My Wealth Desire

Wealth Building Strategies & Steps to Financial Success

April 9, 2015
by Wealth Desire

Do Not Spend Money for Your Child Birthday But Invest It for Your Kid’s Future

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Best Expenses for Child Birthday

Best Expenses for Child Birthday

A big mistake in celebrating your child birthday is to spend huge amount of money for the party. When your child is still young, he will not appreciate the celebration. Most of the cases, the reason of celebrating luxuriously is to impress our friends and family that we can afford it.

For me the best way to celebrate birthday with your kids is to express gratitude to God for another year of your child’s life.

I firmly agree of what Oprah Winfrey said, “The more you praise and celebrate your life, the more there is in life to celebrate.”

In fact, every time you thank God or to the Universe, the more blessings, more life and good health that you will have.

Just recently, I noticed that most of our family friends are celebrating their kids’ birthday in a hotel or expensive restaurants.

Then after the celebration they realize that what they spend for the party is not worth it.

Instead of spending money for birthday celebration, you can put that money into investment or for your kid’s education.

Smart Ways to Use Your Money For your Kid’s Future

Smart parents are those who plan and consider the financial future of his or her child.

Best gift for kid's birthday

Best gift for kid’s birthday

Actually, spending money for investment or education funds is the best gift you can give to your child.

Remember that what you do today will affect the future of your child.

1. Invest in stock or mutual funds

Keep your money work for you through investing in stocks or mutual funds. My best tip is start with a little and let it grow.

Again research and educate yourself in this kind of investment before jumping in.

Let say you want to spend $2,500 for birthday party and instead you will invest it.

Assuming 10% interest gain annually and after 10 years it becomes $6,484. If you let it grow for 15 or 20 years, the future amount is $10,443 and $18,618 respectively.

That is the magic of compounding interest.

2. Start saving for college funds

Another smart way to use your money rather than spending it for birthday party is to start saving for college funds.

Education is one of the best legacies that you can give to your kids.

This is to ensure that finances are not a burden when you’ll send your children to college.

Earning a college degree boost your child chances of getting high paying jobs. With a higher education, it gives advantage or edge for better opportunity and promotion.

By doing this, you are helping your child/children to avoid student loan or debt as well. Student loan is bad and stressful as soon as your kids start paying it.

3. Buy gold coin or silver bullion

Buying gold coin is very easy. You can start buying gold once a year. As of this writing the price of American Gold Eagle one ounce coin is $1,245.76.

You can buy two coins for less than $2,500 budget.

It is an excellent option to invest on actual gold. In time of crisis gold can easily be converted into cash.

Gold is acceptable in most countries of the world as money.

The average price of gold per ounce on year 2005 is $444.74 and the average rate for 2015 (March 23, 2015) is $1,221.12.

Historical data shows that gold price is keep increasing significantly.

If you can hold your gold coin for ten years probably you will earn $700 per ounce.

Bottom line

Celebrating birthday party is costly and tiring. It will give memory and happiness for your kids.

However, if you spend the same cost of birthday party into savings or investment, it certainly will help the financial future of your kids.

The best thing parents can do for his child is to plan and prepare his/her future wealth.

Lastly, I will share this proverb from Confucius; “A man who does not plan long ahead will find trouble at his door.”

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March 26, 2015
by Wealth Desire

Simple Ways to Increase Wealth Significantly

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Ways to Increase Wealth

Ways to Increase Wealth

Learning the simple ways to increase wealth is the best step that you can do to improve your finances.  It is very true that knowledge is a very useful tool in making money or in growing your wealth.  Successful people became wealthy or became self-made millionaire because of valuable knowledge.

Bill Gates, Warren Buffet, Carlos Slim and many others became rich because of their wisdom and knowledge about saving, investing, acquisition and money management.

The real methods of increasing wealth are not complicated. 

In fact, you can grow your wealth without too much hard work.

If you’re looking for a solution to grow your fortune, getting a second or third job is not always the best answer.  It does not make sense to have many jobs then at the end of every month nothing left behind to save or to invest.

Most people reached their financial success because of wisdom. It became their weapon how to make their money make more money.  They have solid information on how money works for them.

