world around us and allow us to act and respond - intuitively.
We live in an ocean of infinite possibilities, everything is possible. Research in quantum physics is now finding common ground with spirituality with the concept that at a fundamental level - we are all connected, that our thoughts are creative and powerful. People who can harness this spiritual energy and bring it to bear on their advancement will find that the universe responds and brings them what they desire.

Money, Wealth, Riches and Success - We all want these things, isn't that obvious? Well actually - no. The truth is that most people's desire for wealth is at best 'superficial', the kind of desire that fails at the first temptation. Burning desire is the foundation of achieving wealth. Without that powerful desire, it becomes difficult to do the things that are necessary to achieve financial success.
The Purpose Of Money
Desire Is The Foundation of Success
Is Your Desire Strong Enough?
Turn Desire into a Burning Obsession
The Purpose Of Money
Life is a vibrant expanding thing that always seeks to make the most of itself. In order for people to develop fully in mind, body and spirit and to achieve their life goals and dreams, it is necessary aquire money. This is because our society is organised so that one must have money in order to possess and achieve things in the physical world. The aquisition of wealth is therefore an integral part of advancing ourselves - no matter what we choose to do with our lives. Our ability to advance ourselves and our dreams sits hand-in-hand with our ability to aquire wealth.
Once you understand the real purpose of money it is easier to see the importance of both aquiring and desiring money. It is NOT for the posession of money itself - that is just paper. But the power it gives to aquire things that will allow you to advance toward your life goals.
Desire is the Foundation of Success
Our minds become magnetized by the dominating thoughts which we hold in our minds. It is the power of these thought and intentions that cause us to attract, like a magnet, the forces, the people, the circumstances of life which harmonize with the nature of our dominating thoughts. This is why having a Burning Desire is an essential element of success.
Is Your Desire Strong Enough?
The necessary desire is best described as obsession. Nothing will stand in the way, no set back will be sufficient, no obstacle a barrier to the power of such a desire. It is the hallmark of the great achievers throughout history , that they have achieved their success and wealth through unstinting desire, faith and persistence, often through much difficulty and set-back. Holding such desire requires great strength of character and self-belief, but this power is available to anyone who is prepared to grasp it.
Turn Desire into a Burning Obsession
Turning your desire into such a powerful inferno may seem daunting to some, but the reality is that ANYONE CAN ACHIEVE IT, it requires a shift in thinking and perspective, a simple mental switch.
Below is a six step plan - outlined by Napolean Hill in his book "Think and Grow Rich" that is designed to help develop desire and turn it into the wealth you desire. Many will recognize several well established metaphysical techniques.
Fix in your mind the exact amount of money you desire. It is not sufficient merely to say ?I want plenty of money.? Be definite as to the amount. (There is a psychological reason for definiteness, be definite and don't hold back).
Determine exactly what you intend to give in return for the money you desire. (There is no such reality as "something for nothing".)
Establish a definite date when you intend to possess the money you desire.
Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action.
Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.
Read your written statement aloud, twice daily, once just before retiring at night, and once after getting up in the morning. AS YOU READ?SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

