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

Be prepared for disappointment and frustration. Be persistent and bounce back even more determined to succeed.

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 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.

When investing, I'm not against risk. If you take no risk you must expect a low return. Just don't let anyone fool you into thinking you can get a high return with low risk.

Learn as much as you can about your proposed business. Ask questions. Join industry associations. Study successful competitors carefully.