This is the shortest article I've ever written, but my clients always love it. They paste it to their mirrors and doors as a constant reminder of how to become financially free.

1. Get out of confusion with money. Always know your finances by creating a financial plan.

2. Establish a debt-free plan, and allow for sufficient time and effort to master it.

3. Set goals and have a flexible plan to work with.

4. Manage your credit cards or if you can't - cut them up..

5. Spend less than you earn.

6. Cultivate "right" thinking about money - know that money is NOT a scarce resource.

7. Apply the correct strategies to your current stage of wealth development.

8. Avoid quick-fixes and too-good-to-be-true get-rich-quick schemes.

9. Create a savings and investment program.

10. Always keep your fixed costs below 40% of your net income.

In summary, all you need to make money is a certain amount of dedication, a reasonable amount of patience, a good strategy and the discipline to stay with it. In essence, you need a well defined program or system that prevents you from going off the rails. Good systems override human error, are simple to follow, require a certain level of planning upfront and contain controls, or rules, that are clearly defined and facilitate self-correction.

The critical difference between wealthy people and those who are not, is: Wealthy people manage their money.

Remember, if you don't manage your finances, they will manage you. No-one deserves to go to bed at night worrying about money. Everyone has the right to be wealthy, and it is simpler than you think.