So work on your SELF-IMAGE. Believe in your uniqueness and ability to make your own special contribution to world - no matter how small, or how dull, or unintelligent you think you may be. Everybody has some unique talent and there is no other like you in this world. There is a seed of greatness in each one of us - a precious resource to achieve something unique in our lives.

== WRITE DOWN YOUR GOALS

How much money you want to earn next year?

Write, "By end of year I will have X dollars/pounds in bank" OR "I will have doubled my assets each year for five years (constant growth)" OR "By X (month and year) I will be a millionaire."

I've done this and shared it with my family. (Anyone else would think I'm totally "off my rocker"... if they don't already!)

SET SHORT TERM OBJECTIVES

These are landmarks needed to help motivate you and keep you on track. Write down your short-term goals, too. Fewer than one in one hundred people do, but surveys at Harvard University in United States show that those one percent are super- achievers. It's your PLAN and no-one else's.

If you dream of being rich, quantify your dream into figures and specific dates. That is first step to achieving wealth.

To become a millionaire on $20,000 a year and a 10 percent increase per year, you will need to do sideline activities (plenty, mate!) so you can save and invest some of your money.

REPEAT TO YOURSELF, "I will increase my income by $X this year."

That's a positive affirmation. So is: "I CAN do it, I WILL do it."

If you believe it strongly enough and desire it sufficiently, your mind will do rest. It will show you HOW to achieve it by leading you to right path. Be inwardly convinced that you will succeed and you will. Believe solution exists to any problem. If there is no obvious solution, mind will find a way around obstacle, or otherwise set you on a new track. The human mind has amazing, incredible POWER. NEVER EVER DOUBT IT!

The secret to success is a quantified goal and a deadline for achieving it. You will perhaps need some kind of change in your life to achieve your goals. Once set, your unconscious mind will work out means to reach your goal.

SEIZE OPPORTUNITIES WITHOUT HESITATION...like gold.

Don't be paralyzed by fear, which prevents many people from living their dreams. Don't hesitate to take steps necessary to achieve goal.

Don't underestimate your self worth. You are special and unique... and LIFE GIVES US EXACTLY WHAT WE EXPECT FROM IT: No more and no less!

PERSIST

.....and conquer your fears. Don't fear losing money.

Read Napoleon Hill's classic book, THINK AND GROW RICH.

SUMMARY:

A few thoughts to conclude...

MOST PEOPLE WANT TO BE HAPPY, BUT DON'T KNOW WHAT THEY ARE LOOKING FOR. It is same with money - not quantifying what you are looking for. Sadly, so many good people die without finding 'key'. They don't know how much they want to earn in a year. "When you don't know where you're going, you generally go nowhere." Take time out from your busy daily schedule. Time to meditate, to THINK THINGS THROUGH carefully.

BELIEVE that you can achieve your goals and crave it passionately. Use your IMAGINATION. Think and act successfully. * BELIEF is key "seed" and this will develop and grow stronger daily..

* Have FAITH (great) that you WILL achieve your goal.

N.B: DEVELOP A POSITIVE ATTITUDE to get you through rough times Develop right ATTITUDE and LOOK FOR OPPORTUNITIES everywhere. They are right there within reach.

Then BELIEVE, TRULY BELIEVE, that YOU CAN REACH YOUR TARGET.

Have COURAGE to do what you want to do. Don't give up on your dreams. Be bold and positive. Act "as if" you are already successful.

YOUR DESIRES IN LIFE: Write them down - everything you want out of life.

CONCENTRATE and FOCUS - it strengthens mind. Choosing RIGHT DIRECTION , your niche is key first step in that it sets your course. Together with PERSISTANCE - every day "keeping on keeping on doing little things to move you forward". Taking little steps one by one. These are secrets of success, I believe. The pursuit of money should not be an obsession preventing you from enjoying life. "What shall it profit a man, if he shall gain whole world and lose his soul?"

Enjoy challenge, because in great scheme of things that is life, how important is money anyway?

and always, remember...

If you lose happiness, you lose everything.

The greatest possession, greatest treasure in life is freedom... and wealth can give you that freedom. "Discover who is it you really are; because truth will set you free forever."

I hope this article encourages you to find whatever you are looking for in life... and always remember, money isn't everything. I believe peace of mind and JOY is much more important.

To your success (financial or any other endeavour in life)

Craig Lock

Believe in yourself and in your dream, Though impossible things may seem Someday, somehow you'll get through To goal you have in view. Mountains fall and seas divide, Before one who in his stride Takes a hard road by day Sweeping obstacles away Believe in yourself and in your plan Say not -I cannot -I can The prizes of life we fail to win Because we doubt power within...

ANON

**** (Not that he's anywhere near there... YET! But at least he understands theory and has a great deal of hope. We'll see what happens to him and whether principles DO work!)

For valuable money information to help you make and save your hard-earned money Get out of debt **

-Learn how to invest -Retire early -Take control of your finances See:

The Million Dollar Money Tree http://www.nzenterprise.com/money/welcome.html Money Management Course: http://www.nzenterprise.com/writer/online.html

Craig's money books are available at: http://www.bridgeniche.com/CLOCK/zaniestbooks.htm

THIS ARTICLE MAY BE FREELY PUBLISHED "I share what I know, so that you and your money may grow".

"If you have knowledge, let others light a candle to it."

He has been involved in the personal finance field for many years and has studied and written extensively on money matters: articles, brochures for financial institutions and numerous books. For valuable money information to help you make and save your hard-earned money, get out of debt, learn how to invest, retire early, and take control of your finances see:

I like to think of myself as compassionate and discrete, but I have to admit I have gone overboard and been downright gushy, and sometimes given disproportionate attention for wrong things. Or, I've been wrongly discrete by becoming secretive and timid and not even saying a few appropriate words. So I have to agree that this principle holds water.

But now is it really possible to look at someone who is exhibiting a wrong behaviour and thinking, "I know that person has a seed for [your example], so I will recognize and respond to that, and hope to bring him back on track." Assuming, of course, that as we dwell on their positive trait, it will be nurtured and grow stronger, and thus change that person.

Wouldn't that be first class intentional friendship?! Are you willing to experiment with this? Let me know your results. We may have material for a good book.