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成就百万秘诀八:Secrets of Success

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Success secret number eight

Pay Yourself First

Save and invest 10% of your income throughout your working life. Take 10% of your income off the top of your paycheck each time you receive it and put it away into a special account for financial accumulation. Anyone, even a minimum wage person, if they start early enough and save long enough, can become a millionaire in the course of time.

It was once said that, "If you cannot save money, then the seeds of greatness are not in you." Developing the lifelong habit of saving and investing your money is not easy. It requires tremendous determination and willpower. You have to set it as a goal, write it down, make a plan and work on it all the time. But once it locks in and becomes automatic, your financial success is assured.

Practice frugality, frugality, frugality in all things. Be very careful with every penny. Question every expenditure. Delay or defer every important buying decision for at least a week, if not a month. The longer you put off making a buying decision, the better will be your decision and the better price you will get at that time. 

A major reason that people retire poor is because of impulse purchases. They see something and they buy it, with very little thought. They become victims of what is called "Parkinson's Law." This law says that "expenses rise to meet income." No matter how much you earn, you spend that much and a little bit more besides. You never get ahead and you never get out of debt.

But this is not for you. If you cannot save 10% of your income, start today by saving 1% of your income in a special savings and investment account. Put it away at the beginning of each month, even before you begin paying down your debts.

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