The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

It pays to be a fee fiend.

Try handling problems in the office as dispassionately as you can and I guarantee you will have a better time of it; not least because when you bring emotion into the conversation, you furnish your colleagues with an easy "out" for dismissing you. If you are able to strip out the emotion, however, people have to deal with you based on the facts.

You can never solve a financial problem with money. The only way for you to have a larger net worth is for you to go within to see why you are going without.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

They got married, they got divorced, and half their money goes out the window.