1. Believe you can

Before anything happens there is first a thought. Nature does not give ability to conceive an idea without ability to create it.

Believing you can do anything is first step to beginning anything. There are endless possibilities available to you to create life you desire.

2. Start a business

Start your own business and learn to be self-sufficient. As you learn to build a business you will gain greater control and understanding of amount of money you can create.

According to book The Millionaire Next Door self-employed people made up less than 20% of workers in America but accounted for two thirds of millionaires. Start your own business even if it's a part time home business.

3. Develop residual income

Residual income is money you receive even if you do not work. An example would be if you owned an apartment building. The renters pay their rent which pays buildings expenses. Any income above expenses can be considered residual income.

Almost everyone needs or wants more money coming in, and with this desire most would like to start some sort of extra income-producing project. The trouble is, not many of these people seem able to fit "a second job" into their time schedules.

It's true that most people are busy, but extra time for some sort of home-based extra income-producing project can almost always be found. It may mean giving up or changing a few of your favorite pastimes - such as having a couple of beers with guys or watching TV - but if you score big with your extra income project, you will have all time you want for doing whatever you want to do.

The first thing to do is to sit down with pencil and paper and list your daily schedule. What time do you wake up? Then step-by-step, list everything you do each day. Most people will find that they have about three hours each day that can be utilized in a more constructive or efficient manner. As we've noted above, you may have to give up time you waste in your local pub or a few television programs you watch, but it will be worth it in long run.

Efficient time management boils down to planning what you're going to do, and then doing it without backtracking. Start by making a list of things you want to do tomorrow, each evening before you go to bed. Schedule your trips to store or wherever to coincide with other things you have to do, and with your trips to or from work. Organize your trips to take care of as many things as possible while you're out of house. Take stock of time you spend standing around shooting breeze - especially time you spend on telephone - and eliminate all that isn't necessary.

Whatever chores you have to do at home, set aside a specific time to do them, and a specific amount of time to devote to them. For instance, just one hour a day devoted to yard work would probably make your property envy of all your neighbors. Don't try to do a week's work in one big flurry. Whether it's painting your house, fixing leaky faucets, or mowing your lawn and trimming your shrubs, do a part of it, or one particular job each day, and you'll be amazed at your progress.