10 Money Strategies to Improve Your Financial Future

I had the opportunity to attend to the "Get Motivated Seminar" today. I listened to people like Colin Powell, Rudolph Giuliani, Zig Ziglar, Phil Town, Tamara Lowe and many other great speakers.

According to the speakers, one of your biggest financial investment will likely be your retirement. Studies have shown that most Americans haven't set aside enough money for their retirement. Here are some proven money strategies to make sure you will have the cash you need.

1. Spend less than you earn - Your income is your main wealth building tool, when you spend all of your hard earning money it can not grow.
2. List your financial priorities and put your retirement at the top of the list - You need to learn to pay yourself first
3. Create a spending plan - When you put it on paper, you create a blue print of your financial plan.
4. Establish an emergency fund - Most experts agree that a 3 to 6 moths of expenses is perfect for an emergency fund
5. Make savings a habit - Even a little can add up
6. Create Income - Take a second job
7. Get out of debt - Finance fees eat up the principal that could be earning interest
8. Accept free money - Many companies match employee 401k contributions, take advantage of that benefit.
9. Handle credit card wisely - Keep one or two cards, too many cards can affect your credit score.
10. GIVE AWAY AT LEAST 10% - You will be amaze how this one will bring a new kind of freedom to your financial life.

When you give more than you have, leave more than you take... Krish Dhanam