I firmly believed that if a person has knowledge about wealth creation can certainly build wealth from nothing.

Keep reading below to learn the fantastic ideas that certainly increase your money and fortune.

Excellent Methods to Increase Your Wealth

“Wealth can only be accumulated by the earnings of industry and the savings of frugality.” – John Tyler

  1. Spending Less

It is a smart decision to manage properly every penny you have.  As soon as you start receiving your pay check always consider how you will spend it.  Spending less is the ultimate key to increase your wealth.


Warren Buffett and other rich people are very frugal.  They focus on spending things that has big potential returns.

It is their burning desire that compel them to adopt frugal living.  They know by spending less they can save more money to invest or to buy assets.

Your assets and investments are the excellent financial tools to grow your fortune.

Simple Methods to Increase Wealth

Simple Methods to Increase Wealth

  1. Take advantage of the free money

Getting free money is the excellent method to grow your wealth.  One of the common or popular free money that we can earn is the 401(K) or social security contribution in other countries

In every contribution in your 401(k) plan your employer or company match with certain amount or percentage.  Your company’s contribution toward your retirement plan or social security funds is the absolutely free money.

Another benefits of retirement plan like 401 (k) is tax deferred.  Meaning your tax is calculated after deducting the amount you contributed to your 401 (k).

Another example of free money is credit card’s rewards, voucher or coupon.  I purchase gold jewellery for my wife out from my credit card rewards.  I can turn gold into cash easily.

  1. Increase your Income

Sometimes to increase your pay is impossible but achievable. As an employee the simplest way to increase wealth is to increase your pay.

It is astonishing truth if you have high income job you can invest bigger amount. My best advice is keeping your cost of living low so that you have more money to save and invest.

It is possible also to increase your fortune with a low income.  However, it is faster to build wealth if you have a higher income with low expenses.

Remember that a higher income is definitely helpful in growing your wealth.

  1. Reduce your taxes

Another brilliant step to raise your wealth is to learn the tax loophole that you can reduce your tax legally.

Any money you save from paying low taxes you can use it to make more money.  One of the excellent ideas is to invest it.

It is fantastic tips that any extra money can increase your wealth.

You can ask your accountant or lawyer to help you how to take the advantage of tax law.

What are the best ways to reduce your taxes?

Having an ample knowledge about taxes can ease your path way to get rich.


Acquiring knowledge to increase your wealth quickly can increase your chances to be financially successful person.  Knowledge is not power.  It became powerful when we applied it.

The same principle also applies when it comes to your finances.  You will absolutely boost your wealth if you will apply the simple ways to increase wealth.

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March 5, 2015
by Wealth Desire

Biggest Lessons I Learned Working From Someone

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Biggest Lessons Learned while working

Biggest Lessons Learned while working

One of biggest lessons I learned working with other people company is to get out from being an employee.  In fact, we are trained and educated from school to get a job after college.  It is the trend since the start of industrial age that most people earn for a living by working in a company.

Rich and affluent families are the major holder and owner of the biggest companies in the world we are working with.

It is inculcated in our minds that to earn money and to survive in this world, everyone should work to the affluent people companies.  The working people are programmed to do the task according to the instruction of their bosses.

Actually, there is nothing wrong earning income through working in a decent job. The most important is how we manage the income.  How to grow the hard earned money? 

Start learning how to let money work for you.  By educating yourself in financial education, you are preparing yourself to get out from the rat race.

I am working in the Middle East for more than a decade and there is ups and downs.  I invest most of our family income in real estate in Asia.  We paid off our house and we purchase also 2 bed room condo unit.

Speaking up downs, I learned a lot 3 big lessons working in a company.  These lessons taught me how to invest myself and my hard earned money.

I learned a lot about financial education and I applied it in my personal life.

Important Lessons I Learned from Working


Hard to Achieve Financial Security

Yes, achieving financial security by working with your job is possible but is very hard and it will take too much time.

I observed that if my family income is tied with our salaries, reaching financial freedom is just only a dream.

You can receive consistent and on time salary if you are working on big companies that are financially stable.

But my company is run by a micromanagement style and does not prioritize the compensation of their workers or staffs.

Most of the government bodies in Middle East are not very strict when it comes to labor rights and labor law.

