oyed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy an

So you have not got any money now? Don’t despair. You need to build it up bit by bit. It takes time but money makes money and once you’ve got yourself started you’ll make a lot. You’ve got all your life ahead for your career.

First, you must save some money. Now the way to do this is unusual but simple. Out of all the things you spend money on, housing, clothes, travel, food always save this money first. Out of all the things you spend your money on, make sure that the first hour every day of your income goes to your savings.

How do you save this 1 hour a day? Well, it is not too difficult but you need to make a little sacrifice here and there. Stop taking that extra cup of coffee from Starbucks. Don’t have a pastry. Make your own sandwiches for your lunch. Cut back on the evenings out a bit. Less clubbing, less drinking. Less partying. Not, no partying, just less partying.

You don’t have to give up everything. Just work out what 1/8th of your income is, and put that money away. (That is 1 hour a day). And calculate what you need to stop buying to save that amount.

Next make more money. You can take some extra part-time work and put that money away. But here is a better idea – get a better paid job. Work out what you could earn doing something else and then go for it. If you are in a well-paid job now, then make sure you do it well, don’t make trouble for the bosses, work out how you can be promoted to a higher level and then ask for that promotion, or ask for a raise. Tell them you’ll work differently to earn them the money back and you’ll get the raise you want.

But you need to see it from their point of view. If you don’t work well, if you make trouble or are slipshod then they will be reluctant to give you a raise. Or maybe your income is governed by a set of salary rules. In this case, look for promotion to a higher grade, or find another job.

If you are running your own business and are self-employed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy and

very day of your income goes to your savings.

How do you save this 1 hour a day? Well, it is not too difficult but you need to make a little sacrifice here and there. Stop taking that extra cup of coffee from Starbucks. Don’t have a pastry. Make your own sandwiches for your lunch. Cut back on the evenings out a bit. Less clubbing, less drinking. Less partying. Not, no partying, just less partying.

You don’t have to give up everything. Just work out what 1/8th of your income is, and put that money away. (That is 1 hour a day). And calculate what you need to stop buying to save that amount.

Next make more money. You can take some extra part-time work and put that money away. But here is a better idea – get a better paid job. Work out what you could earn doing something else and then go for it. If you are in a well-paid job now, then make sure you do it well, don’t make trouble for the bosses, work out how you can be promoted to a higher level and then ask for that promotion, or ask for a raise. Tell them you’ll work differently to earn them the money back and you’ll get the raise you want.

But you need to see it from their point of view. If you don’t work well, if you make trouble or are slipshod then they will be reluctant to give you a raise. Or maybe your income is governed by a set of salary rules. In this case, look for promotion to a higher grade, or find another job.

If you are running your own business and are self-employed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy an

, and put that money away. (That is 1 hour a day). And calculate what you need to stop buying to save that amount.

Next make more money. You can take some extra part-time work and put that money away. But here is a better idea – get a better paid job. Work out what you could earn doing something else and then go for it. If you are in a well-paid job now, then make sure you do it well, don’t make trouble for the bosses, work out how you can be promoted to a higher level and then ask for that promotion, or ask for a raise. Tell them you’ll work differently to earn them the money back and you’ll get the raise you want.

But you need to see it from their point of view. If you don’t work well, if you make trouble or are slipshod then they will be reluctant to give you a raise. Or maybe your income is governed by a set of salary rules. In this case, look for promotion to a higher grade, or find another job.

If you are running your own business and are self-employed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy an

for that promotion, or ask for a raise. Tell them you’ll work differently to earn them the money back and you’ll get the raise you want.

But you need to see it from their point of view. If you don’t work well, if you make trouble or are slipshod then they will be reluctant to give you a raise. Or maybe your income is governed by a set of salary rules. In this case, look for promotion to a higher grade, or find another job.

If you are running your own business and are self-employed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy an

oyed, then do two things. First of all get more high value customers and drop off the low value customers, work hard at sales – but only to profitable, no trouble, customers.

Next, raise your rates by ten per cent. Do it to new customers first, get them on the higher rate, then you can do it to your existing customers particularly the ones who give you trouble. The only time you’ll lose customers because of a rate rise is when you don’t supply good service. Take it nice and easy and give them plenty of warning.

Now lets start making some money. First, if you are renting then find a way of raising a mortgage and buy your own house. Cut out the rental as far as you can because that just drains your money. Once you own a property or a bit of a property you are beginning to make money while lying in bed. The value of it goes up while you sleep.

Once you have started with your own house to save the rent, then don’t go into a bigger one. Go into a small investment property which you can do up and sell on. Then do this again with another property. Always keep it small until you have built up substantial funds. Never invest more than you can afford to lose if the market crashes, once you have built up your property portfolio. The mistake people make is to get too greedy and go for the big one.

Then when you have money to spare, you can starts thinking about buying some stocks and shares and some gilts and fixed interest securities. You’ll get plenty of new advice at this stage.

Good luck. And be rich.

John