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Whatever is your present level of financial success, you will be happy to know that it is quite possible to increase your level even higher. Even if you are just able to meet your both ends meet with your present earnings, there still exists some scope to improve the financial aspect of your life. After you have set your noble intention of becoming rich or more rich, it must be known that what exactly your destination, in how much time and through which way you want to reach there.
After you have decided on your specific goals, working smartly on your budget is the first logical step. Recently one of the Banks where I have an account renewed my Fixed Deposit automatically for a period of 3 years. Therefore, if you are being charged a monthly fee or onetime fee for normal services on your savings account, you’d better do some  research and benefit by shifting your account or investments to a new bank which offers better rates for investments and charges less for its services. By cutting down on TV time, you get more time to focus on better things in life — such as a side business, skills upgrading, planning etc. Is it not a rather interesting tip ? For centuries reading is and hopefully shall be one of the best, cheapest and most beneficial hobbies. This way you’ll acquire some new or additional knowledge, learn some new skill, improve your professional ability, update on financial news and economic scenario, enjoy yourself, and that too without have to spend even a cent.
I know a few people who boast of being member of a few prestigious clubs, expensive gyms, golf club or associations but do not have time to go there. It is well researched and proven fact that with credit cards, generally people tend to shop more and buy things which could have been avoided or delayed.
Psychologically, when you use cash you are more mindful as you see yourself parting with your hard earned money.
Once I met a rich owner of restaurants on a golf course, who bragged that whenever he feels low or under stress, he goes for big shopping at blows up around 2,000 to 3,000 dollars and then he feels very good. If you have the skills, dynamism, perseverance and diligence of an entrepreneur then go ahead start your own business.
Although you are taking care of your time and money at first, you may also want to be helpful to others and a philanthropic in your attitude. In North India, there is a saying which roughly translated reads, “you can’t go to heaven without dying yourself”.
So the most important tip is to become completely aware of your finances and where your money is going and how much is coming in.As soon as you start to understand your current situation in detail, you will be able to identify leaks and simple solutions that will help get you on your way.
Always bear in mind that nobody will care more about your finances than you do (not even an investment planner), so the final responsibility is on you to take control of your financial future and direct it to where you want to go. If you want to become rich in an ethical and legal way then tell yourself that it is going to be a long process. It is also possible that sometimes due to slow results or someone flashing his wealth may dishearten you temporarily.
In other words, with the right tips and guidance you can always increase your Earnings, Wealth, Savings and ROI (Return on Investment) etc. Not only can you turn it around but can become rich or richer over a period of time with regular and focussed efforts. These tips cover almost all aspects of the mathematical equation which is tips to increase earnings, how to save better, tips to cut down on unnecessary expenditure, investments planning, improving your karmic balance and much more.
Therefore, you have to pick and choose what suits you best after going through the complete article.

Some of these tips may take a few minutes while others could take a bit longer and more efforts. Before a ship that leaves the port, its master decides on the next port of call – which is the destination, knows or tries to learn about the route and calculates the time to reach there. You may begin by understanding that what are your (a) Total Earnings (b) Total Expenses (c) Savings (d) Current Investments and Return of Investments and ( e) Liabilities over Monthly or Annual time frame. After a few days when I was dong checks and balances that the amount of interest was 10% lower than many other banks were offering. Not only do some banks offer attractive interest rates to new customers on sign-up but offer some services free as well.
Most cities have a public library available – so just go there and check out some books, periodicals and newspapers that serve your interest the best.
Even more, if it is pitch in dinner, where each guest family brings along a dish or a bottle becomes more involving exercise, making it still cheaper.
So the best remedy is to use cash to shop and keep credit cards only for emergencies or where carrying cash is not safe or convenient. It is your hard earned money and before saying yes to the purchase of a product or service, there is no harm in asking the seller “is there a discount” or “do you have a deal” or “do you have a better offer”.
The problem is that so many of us put others first and then aren’t able to save money. The wealthy entrepreneurs, rich industrialists, industry leaders just give liberally to the society and focus on helping others. So why not make your body and mind healthy and stronger rather than doing nothing or wasting your time over gossiping or watching TV.
But you should Never Give Up.Whenever you find yourself against such odds, go on internet, read a good personal finance blog or a motivating article and get inspired to keep going, no matter what.
She is the Founder & Principal Consultant of Aspiring People, a consultancy firm specializing in Coaching, Leadership Development and HR Consulting. Since the amount was substantial, the differential interest was something I could not afford to ignore.
In addition, you can subscribe to some newspapers and magazines which you can read in you free time in the cosy comfort of your house or while on the move. By not going to the gym you are denying the exercises to your body but wasting money on the gym membership. Remember, you can always renew the membership at a later date if it turns out that you actually do need it. Next time you want to entertain friends or relatives try cooking at home and invite them home. So next time you are hosting a party, do it at home, play cards, dance on your favorite music, or watch movies.
On the other hand, use of credit card or debit card is less painful as you never get to see the money going out of your hands at the point of purchase. I am not advocating that you squeeze the profit of the seller by insisting on a lower price.
That too is subject to a ceiling and is influenced by so many external and internal factors such as profits made by the company, condition of the industry and economy.
The potential rewards of starting your own business are good and this is how many of the rich and wealthy did it.

Unless you know your money, budget, risk appetite, investment style, investment avenues and risks associated, you can’t hope for another person to customize the best deal for you. You may go for a morning walk or jog every day, practice yoga or light stretching exercises or weight training.
It is not possible to become rich over night unless these are rare cases of Inheritance, Big Lottery Winning or Winning in a Casino etc.
She conducts workshops on subjects like Power of Mind, Creating Wealth, Developing Prosperity Consciousness, Materializing Desires etc. But you need to break your current vicious circle, come out of comfort zone and that that first step which sometimes the hardest part. Naturally, I had to make efforts to retire the invest premature and move the funds to another bank which gave better rate of interest but also gave me a credit card with no annual fee and no membership fee.
First the time is spent on an unproductive activity and secondly there are very cleverly made ads which influence you to buy items making you spend more and thirdly there is extra expense of electricity and cable perhaps ( if you subscribe to lesser number of channels).
Besides, there is so much of information available at the click of a few buttons on internet – all free! Eating out at good or fine dining restaurant can be expensive making a big blow to your budget. Instead of buying things you don’t need or you may not use regularly, it might be wise to find other ways to make yourself feel better. As a head of your own business, you call the shots and are the direct recipient of the profits as a result of your work in the right direction. She has been the HR Director of the India Operations of a very large MNC having over one lac employees across the country. Over a period of time, your efforts will begin to make a difference, but you have to work on at least a few of them together. Simply put, you may decide to increase your net worth by $ 100,000 in next 12 months by increasing your income and savings. You’ll know where you stand right now and what needs to be done to reach your cherished goal.
Try other tips given here (such as reading, partying at home, singing or exercising to alleviate your mood than buying happiness temporarily).
For example, if you pay the subscription for 12 months in advance for your favourite magazine, you not only get a great prize but often a free gift too.
You will thank yourself for adopting this habit as not only your body will become healthy and mind smarter but you save money on possible medical bills.
Therefore, it is better to get up, be ready to sweat it out intelligently and patiently wait for the fruits of success.
Another example could be that you want to increase your income by 15% and cut down on your monthly expenses by 10% in the next 1 year.

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