Another factor that could be considered as a big burden in reaching financial security if you are working in Middle East is the unstoppable rising of cost of living.

Cost of living keeps rising but my salary pay is not.

If you get an increase it is not equal or the same percentage of the increase of cost of living expenses.

Related topic: Achieving Financial Success – 5 Steps to Achieve It Easy

Important Lessons Working with your Job

Important Lessons Working with your Job

Income is Unstable

One of the bad things working with someone is your income is not stable and irregular.

I am working in one of the vibrant cities in the Middle East and I am receiving my salary very late.  Yes not only too late but also too much delayed.  My salary is delayed for about 4 months now.

To manage and control our finances is not easy due to this circumstance.

The moment you started working with someone, you cannot control the flow of your income.  You don’t have any idea if you will get your benefits or pay on the promised date.

Related topic: Building Wealth from Scratch Success Stories of Top Billionaires

No Personal Freedom

Working with someone’s company, definitely lose our own freedom.  Most of the companies in the world or even in first class countries; the flexible timing is not acceptable.

In my case, Friday is only my off and it is very hard for me to get a day off on Saturday and Sunday.

It is difficult to get out from my bed while my wife is off and still sleeping.  I have no choice but to force myself to get off from bed to work.

If I want to take leave it is like I have to beg from my boss to allow me.  Sometimes, I want to take off in order to celebrate my kid’s birthday but my boss would suspect me that I am going for a job interview.

Working as an ordinary employee, our action and decision making is limited.  We cannot make huge financial decision because most of the time you are afraid to lose your job.

Related topic: Amazing Reasons to Start your Own Business

Most Employees Focus on Shopping rather than building fortune.

Most Employees Focus on Shopping rather than building fortune.

Bottom Line

Working is fulfilling because it is a realization of your dream to become a professional.  For me, I like my job because it is involved in building construction.  I feel fulfilled to see any structures that is completed knowing that I was involved in the team doing it.

However, the pain comes when you are not compensated.  When they are not giving their employees their benefits and wages on time.

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February 26, 2015
by Wealth Desire

Do You Have These Eight Best Personal Finance Mobile Applications (Apps)?

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Best apps for personal finances

Best apps for personal finances

You want to get rich, don’t you? Managing your wealth or money nowadays is easy and handy.  With the help of best personal finance mobile applications, you can surely get rich.  Definitely you can control your finances and get motivated to invest with the advance apps from your iphone, android or any smart phone.

In fact, using phone is popular for more than 100 years.  However, in recent years there are many trends of using phone that help improved our financial life.

Personal finance mobile applications are power tool.  Just a click away you can track down your expenses and investment.

If you are a busy person, there is no excuse that you cannot save and invest your money. The internet, smart phone and the cool financial applications are the smart solution to control your finances.

8 Best Apps for Personal Finance

I am pretty sure that these 8 best apps for personal finances can increase your chances to get rich.


  1. Billguard

Billguard is one of the free and top rate personal finance apps that can easily tracks your own spending habits and can help you save money because of budgeting platform.  It used to scan credit cards and debit card to protect your card from scam.  It has features that can protect identity theft or fraud.

Using this best mobile application can help you manage your money easily.  You can see what you are spending and what the charges from your cards are.

  1. Mint

Mint is another best iphone and android apps for personal financial that collects all your financial information into one platform or account.  Using this application can track your investments, expenses, bank account, credit cards, debit cards loan transactions and many more.

I like this application because it can remind us of our bill due date and we can create our own budget as well.  You can also monitor and see your credit rating using your smart phone.

This mobile application is only available in USA and Canada only.

Best Personal Finance iPhone Apps

Best Personal Finance iPhone Apps

  1. Checkbook

Checkbook is very simple personal finance iphone application because it does not requires you to sign in for account and to link to your bank account.  It is a very convenient way to reconcile your checkbook with your other bank accounts.

With this application you can avoid over drafting with your account.  In addition to, you can also view your monthly statement of different accounts.

  1. PayPal

PayPal is one of the greatest and safest money internet applications.  You can use this to transfer money and payment online.

Recently, PayPal launch digital wallet that can be used to pay most of your online transactions smarter and simpler.  This top rated financial application can be acceptable in most of the countries around the globe.

