Planning is the Key to Riches

If you look at the most successful people (financially successful) you will notice a trend - a common thread; they are all careful planners. In fact, there are many examples of people who have little in the way of income, but are such good planners that they are able to make much out of little. Planning is boring, unexciting work. But if you just take a few hours a week to develop and monitor a plan for how you earn money, how you spend it and how you invest it and pay down debts, this will make all the difference between living comfortably and living under a cloud of uncertainty and debt. The path out of financial despair is paved with budgets, frugal living and constant investments.