1. Television – Television can be very relaxing and enjoyable, but unfortunately in our modern society it has become one of the biggest time wasters of all time. I am not saying that you should never watch television, but try not to let it dictate the schedule of your life by making you plan your day around what time your favorite shows are on. If there are more important things to do which will bring you closer to a life of abundance, then rather give the television a skip.

2. Telephone calls – Telephones are an essential part of our modern communication strategy, but allowing your time to waste away spending excessive time simply chatting on the phone also robs us of a great deal of time which could have been used more productively. Try to keep calls restricted as to the time you spend on them and avoid taking social calls while you are trying to focus on the project at hand.

3. Time wasting worry – Worry is another one of our big time wasters, if something is causing you to worry, go after it, make a plan to overcome it and remove the worry factor. Too many people will sit and worry about something to the point that they are unable to concentrate on anything else. I believe you should act in the true spirit of a Wealth Creator and take action so as to be able to remove the worry, this way it will eat up far less of your time.
4. Essential planning – Much time is wasted because people are not working to a decisive and detailed plan. I teach my Wealth Creators Mentorship students that to become financially free and have a life of abundance, you need to be driven and have definite goals which you need to achieve to receive this life of abundance. Be sure to take the time to make a list of your goals for the day and address them according to their importance. Not having a set daily plan leaves us wasting much of our time trying to figure out what it is that we should actually be doing.

5. Daydreaming – I am a great believer in having dreams so as to be able to bring them into reality, but when these dreams become daydreams because you are spending so much time dreaming that you forget to take action so as to bring them into reality, then you are wasting time and bringing yourself nothing but illusive dreams as you are breaking the Formula for Riches by not actually putting in the TEM$ so as to bring your dreams into reality. Have dreams but always be sure to take the action which will help to bring them into reality.

6. Gaming – Now this has got to be one of the time wasters which is beginning to steal more and more of our time and there is an entire subculture allowing their time to be stolen in this way. No, there is nothing wrong with relaxing while playing a video game, but limit this time and do not allow yourself to fall prey to this time waster.

7. Hobbies – Hobbies are a good thing, that is, until we allow them to get out of hand. There are many people who become obsessed with their hobbies and allow them to affect the time where they should actually have been productive. Schedule times for your hobbies and don’t allow them to interfere with what it is that you need to be doing so as to achieve your goals.

8. Meetings – Meeting may well be an essential part of business life, but they can also be one of the biggest time wasters around. Very often meetings are held which have little or no effect on our business and are actually simply filled with useless bantering. Try to set time limits to your meetings and make sure that all participants stick to the agenda at hand, this way you will avoid wasting a lot of your time.

9. Internet surfing – A lot of time is often wasted by people pointlessly surfing the internet. Yes, the internet can be a very powerful business tool, but it is the type of surfing which has no reason or purpose relating to your goals which can quite easily rob you of valuable time.

10. Commuting – What with the roads getting busier and busier by the day, a lot of our time is wasted in traffic, try to make this time as productive as you possibly can. Try to perhaps do mental planning for your day or address issues and ways to solve them while you are traveling, this way your commuting time will not completely be a waste of time.

1. A person or thing that is unsuccessful
2. Nonperformance of something required or expected
3. An insufficiency
4. The fact of not reaching the required standard

• Remove temptations – It is always an easy option to walk into a store with the intent of only buying healthy products, but when you are rushed or tired, it is always the faster and easier solutions which will appeal to you the most.

• Never purchase foods while you are hungry – By doing this you will avoid the temptation to look for the quick fix and go back down the unhealthy food route again due to the fact that something looks good or is easy to get ready.
• Find alternatives – Try to substitute fast foods or unhealthy foods which you and your family enjoy with something similar but healthy. For example, substitute rich full cream ice cream with frozen yogurt or leave the crisps and rather consider rice cakes or unflavored popcorn as an alternative.
• Remove the rubbish – Try to get rid of all the unhealthy foods in your home, if they are not there then they will be far less likely to bother you. Once you are rid of this rubbish in your home, make a point of it not to buy anymore, this way you will be taking a huge stride in the direction of removing temptation from your door.