  1. Wally+

Wally+ is a smart mobile application where you can monitor and control your money.  Using this application you can bring your financial life into handy mobile.  You can manage your account into one place wherever you are as long as there is Wifi connection.

This is commonly use in Middle East and U.A.E.  You can balance your income and check your expenses easily and remotely.

Top rated personal finance apps

Top rated personal finance apps

  1. SigFig

SigFig is a great mobile apps to track all investment portfolios in one place.  You can also invest with low ETF portfolio using SigFig.

In fact you can view the real time performance of your stocks, ETF and mutual funds from your smart phone or iPad.  This is designed to manage and improve the growth of your investments.

  1. SavePlus

SavePlus is the solution to save for the busy people.   You can save money while on the go without time constraint either for retirement or for emergency funds.

Every time you spent, certain percentage of amount will automatically transfer to your savings account.  This is simply following the basic simple rule of improving financial being, paying yourself first.  It is like you are paying tax against the amount you spend.  This tax goes directly to your personal savings account.

  1. LearnVest

Learnvest boasts various features from tracking down your expenses to monitoring your financial goals.  In fact, with your handy iphone or android mobile you can view your available money and progress of your goal.

You can connect all your accounts using this top finance mobile application.  Then you can easily manage your income and expenses and at the same time you can budget your money with this application.

LearnVest gives convenience and simplicity to the end user.  I love their additional feature, providing various financial education articles and tips.

            RELATED TOPIC:

                        Proven Ways on How to Get Richer

                        Top Ten Best Personal Finance Books to Become Financially Successful

                        How to Make Money on the Internet and Get Rich Quick

                        7 Best Wealth Strategies to Get Rich and to Get Out of Rat Race

                        Key To Wealth Building – Secret to Get You Rich Fast

Bottom line

Improving our financial being through good financial management mobile applications can be achieved easily.  Technology and internet are important to connect you and your portfolio or your money.

You can choose the best suitable mobile application that will fits your need.  It is not necessary to have it all.  The most important is you have at least one or two personal finance mobile application to track your finances.

Photo Credit:  1, 2,

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February 12, 2015
by Wealth Desire

Lessons from Young Self Made Billionaires That You Need To Learn To Get Rich

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Famous Young Self Made Billionaire

Famous Young Self Made Billionaire

Learning lessons from young self-made billionaires is one of the best things we could invest to our life.  By discovering their secrets or how young billionaires build a successful business empire is very inspiring.  It motivates to all people from different walks of life to be creative, optimistic, and to be an achiever.

The level of financial success and achievement of young money billionaires and how they made it is astonishing.  In fact, every accomplishment, inventions and ventures of these young achievers have great impact in human life.

I researched and gathered information about billionaires’ habits and self-made billionaires stories that we could learn lessons.  Building multi-billion businesses and accumulating billion of net worth are not easy.

Life Changing Lessons from Young Billionaires

There are 7 lessons that we need to learn from the self made billionaires and could help us to get rich.


  1. Inspire with your dream and target it

Young self-made billionaires are motivated with their dreams and goals in life.  They build their wealth from nothing because of their dream.

The famous young billionaire of our generation is Mark Zuckerberg, started Facebook from his big dream.  He became inspired with his vision and eagerness to share it with other people.

It is true that the first ingredient to succeed is a great dream.  Dream creates a program in your mind and it became part of your subconscious mind that stimulates you to target your goal


Related Topic: How a 28 Year Old Become World’s Youngest Billionaire

  1. Solve the common problems

The new rich people are those young men and women who can solve the common problems.  They get rich because of their products or services that solve the human problems or help to improve the life of most people.

Forgetting to bring USB or external drive is one of the common problems among people.  Then Dropbox was invented to have cloud based storage and back files services.  Dropbox was founded by Drew Houston, one of the young self-made billionaire.  This is the product of new technology to provide a worry free storing and sharing files.  No need to worry if your hard drive will crash or your house will get burned.

In short, young billionaires invented new products or services that can solve the problem of most people.  Then their products became in demand in the global market and brought huge income and great returns for them. They get rich by inventing and creating new technology that improve the life of human being.

