We’ve all heard the saying “When you fail to plan, you’re planning to fail”. This quote is attributed to Benjamin Franklin, the famous American founding father, thinker, and philosopher, whose face is on US $100 bill. …

A goal has got a few key elements. First, it got to be very Specific. Otherwise, it will not be clear but fuzzy, fuzzy goals are not goals. Next, it got to be Measurable. …

Almost no one goes into credit card debt deliberately. Just ask Mr. Tan. Mr. and Mrs. Tan spent most of their twenties and thirties owning money to Visa and Mastercard. There was the rent and the day-care bill and seemingly constant and sometimes staggering repairs bills for their clunky old…

There are many reasons why people fail to achieve their goals. The very common one is, the goals are not written down, or if you’re more digitally oriented, they are not typed out. When we don’t have our goals clearly written down, they are still fuzzy and unclear. …

Most business owners want to achieve results fast. They’re always looking for ways to beat the competition, get ahead and get things done faster. Unfortunately, many end up running in circles, instead of moving forward faster. That’s why it is important to have clear goals and plans. Imagine you are…

A Sense Of Accountability and Responsibility Successful people never accept excuses. They don’t blame others or themselves or external events. They take ownership and responsibility and they are fully accountable for their results. They really practice “The Buck Stops Here” philosophy. All too often in business and in life, we…

One way to cut back on spending is mind-boggling simple but very hard to do in our society. Say goodbye to plastic and all virtual money. Studies have repeatedly demonstrated we will spend more — upward of 2 percent more when we don’t have to handle physical, paper dollar bills. …

You can’t begin to save until you educate yourself about where and how you are spending your money. Chances are you don’t know. According to a 2013 survey by the pollster Gallup, two-thirds of us do not keep even the most rudimentary of budgets. You need to determine what day-to-day…

In my years of working, and after attending multiple seminars, I’ve always heard that the three cornerstones of success are mindset, skillset, and methodology. What I am going to share here is how mindset is the foundation and driver of success. …