Robert Kiyosaki once said that It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for. The best long-term strategy for financial affairs puts in place the disciplines and mechanism that help you save mindlessly and spend thoughtfully. Here are some solution.

Pay Off Your Loan/ Do not take loan. Paying loan off early or not taking loan at all reduces stress. People that clean all their loans especially their house montages can go to bed at night knowing even in the event of a catastrophe they will always have a roof overhead.

Automatic saving or Investment Plans. Make sure you are subscribed to an investment or saving plan that deducts straight from your pay check before you even have a chance of spending any money.

Avoid Credit Cards. “Every time you borrow money, you’re robbing your future self.” –Nathan W. Morris. You should only have one credit card, and it should not be in your wallet. Place it somewhere that requires conscious effort to retrieve it. (For example a locked cabinet or in a safe). When you make a purchase using cash the actual counting of the bills will make you spend lesser.

Invest in your experience. Constantly upgrade yourself with new course. This will create more opportunities for you. Take your family on a vacation rather than splurging on gifts.

Have  passive income. Gain some passive income. Read previous blog post: 4 Ways of generating extra income at home. for more details.

Many people have been asking me how to get rich? How to achieve financial freedom? How can they earn money at the comfort of their home and etc….

To be honest I did asked similar question before therefore I like to share what I have learn with you.

Basically there are 4 ways to earn money at home.

1) Investment: In finance, investment is putting money into an asset with the expectation of capital appreciation, dividends and/or interest earnings. As I do not have much experience in this area I shall not do any further explanation.

2) Forex trading:  Foreign exchange, commonly known as ‘Forex’ or ‘FX’, is the exchange of one currency for another at an agreed exchange price on the over-the-counter (OTC) market. For beginner I strongly advised that you guys went to a piroper forex trading course as it is a big topic by itself. For my case learn Forex from Forex100 in case you are wonering

3)Product Creator: Create your personal product with your own talents. As different people have different skills you might want to create a product that you are good in. For example if you a good blogger create a blog and have people advertise on your blog. Write an eBook show off your language skills and sell them. Help people to edit their photo with your insane Photoshop skills. Design picture, banner and etc with your artistic skills and many more….

You can simply go to Fiverr.com and outsourcing your services.

4) Affiliate Marketer: Market product for people and earning commission. For those that notice this is my main source of income. For those beginner affiliate marketer here are some points to take note when you are signing for your first affiliate program.

I) Starting will be tough but do not give up.

II) Find a program where they will assigned you a mentor that you can go back to when you faced problems and motivate you.

III) Instead of finding someone to teach you how to setup all the technical stuff, join one that will set and them up for you while explain how everything works.

As for myself my first success affiliate program was with Easiest System Ever, I got some of the best mentors that really helped me. After which I went on and create my own brand in the personal development niche NegativityKiller.com