Lessons from Young Billionaire

Lessons from Young Billionaire

Related Topic:  How to Get What You Want in Life

  1. Now is the right time

Successful young billionaires are not fond of procrastination.  As soon as they realize that there is opportunity, they grab it.  The perfect time for them is now and not tomorrow or next day.

One of the young billionaires is Mark Zuckerberg wherein he did not wait to finish his degree to start student directory and then Facebook.  He dropped out from Harvard University to make his dream a reality, to make a successful student directory from “Photo Address Book” into “Facebook”.

Some of these young successful people launch their business while still working.  They didn’t wait to quit from their job before starting it yet they do a lot of stuffs during their spare time.

Related Topic: The Best Secret on How to be Financially Successful Person

  1. Doing what you love to do

This young generation self made billionaire reap billion of dollars that was started out from doing what they love.

Robert Pera was working before in Apple Inc., as a hardware engineer, however after 2 years he quit his promising career to do what he loves to do.  He is obsessed to succeed on his own rather than working with someone.

In 2005, he founded the Ubiquiti Networks Inc. to provide cheap internet access.

Related Topic : How to Achieve Goals and to be Wealthy

  1. Taking risk

Fear is the one that hold us to succeed.  We are afraid to take risk.  Because of fear, we did not make the first step to venture into business.

Not like this young risk taker billionaires, they don’t mind the danger of every action, decision or ventures they are taking.

They know that the riskier their investments are the greater wealth they can accumulate.  Even though they failed on their first attempt, they still stand up and pick up the pieces.

Eduardo Saverin, one of the co-founder of Facebook takes a risk to renounce his US citizenship to protect his wealth and to reduce capital gain taxes from US government.  He takes the risk in order not to lose money from the high rate of taxes in United States.

Young Self Made Billionaire

Young Self Made Billionaire

Related topic: 15 Good Habits of Highly Successful People

  1. Stay focus

One trait of young billionaires that I respect is being focused on one goal at a time.   Young self-made wealthy people reach the superb level of success because they concentrate their mind and energy on one goal.

Being focused on one thing resulted to a huge rate of success.  Concentration can help to boost the things done easily and quickly.  That is why they accumulated huge fortune at young age because of these habits.

In fact, avoiding distraction on every business endeavour can bring it into the right direction.

billionaires become successful not because of chance or luck but because of their desire to get the things done while they are still young.  They focus on meaningful action without wasting time.  They control their own life because of staying focused.

Below is a clip from Saverin’s interview and his comments about Mark Zuckerberg.

Mark Zuckerberg Focus

Mark Zuckerberg Focus

Related Topic: Why Wealthy People Are Living Below Their Means

  1. Start small and make it big

What I learned from them, they start their venture small but they grow it big.  They aggressively acquire capital from different angel investors to expand their business.

Drew Houston, co-founder of Dropbox is one of the prominent young self-made billionaires.  He and Arash Ferdowsi founded the Dropbox Inc. on June 2007.  They started their business small as an online storage and back up service.  On September 2007 they moved their business to San Francisco and they got more capital from Y Combinator, Accel Partners, Sequoia Capital and other investors.

Now Dropbox Inc. is a multi-billion company that caters any organization or individual for back up, LAN networks, sharing files and many other IT services.

The same with Jan Koum.  Though he has big business ideas but started first his company in small scale.  He incorporated WatsApp on February 2009 in California as a messenger application.  At first it is free and to keep growing his business into profitable one, his team decided to make it a paid service.  Like other business, to grow into a global arena they sell it to Facebook.  The acquisition is worth of $4 billion cash and $12 billion Facebook shares and $3 billion shares for Jan Koum and Brian Acton.

Related Topic: Building Wealth From Scratch Success Stories of Top Billionaires

Bottom line

If we have big ideas and we know there is a potential to have impact in the global arena then you can go for the next level.  It is not enough to dream and to write a goal without action.  Action is the key ingredient that these young adult bring their life into billionaires club.

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January 29, 2015
by Wealth Desire

Best Phrases for Your Health is Your Wealth Quote

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The greatest wealth is health quote

The greatest wealth is health quote

Health is the greatest wealth of man.  Invest in your health because it is your number 1 asset.  If you are not healthy, your mind and brain is affected. You cannot think and decide which is better for your success.