• Cook in batches – When you are cooking healthy foods, make a few oversize batches, this way you will be able to freeze that which you do not use for another time, this is just as effective as buying fast foods, but far healthier. It takes the same amount of time and effort to make a small serving or a bulk batch of any food and you will effectively be able to build up a supply of healthy television dinners.

• Invest in yourself and your health – Take the time to look around for easy, quick and healthy meals which you can prepare for the family. You will be able to find many suggestions in this regard online and many of the meals you will find will be able to be prepared in less than 30 minutes. Steaming is always a great way to go as it is quick, nutritious and can practically be used to prepare any dish.

• Slow things down – Many people do not realize that it takes the brain about 20 minutes after we are full for our brain to let our bodies know that we have had enough. Effectively slowing your pace of eating down can be of great benefit to your pocket and your health. Take the time to eat at a slower pace so as to be able to enjoy what it is that you are eating and at the same time to avoid overeating.

• Get the family together and enjoy each others company – Be sure to try and have the entire family eat together, switch off the television and actually enjoy each others company at dinner time, this will not only be good for your health but for the family bonds as well as you will all take this time to remain connected as to what it is that is going on in the other family members lives. At the same time you will be slowing things down and will be able to enjoy the food and each others companionship.

• As I teach my Wealth Creator Mentorship Students, getting a passive income from property which you have bought and are renting out is a very good source of residual passive income so long as you have applied the correct techniques and formulas when you bought the property.
• As I teach my Build a Web Students, it can be very easy and cost effective to learn how to build your own web page for free and then start selling EBooks or online products from the web page. Far too many people think you need to be a professional or expert to be able to do this, but the truth of the matter is that anybody can do it if they are using the right tools and techniques.
• If you are good at photography, you might want to consider making some of your photos available as stock images for various companies.
• Commissions which you earn from your customers when they renew accounts or contracts with you.
   

• Building down lines in the multi-level marketing industry which allow you to receive commissions on the sales of the people below you.
• Franchising your business out to others.
• Selling eBooks or online products through affiliates.
   

• Affiliate Programs – Find yourself reputable products or services which allow you to sell them online as an affiliate and promote them on your own site which you can build very quickly, easily and effectively by doing my free Build-a-Web course. You will then be able to receive commissions on sales made by people using your affiliate links.
• Google Adsense – Google Adsense allows you to do advertising on your website for other sites and once again you receive commission according to the amount of traffic you drive through your advertising on your own site.
• EBay – eBay is a very popular marketing site and if you are able to find a reliable wholesaler to supply you with a product, you can then set yourself up on eBay as a distributor and earn commissions on your sales while letting the distribution company actually handle all of the time consuming work such as shipping and product handling.
• CafePress.com – This is a website where if you have your own products which you want to sell allows you to set up your own online shop so as to sell whatever it is which you have to offer. The best part is that your initial setup costs you nothing.
   

• Work to a Definite Budget – It is essential to always work to a definite and defined budget, by doing so you will be sure to know exactly where you stand financially. Be sure to have an accurate amount as to what your expenses and incomes are down to the last cent when you work out your budget.
• Settle your main Bills before anything else – Always be sure to pay the essential accounts first such as your bond, water and electricity and any other accounts which you might have which you have to pay in order to be able to survive and keep your roof over your head.
• Quit the Credit – Stop using your credit card as much as you possibly can, without even sometimes realizing it, you are opening up a downward spiral for your financial situation by simply buying on credit. Rather save up and buy what it is which you want when you can afford it. Credit costs are one of the main money eaters in the modern home.
• Eat Out Less – We as modern society tend to be caught up by the convenience of the consumer age, as I teach my Wealth Creators Mentors Students, we have been programmed to believe everything should be fast and convenient, well this might be good for the franchise outlets but definitely not for your health or budget. Begin to cook more at home and you will be amazed as to how much you will save.
• Learn to Unplug – Many of us are unaware that appliances which are turned off and left plugged in still use considerable energy and therefore cost us money for nothing, rather unplug computers, televisions and cell charges when they are not in use and you will definitely see the difference on your energy bill at the end of the month.
• Lower Your Thermostat Settings – By simply lowering the settings on your household thermostat you will be able to dramatically decrease your energy consumption and still live very comfortably.
• Shopping Savers – Try to avoid buying more expensive brand names when you are doing your shopping, this will also greatly reduce your grocery expenses. Rather try to do your grocery shopping at the discount stores where prices are usually considerably lower, even if this means you need to go out of your way by a short distance so as to get to the store.

