The amount of money you have has got nothing to do with what you earn.. people earning a million dollars a year can have no money and.. People earning $35,000 a year can be quite well off. It's not what you earn, it's what you spend.

Success on any level begins when you accept responsibility for creating life what you want. You are the only person who can truly make it happen. Not your boss, your business partner, your financial planner, your spouse of life-partner. Just you.

If you don't act now while it's fresh in your mind, it will probably join the list of things you were always going to do but never quite got around to. Chances are you'll also miss some opportunities.

There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.

Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.

The only prerequisites are past experience, a suitable personality and good communication skills: you need to be able to communicate adequately in English.

Personally, I tend to worry about what I save, not what I spend.