Most of the time you miss to grab the opportunities once your health is not stable.

It is not the money or your income your number one asset. The first and the most important asset is you.

So, it is important to care your body and your health.

Healthy well-being can produce a wealthy mind. I will share the top health is wealth quotes.  These inspiring sayings about wealth and heath will give the real “health is wealth” meaning.

Here is the 10 best phrases for your health is your wealth quote.

  1. “Health is the great of all possessions; a pale cobbler is better than a sick king.” – Isaac Bikerstaff
  2. It is health that is real wealth and note pieces of gold and silver.” – Mahatma Gandhi
  3. “The first wealth is health.” – Ralph Waldo Emerson
  4. “To get rich never your risk your health. For it is the truth that health is wealth of wealth.” – Richard Baker
  5. “He who has health, has hoe; and he who has hope, has everything.” – Arabian Proverb
  6. “Early to bed and early to rise, makes a man healthy, wealth and wise.” – Benjamin Franklin

    Health Is Wealth Quotes

    Health Is Wealth Quotes

  7. “Heath is like money, we never have a true idea of its value until we lose it.” – Josh Billings
  8. “Time and health are two precious assets that we don’t recornize and appreciate until they have been depleted.” – Denis Waitley
  9. “A wise man ought to realize that health is his most valuable possession.” – Hippocrates
  10. “You cannot enjoy your wealth, if you cannot enjoy your health.” – Unknown



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January 22, 2015
by Wealth Desire

What to Do With A Pay Raise

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What to do with a raise on your salary?  This is a common question I encountered from my friends who got salary raise as they welcome the New Year.  Actually, in the middle of last year I got a salary increase. Though the amount of increment is not as my expected one but I am still grateful to receive it.

It means my company appreciates my hard work and my dedication to my job.

What to Do With a Salary Increase


I want to maintain my cost of living so that I could not include my increment to our monthly expenses.  If you ask me what will I do with my salary raise, I will do like what successful rich people do. I will save my raise amount.

Yes, it is practical to make the most of your pay raise by saving rather spending on unnecessary things.  I don’t want to spend it to buy gadgets, clothes or to spend vacation.  Expenses like these have no return value at all.

I like the idea of saving like what rich people do. Then I will use it as a capital for my investment or business venture.

What I observed from most of the people is when their income increases their expenses increases also.  It is by nature to people to live and spend based on his income level.

                Related topic:

Secret for Getting Higher Salary


Save Salary Raise to Achieve Financial Freedom

Save Salary Raise to Achieve Financial Freedom

In our society, low income family purchases a house and lives in an affordable community.  They send their kids in public schools.  The worst is they are eating unhealthy foods.  Healthy foods are expensive in most modern cities nowadays.

High income or middle class people live in the middle class community.  They send their kids in private or good schools.  They wear branded clothes and watches.  They maximize their income by eating outside most often.

Poor and middle class people spend on liability to show up or pretend that they are rich while the wealthy people are always hungry to buy assets.  Assets can surely give substantial return over time.

What I like one of the good habits of the highly successful people is buying items that will have in return in the future.  They buy businesses or assets to leverage their money.  Rich people acquire more and more assets in order to receive multiple stream of income.

I found out that affluent family desire higher revenue from multiple stream of income in order to buy freedom and to live their dream life.

                Related topic:

                                Tips on How to be a Millionaire


The big difference between the poor and the rich people is how they use or spend their money or income.  Rich people want to buy time in order to have freedom to utilize their precious time. They want to spend more time with their family.  They care to spend their time to do what they love to do most.

Poor and middle class want to sell their time to wealthy people in exchange of money and we called it salary.  They look for job where they can trade their time with the affluent people.

How to Make the Most Out of a Pay Raise


The most important for me is to quit a job as soon as possible.  I want to have a personal and financial freedom.  I don’t want an idea of begging from your boss if I want to take a vacation or leave.

I want to save more and more money in order to quit from my present job.  That is why any extra income or pay raise I will automatically put it into savings account.

