You must do more than save your money -- you must invest it. That means financial vehicles with super-high rates of return, such as mutual funds and stocks, or more risky commodity markets.

A $5,000 investment in commodities can return you 10 times that amount -- $50,000 --in just a few weeks, although you could easily lose it as well. Invest your savings into a long term certificate (CD). You can often get one with an interest rate up 4.5-5%. They are 100% safe, and still give you a much better return than normal savings accounts.

The bottom line is, you should take a portion of your savings and put it in a high interest or high risk investment plans. That's way to really get ahead.   Amazing Money Tip #11   Have fun! Yes, this tip easily makes my list because it is so essential to your success. The great writer Ray Bradbury once said in an interview: "If you are not having fun, you might as well forget it. Do everything you do with joy and you'll be successful."   You need to be having fun to stay positive, and you need to stay positive to make money. So come on! Get out their: laugh, clap your hands, live! Have a blast and rake in cash! The world is waiting for you!

I hope you have learned many new ways to save your hard- earned money, and enjoy your day-to-day life more. Remember, nothing discussed in this 4 part series is anything that you can't do. If you put this information to good use, it is guaranteed that you will benefit from it.

Copyright © by Palyn Peterson mailto:palyn@futureinternetmarketing.com

Do any of these sound familiar?

Well, that's problem but what about a solution. The solution is simple no matter what your financial situation is.

First, you must find out where you stand now. That could be as simple as writing down your income and bills and expenses on a piece of notebook paper. Then subtract your expenses from your income. Make sure to include your household expenses (groceries, car gas, etc.) in your expenses.

Now look at numbers. Do you have anything left over? If so what are you going to do with it? That's next step. If you don't then you need to consider cutting some of those expenses.

Now you need to decide what you really want your money to do for you. Set your goals! This could be saving for your retirement, buying a home, college for kids, getting a new car or any number of things. That's why you have to decide for yourself. There are just too many variables for someone else to help you.

My first suggestion is that if you have credit card debt you look for a way to pay them off and stop using them. Realizing that goal could make your other goals more likely to succeed.

Now it's time to set up that dreaded budget. Where are you going to find time and desire to write everything down that you spend and all other stuff that goes along with keeping a budget? The answer is that you don't have to!

One of biggest myths about budgeting is that you need to keep up with it everyday. That's reason so many people refuse to try.

It does take a little time to get your budget setup. There are a lot of things that need to be considered. But once your finances are down on paper there is no reason to work on it except on payday. You will find a link to a free budget like this in bio of this article.

If you believe that managing your money is to difficult or just too much trouble consider alternative. Not managing your money is probably robbing you of thousands of dollars a year and could lead to financial disaster.