Many people will hear what I am about to say and automatically have a response of disbelief. Believe me when I tell you that “Your mindset and ability to believe are pivotal factors which govern how effectively and quickly you will be able to achieve your ultimate financial goals and dreams!”

• ·         Focus – As I teach my Alchemist Mentorship students, be sure to focus on the most important thing that will have the greatest impact on your being able to get closer to achieving your goals, instead of simply having a “To Do List” full of trivial and easy tasks simply for the reason that you can make a bunch of crosses and say how much you have done for the day, rather begin with the one thing which will really bring you closer to achieving your goal and if you only manage to make one cross on your list for the day, at least it would have been spent doing something which is worthwhile and has brought you closer to your dreams and goals.

• Set yourself power goals and break them down – By having a very definite and defined end goal, you will have given this power goal substance, the more descriptive and intensely you can see, feel and believe in this goal, the more real it becomes in your subconscious. But be sure to also break it down into a definite plan of action comprised of smaller achievable goals, so that you are able to aim for the sub goals and mark them off on a regular basis so as to keep you motivated and focused on the power goal.
• Self belief – Ignorance is the owner of lack of self belief! If you have taken the time to invest in yourself by gaining the correct knowledge you need to be able to do something, then there is no reason for you to doubt yourself and the fact that you will succeed. No matter what the obstacle is which is preventing you from believing in yourself, the answer to overcoming it lies within your ability to educate yourself as to how to overcome it and if you know you have chosen the correct form of educating yourself as to overcome the obstacle and it feels right, then there is no reason for you to not believe in yourself.
• Don’t wait to receive so as to give – If you are going to wait for that big payout before you are willing to give, chances are that payout will never come as you are harboring a negative mindset which tells you that your dreams are not yet a reality and therefore you must hold back. You see the secret also is to be able to see your dreams being a reality before they are so as to bring them into manifestation.

It is not a possibility but a fact that when two or more people are sharing the same residence, no matter how they love or respect each other, there will be times when arguments arise. However it is not the fact that there are disagreements which matters but rather the way in which we choose to handle them that matters and makes the difference.

It is not a possibility but a fact that when two or more people are sharing the same residence, no matter how they love or respect each other, there will be times when arguments arise. However it is not the fact that there are disagreements which matters but rather the way in which we choose to handle them that matters and makes the difference.

• Tone of voice and body language – By simply taking aggression or confrontation out of your tone of voice and body language when you feel strongly about something or do not agree with what is happening or being said will make a great difference when it comes to a simple disagreement and something developing into a full blown argument. Try to be more relaxed and gentle in your approach as much as possible.
   
• Keep lines of communication open – Always try to listen effectively to what it is which your other family members are saying and learn to trust one another and give each other the benefit of the doubt, if a family member comes to you and tries to tell you something, let them finish and then support them rather than going off at them if it is something which upsets you personally. At least this way they will know that they can speak to you about anything and the bonds of trust and communication will be far stronger.
   
• Keep the disagreements to those concerned – If you and your spouse are having a disagreement, keep it between the two of you as involving the entire family serves no good if it does not concern them and breaks down the moral of the entire family as a unit. I guess what I am saying here is try not to argue in front of the children when the argument does not concern them.

• Take a breather – If you see that the argument is becoming too emotional or heated learn to take a breather by stopping the argument before insults begin to fly which leave long term scars which nobody needs. Stop the argument and agree to talk about it again in a few minutes, but let all parties concerned simply take a few minute to think about what has been said in peace and quiet and regain composure.
   