                Related topic:

                                How to Build Wealth from Scratch – as an Employee


Save and invest wisely your pay raise so that you can enjoy it later with your family

Save and invest wisely your pay raise so that you can enjoy it later with your family

I want to explore and take the adventure of starting and running my own business.  For me, having worked with someone is enough.  I am happy for all those years that I gained experience and I learned lessons of life.

Bottom line


Without saving you cannot get out from the rat race.  You cannot reach financial freedom if you are still spending more than what you earn.

Regular pay raise is good and it can be helpful to save more money.  The higher amount you put into saving and investment the earlier you can reach your financial goal and freedom.

Invest your salary increment and when you get rich do not forget to visit this place

Invest your salary increment and when you get rich do not forget to visit this place

A little sacrifice of being frugal in order to save more money will have a great impact of your financial life tomorrow.   Elbert Hubbard said, “The best preparation for good work tomorrow is to do good work today”.

                Other interesting topic:

                                No. 1 Secret of Rich People

                                How to Stop Overspending Money & The Ultimate Key to Create Wealth

                                Amazing Reasons to Start Your Own Business


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January 15, 2015
by Wealth Desire

25 Best Quotes About Frugality

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Reading the best quotes about frugality empower one’s life to focus on improving financial being. Get inspired and motivated from the great ideas of some leaders, gurus and writers to manage your finances, creating financial planning and working your financial goal.

Successful people love to read inspiring words and quotes.  They know that encouraging words of wisdom stimulates their mind and inspires their heart while creating their own future.

I am happy to share these 25 living below your means quotes. In fact, living below your means is one of the great habits of successful and wealthy people.

The Best Quotes About Frugality


You can share these thrifty quotes to anyone you could inspire to start their new financial life or to anyone you know that can focus or encourage practicing frugal living and living below your means.

“Whatever your income, always live below your means.” – Thomas J. Stanley


“There is no dignity quite so impressive and no one independence quite so important, as living within your means.” –  Calvin Coolidge


“Be industrious and frugal and you will be rich.” – Benjamin Franklin


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“Deprive yourself on nothing necessary for your comfort, but live in an honourable simplicity and frugality”. John McDonough


“Frugality, I’ve learned has its own cost, one that sometimes lasts forever.” – Nicholas Sparks


“Without frugality none can be rich and with it very few would be poor.” – Samuel Johnson

Billionaires who practice frugal living

Billionaires who practice frugal living

“Thrift is not an affair of the pocket, but an affair of character.” – S.W. Straus


“Being frugal does not mean being cheap! It means being economical and avoiding waste” – Catherine Pulsifer


“By Sowing Frugality we reap liberty, a golden harvest.” – Agesilaus


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“I’m frugal. I’ve always been this way. When I was young, my mom would give me my allowance and I’d peel off a little each week and have some to spare.” – Tyra Banks


“I believe that thrift is essential to well- ordered living.” – John Rockefeller


“There are plenty of ways to get ahead. The first is so basic I’m almost embarrassed to say it: spend less than you earn.” – Paul Clitheroe


“Beware of little expenses; a small leak will sink a great ship”. Benjamin Franklin


“Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.”  – Will Rogers


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“Simplicity is the ultimate sophistication.” – Leonardo da Vinci


“We make ourselves rich by making our wants few.” – Henry David Thoreau


“If you realize that you have enough, you are truly rich.” – Lao Tzu


“Wealth can only be accumulated by the earnings of industry and the savings of frugality.” – John Tyler.


“He who does not economize will have to agonize.” – Confucius


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“No man is rich enough to waste his money in putting on style.” – Gustavits F. Swift

The legend frugal couple, they are living below their means

The legend frugal couple, they are living below their means

“It is thrifty to prepare today for the wants of tomorrow.” – Aesop


“The way to wealth depends on just two words, industry and frugality.” – Benjamin Franklin


“Thanks to my mother, people tell me I look younger than I am, especially without make-up. And I suppose my father had a part in making me more frugal with my money.” – Dita Von Teese


“If you know how to spend less than you get, you have the philosopher’s stone.” – Benjamin Franklin


“The art of living easily as to money is to pitch your scale of living one degree below your means” – Sir Henry Taylor


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Bottom line

Inspiring thrifty proverbs sum up great ideas into few words.  Hope these great quotes can encourage other people to live everyday simply and contented.

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