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Go to the dollar store or any place that you can buy four piggy banks. Also buy some labels and mark them 1. Savings 2. Debt 3. Investing 4. Discretionary. Put the labels on the piggy banks and put the piggy banks in a place that you are going to see them every single day. You are going to place as much money equally in each piggy bank that you can each day for the rest of your life. Yes, it is a commitment, but becoming rich is a choice not a chance occurrence.

This is the hard part. You must put money into your piggy banks each day. The amount is not really important. The key is that at the end of every month, you take the money you have put in your piggy banks and use them for the intended purpose on your labels. Is it that easy? Yes it is. You may say "That can't make me rich, how could I ever save enough money each month?" We will talk about what to invest in later in this blog, the key is to begin using your piggy banks now. It is the day after day habit of saving to invest that you want to create. You are also doing some smart things. Saving is important for anyone. Having three to six months of income is recommended in case some thing happens. The debt piggy bank is there if you happen to be in credit card debt that you do not pay off every month. It is important to keep credit card debt down because the money borrowed from these cards are usually used to buy things that do not help to make you rich. If you are not in credit card debt and want to do away with this piggy bank you are more then welcome to. The last bank is discretionary which is very important to help you keep your sanity. Whether it be a movie or a dinner out, putting money aside for this reason will help you not over spend and help you have some fun.
Thanks,
One New Voice

http://onenewvoice.blogspot.com