• Accept that you might be wrong sometimes – While taking your breather think about all that has been said, not only what the other person has said, but also what you have said and how you said it, be honest with yourself and be willing to see that you may have been wrong and have said hurtful things in the heat of the moment.
   
• Learn to say sorry – Learning to say sorry is very important as it helps to defuse and shorten a lot of unnecessary arguments, if you realize that you might have hurt someone in any way during the argument, be man enough to apologize as this helps to heal the hurt that was caused and helps them and you to be able to forgive and forget.
   
• Analyze the argument – Sometimes arguments are not a result of something which you did but rather a sign that the other person is hurting, always try to recognize this aggression for the other emotion which drives aggression being hurt, their lashing out at you might be nothing more than a cry for help.
   
• Remember the love – Remember above all that you actually love this person and no matter what the argument is about which you are having, you are together because you love each other and your main goal should not be to win the argument, but rather to get the conflict solved in the most peaceful way you can for it to be a win-win situation for all involved.
   
• Forgiveness – When you have resolved the argument, be sure to forgive one another and accept that the problem has been solved and then forget it and move on, bearing grudges and bringing up past arguments will never have a beneficial result on any relationship.

Most of us have heard people saying that you can achieve anything so long as you put your mind to it and this is one principle which I teach to my Master Key students. No matter how big or outrageous your goals and dreams are, if they are approached with the correct mindset, there is absolutely no reason why they should or will not become a reality.

Budgeting is an essential and actually very easy process for any household but yet the vast majority of people simply neglect doing a monthly budget as it seems like too much work. I personally believe that this is not the case and it is actually that most people are actually afraid of finding out their financial standing by doing a budget.

• Goal setting – Before you even begin to plan your budget, be sure to make a list of your financial goals so as to help motivate you and the family to stick to the budget which you workout so as to be able to achieve these goals. Make these goals available to all in the family to see on a regular basis so that you are all able to stay focused on where it is which you are headed financially.

• Calculate the household income – Make a list of all the streams of income coming into the home every month and the amounts which each brings in. Remember to include all forms of income, whether they are in the form of salaries, interests earned, investments or even bonuses. Be sure to include every form of income what so ever on the list.

• Calculate the household expenses – Make an accurate and complete list of every expense which the household has every month and list each expense separately and the amount which is needed to cover it. Remember to include daily expenses as well such as petrol, lunch, toll fees and any of the many other nominal expenses which you might have. Also remember to list your savings account as an expense which needs to be paid on a monthly basis.

• Do the maths – Now all you need to do is to calculate where it is that you stand financially, add all your incomes together and then all of the expenses. Then subtract the expenses from the income and there before you, you will have the answer to where you stand financially.

• If you are cash flow positive – If the result which you get shows that you have extra money available, in other words you are cash flow positive, then you can begin to decide how best to use this surplus so as to begin to achieve the goals which you have set for yourself. You might want to use it to pay of outstanding amounts on credit cards far quicker or to invest it so that it can grow.
• If you are cash flow negative – If your expenses are more than the income then you are in a very financially dangerous position which is known as being cash flow negative. If this is the case it is time for you to start making a couple of difficult but very necessary decisions as to how to remedy the problem.

Financial wealth is easy to achieve if you have the correct mindset and understanding of what wealth actually is. If one takes the time to invest in yourself by learning who you are and what exactly it is which you want to achieve financially, then the rest will fall into place.

• Always have definite goals in sight – Be sure to know what you are aiming for, the goals which you set for yourself should be absolutely clear and structured so as to give you a definite destination which you wish to achieve.

• Essential organization – Know that you have a very clear and distinct picture of what it is which you want to achieve in your head, it is time to figure out how you will go about achieving it. I always say that a Wealth Creator is an action taker and unless you are willing to take action, you will never succeed.

• Lights, camera ACTION! – How many successful films would there have been if the lights and camera were there but there was no action? The secret to becoming wealthy in any area of your life is for you to begin to take action.