Bad Spending Habits can easily become a million dollar spending habit. Stop wasting money on things you don't need or want, break the habit and start putting money towards what you really want, achieving your dreams. When you do this something magical happens, you find yourself on the right side of the money machine and cannot help but attract more. It is the fundamental Law Of Attraction.
Making a million and becoming a millionaire is only a matter of time if you can break your million dollar habit. If you have a million dollar habit, you are simply throwing away your million without even realizing it! Often all it it takes is a 'change of mind' an absolute decision to break the patterns of the past and embrace a new future. A simple change in perspective can bring huge financial rewards.
Financial Freedom is something everyone wants and if you can afford a million dollar habit, then you can afford to be very wealthy indeed or become a millionaire. Your already have sufficient income to achieve it! You would expect only the rich and well-off to have this kind of spending habit, but it cuts accross all income brackets. For many, their reckless spending is impoverishing them when in fact they could be well on their way to making a million or living the millionaire lifestyle.
If you desire money to start living and achieving your dreams then there are only two questions you need to ask - Do I have a million dollar spending habit and am I prepared to give it up? Whether you choose to give up a bad habit or not is YOUR choice, however, you can use our unique Million Dollar Habit Calculator to work out what its really costing you and if it is a Million Dollar Habit. Even if it isn't a million, the amount is likely to shock you!
Million Dollar Habit Calculator
One of the key secrets of money is that little amounts matter. Even the smallesr amount of money, given enough time and the magic of compound interest will grow into a million dollars. Regular small amounts of money can grow into a very large pot of money.
Scrimping and Saving every penny is not the answer, smart spending is. Smart Spending is where you only spend money on things that take you forwards towards your life goals. Money spent on things you don't need or really want, that does not in some way advance you in mind,body or spirit is simply wasted money. Throwing money away like this, drains money away from achieving your dreams and leaves you financially diminished.
Identifying Bad Spending Habits
Even small habits can add up to a million dollar spending habit, so when you look at your expenditures, remember to add up all those little daily habits. Bad spending habits are something we all have to a lesser or greater degree. We are all exposed to high levels of advertising and social pressuress that are very difficult to resist. Spending can quickly become habitual and when it does it almost disappears off the map of consciousness.
Spending diaries are a great way of checking out what you really spend in a day. Simply carry a notebook around with you every day for a normal working week noting down every cent of expenditure. At the end of the week you may be shocked at what you spend or could be saving.
Uncover spending habits by examining honestly what you spend your money on and determine if this expenditure is really enhancing your life. You need to prioritize spending and eliminate wasteful spending habits in favor of saving money for what you really want.
Big Spending Habits
Big spending habits are nearly always million dollar spending habits. They are often associated with other emotional issues or fears that may need to be tackled. These include habits like:
SmokingSmoking not only seriously ruins your health but seriously damages your financial health also. The financial cost of smoking is very high and when additional medical costs are taken into account, potentially devastating. Make a positive health choice to give up smoking and put the money toward the things you really want in life. Consider the "Stop Smoking in One Hour" program.
DrinkingAlcoholic drinks are expensive and their effect is to make you ineffective. If you choose to reduce or give up your drinking habit, you could put the money towards a happier and wealthier life. See - Natural Cure for Alcohol Addiction
Drugs & Other illegal SubstancesDrugs are used by people who are unable to face the reality of their lives and use them to esacape. Just don't go there or give it up. It will destroy your finances as surely as it will destroy your life. See - Addiction Free Forever Program
GamblingIf you gamble your money, you are not respecting money and you can be certain of only one thing. You will lose it.
Shopaholic or Excessive ShoppingYou cannot fill an emotional hole in your life with things no matter how much you buy. If you believe you are a compulsive shopper look for your answers inside and seek to heal the emotional problems behind you shopping habit.
Other Obsessive BehaviorsThe basis is the same as for shopaholics but manifests itself in other expensive ways such as hording, collecting etc.
So, do you have a million dollar habit? Maybe that habit is only costing you $100,000, or only $10,000. But I bet if you thought about it there would be plenty of things you would RATHER have done with that money.
I wonder how many people, would give up a habit that they probably would never miss if they knew that their financial freedom was at stake. Life and money share many characteristics. Just like money, making small life choices can have a massive effect on life outcomes!

Money is one of those subjects that no one likes to talk about. We can talk about almost anything else to our friends, share our most intimate secrets, but money remains a taboo subject, a guaranteed conversation killer.
Yet money is one of the most important aspects of our lives. Money represents our energy and power to achieve and acquire things in the physical world. Without enough money, our ability to live fully will be limited. It is therefore an important life goal to achieve sufficient money and wealth to live to our full potential.
The good news is that anyone can create wealth and as much money as they need, if they choose to do so. The world is infinitely abundant. There is no limit to the amount of wealth that can be created. The only thing standing in the way of anyone being wealthy is their own attitude towards money and their knowledge of the key principles of money that surround wealth creation.
Becoming wealthy becomes straightforward and virtually guaranteed when you are able to overcome your own fears and emotional issues about money and to completely incorporate the principles of money into your life. Like many things in life, knowing what you should do is only part of the battle. Going out and actually making it happen in your life is the real challenge.