For things to change, you have to change. For things to be different, you have to be different. Before financial success can occur personal growth must occur.

Keep the weeds of negative influence from your life. 'Farm' the seeds of constructive influence.

Use your past as one of your mentors.

One of the best places to start to turn your life around is by doing whatever appears on your mental "I should" list.

Even if you are new in sales, you can make up in numbers what you lack in skills.

Don't spend all of your money a quarter at a time. Save up and buy something special, something fine, something of lasting value, or something that will give you rich memories for a lifetime. Remember, all that candy money can add up to a small fortune.

For every promise, there is a price to pay... If the promise is clear, the price is easy.