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Discipline yourself and cut your expenses to just one-tenth of your earnings while at the same time find a venture into which to put your money to work for you and multiply itself on a continuous basis. You must be careful to invest in a secure business that will not disappoint your objective. Load your credit card but use it wisely so you do not fall into debit always .

It gives you confidence to have a loaded credit card, just like putting money in your purse, but it is really a loss money, money you are merely holding to give away for one reason or the other. Sooner or later you must give all or some of the money out. Expended. So it is very imperative to have a source of reoccurring income not only to reload your credit card, but to act as a money bearing tree for you as source of wealth unlike wages.

The big question therefore is how do you make your money multiply or how do you plant a money tree so that you can have more to spend as wisely as you would decide.

Have you ever considered what is it that the banks do to have so much money? The answer is simple. Banks take deposits for safe keeping and collect interest on them for their services, but the real source of bank profits come not from the little interests they collect but from the multiplier effect generated when the interests accruing to the banks are lent out to borrowers who in turn pay interests to the banks for loans. The earnings from this source is continuous for every bank because lending money to customers is an on going business for banks.

As a bank deducts interests from its customers it gives same out to other eager customers and the stream of interest for the bank becomes golden and huge, not only increasing the bank's capital base but always keeping the bank's earning power on the increase. Credit card companies also get wealthy collecting little interests which they in turn invest wisely for the same multiplier effect discussed above.

Imagine also how much you will be worth now if at birth your parents had enrolled you into a foremost multi level marketing company where you now have a huge network of down lines on whom you earn bonus for the purchases they have ever made and still make.

Now it must be clear to you that money for use is different from wealth. Wealth is better defined as the aggregate source of income that continually flows into your account such that your expenses never catches up with it and depletes it. This is the kind of income everyone should aim for, an income that does not stop because you are ill, on holidays or engaged in other activities of life.

So think about an investment that will without fail generate a sustained and considerable turnover and income stream like interest do for credit card companies and banks. Little steady income from a particular investment will soon grow into a huge reservoir of cash'and if you are able to create multiple income streams then your status as a wealthy person will be eventually realised sooner than later.

I have surely in my years spent considerable amount of money. Now consider how rich I would be today if I had applied the principle I propound here by just investing one-tenth of all the millions I have so far spent, in a business or businesses that continuously bring back to me, no mater how little, return on my investments.

The incremental effect on money wisely invested is so dramatic even when the income comes in trickles.

Remember to invest wisely though, not all investments bring about gain. Men have invested huge sums of money that got lost in business. Invest your penny wisely and it will soon bear pounds.

Paid employment yield predetermined short term income, but since you were appointed the tendency is that you will one day be disappointed for one reason or the other. Think about it and make an investment that will continuously funnel income your way. A stitch in time saves plenty.