4. Learn about taxes and tax shelters. Boring but necessary rich

know about taxes and how to shelter their money.

5. Establish three separate checking accounts. 1. A reserve account to cover bills you don't pay every month. 2. An emergency account for those unexpected emergencies. 3. A goal setting account. This is for your next goal. Put away as much as you can each month even if it is only $25 a month. You can save that by skipping one meal out or your Starbucks coffee.

6. The number of millionaires now tops 3.5 million and you might be

surprised at who they are. According to a best-selling book, "The

Millionaire Next Door," they're your local welding contractor,

auctioneer, farmer, paving contractor and self-employed professional.

Nearly half of them have taxable household incomes of less than

$131,000 a year. More than half never inherited so much as one dollar.

Most of them got their money old-fashioned way: they lived well

below their means and saved regularly.

7. Are you doing something each day toward Where you want to go?

8. Don't let obstacles hold you back just find a solution a way to go

under, around or over oblstacle. 9.An aspiring millionaire never blames anything or anyone but themself

for circumstances of their life.

10. Keep on keeping on. Don't let anything get in way of your dreams.

About the author: Judi Singleton is the publisher of Jassmine's Journal A Light In The Window Edition you can subscribe at

First of all, you’ll want to begin each new week by drawing up a schedule of things to do in coming week. Start off by listing things you absolutely must do, and then jot down things you’d like to do. Once you’ve done this, you’ll want to look over your weekly schedule and consider whether, time wise, your schedule is realistic. If it isn’t, then you’ll need to drop off non-essentials and maybe factor in more time for critical tasks.

Something else you’ll want to consider is that people with good time management skills tend to be fairly organized. If you’re work desk looks as though it were hit by a tornado, then tidy up a little bit. You’ll be surprised at how much more efficient you’ll be if you don’t have to wade through piles of paper to find what you’re looking for.

Combine time management skills with health, wealth and wisdom, and you’ve got formula for personal success.