Prosperity Consciousness

The starting point of all riches is the development of a prosperity consciousness. You must become a financial success in your thinking long before you achieve it in your reality. Both poverty and riches are the result of a state of mind, and the most important single step you ever take on the road to wealth and financial independence is the decision to change your thinking, to impress into your mind an unshakable belief that you can and will achieve your financial goals. This must happen before anything else happens.


When I was growing up, I was fascinated by stories of successful men and women and how they made and lost their fortunes, and then made them over again. I read about the importance of a prosperity consciousness in the book, Think And Grow Rich, by Napoleon Hill, several times. But I never fully understood what it meant until about five years ago. Then it hit me and I've never been quite the same since. Every aspect of my life has improved dramatically, especially in the area of accumulating wealth, since I finally understood what it meant by a prosperity consciousness.

Here are two of the most exciting principles ever discovered in the long search by mankind for the secrets of health, happiness and great personal wealth.

The first principle is this. All causation is mental. All causation is mental. That means that everything that you are or ever will be will be as a result of how you use your mind. You are merely a mind with a body to carry it around with. The entire man made world that you see is simply an expression of thought. Your entire life is an expression of your own thinking. And since the quality of your thinking determines the quality of your life, if you improve the quality of your thinking, you must, you will, inevitably improve the quality of your life.


The second principle is what we call the law of expectations. This law says that whatever you expect with confidence, positive or negative, becomes your reality. If you confidently expect to succeed, if you confidently expect to learn something from every experience, if you confidently expect to become wealthy as a result of applying your talents and abilities to your opportunities and you maintain that attitude of confident expectations long enough, it will become your reality. It will give you a positive optimistic cheerful attitude that will cause people to want to help you, and will cause things to happen the way you want them to happen.


Here are two things you can do immediately to practice these principles in your day to day life:

First, start thinking today in a positive, optimistic, confident way about personal and financial success. Continually imagine what differences it would make in your life if you were financially independent. This is the starting point of developing a prosperity consciousness.

Second, develop your own attitude of positive expectations. Look for the good in every situation. Look for the valuable lesson in every setback or difficulty. Be positive and cheerful about everything that happens and you will be amazed at the difference it makes in your life.


Brian Tracy is the most listened to audio author on personal and business success in the world today. His fast-moving talks and seminars on leadership, sales, managerial effectiveness and business strategy are loaded with powerful, proven ideas and strategies that people can immediately apply to get better results in every area.

Think Like a Millionaire

The most important attitude for financial success is long-term thinking. Successful people think a long way into the future and they adjust their daily behaviours to assure they achieve their long-term goals. In a longitudinal study done at Harvard University in the 50s and 60s, they studied the reasons for upward socio-economic mobility. They were looking for factors that would predict whether or not an individual or family was going to move upward and be wealthier in the future than in the present.

They studied factors like education, intelligence, being born into the right family, or having the right connections. In every case, they found individuals who had been born with every blessing in life who did poorly. They also found individuals who had been born or come to this country with no advantages at all who had been extremely successful. What was the distinguishing factor?

They finally determined that there was only one key attitude that mattered. They called it "Time Perspective." Time perspective refers to the amount of time that you take into consideration when planning your day to day activities and when making important decisions in your life.

People with long-time perspective invariably move up economically in the course of their lifetimes. When you spend weeks, months and years developing your skills and ability and expanding your experience in order to be successful, you have long-time perspective. The average professional person has a time perspective of 10, 15 and 20 years. Begin to see that everything that you are doing today is part of a long-time continuum, at the end of which you are going to be financially independent or financially unfortunate. People with short-time perspective think only about fun and pleasure in the short term. They have what economists call "The inability to delay gratification." They have an irresistible tendency to spend every single penny they earn and everything that they can borrow.

When you develop long-time perspective, you develop the discipline to delay gratification and to save your money rather than spending it. The combination of long-time perspective and delayed gratification puts you onto the high road to financial independence.

Now, here are two things you can do to develop the attitudes of financially successful people:

First, think long-term about your financial life. Decide exactly how much you want to be worth five years, ten years and twenty years from today. Write it down. Make a plan. Take action on your plan every single day.

Second, develop the ability to delay gratification. Instead of buying something on impulse, put off buying decisions for a day, a week or even a month. Decide in advance to "think it over" before you buy anything. This can change the way you spend money almost immediately

Brian Tracy is the most listened to audio author on personal and business success in the world today. His fast-moving talks and seminars on leadership, sales, managerial effectiveness and business strategy are loaded with powerful, proven ideas and strategies that people can immediately apply to get better results in every area.

Increasing Your Earning Potential

In this article Brian Tracy points out the importance of continuously improving your skills and knowledge since this is the most important factors in your earning potential. He says that skills and knowledge in any field is doubling every 3 to 5 years, and that you need to do the same just to stay even. He introduces The Law of Three which says that you have to bring in 3 dollars of income for every 1 dollar you receive in salary from your company. On the end of the article he gives practical tips on how to increase your earning potential.

Debt Consolidation Articles

"Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house. In this case a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower."

Financial Goals

You will need to make a list of goals of what you would like to achieve with your financial planning.

The best is to write down the financial goals in a list of priorities that are the most important to you, and what is absolutely necessary. This can be goals like paying for education, medical expenses, paying of expensive credit card debts and so on. These are all important things that will back fire on you if you let them lapse.

Secondary goals would be paying of mortgages and car loans and other debt that is less expensive then consumer debts.

Then you should make a list of your personal goals, everything that you are dreaming of and wish for. Like having longer holidays, buying a new car, playing golf or whatever. The personal motivation for short term goals are often many times stronger then saving for retirement many years ahead. Saving for retirement is what most people are talking about, but in my personal opinion this should be a secondary side goal that comes along with your primary goals.

What would be the easiest to motivate yourself for: A new flat screen TV next year, or retiring in 20 years?

*This does not mean that you give up paying off your debt, and just buy the TV on your credit card.

*It means that when you have paid off your current credit card debt and saved enough money to buy the new TV, you go buy it if you still want it.

*Maybe you by then have changed your mind and want to save a bit more for something more expensive and more useful.

*Maybe by then you have discovered another opportunity to actually make money on the money you have saved, instead of buying the TV.

*Maybe by then you have discovered how easy it actually is to save money and reduce your debt.

No matter how you look at it, you have to set goals that inspire your motivation. The first priority is clear; you have to cover all the things that you have to have.

Financial Planning

Personal financial planning is important if you want to achieve financial freedom.

The basic idea with the financial planning for financial freedom is to make sure that you are building up funds and assets that eventually will pay for all your expenses.

When you have reached that point you have financial freedom per definition.

The planning is a way of trying to get there as smoothly and quickly as possible without having to sacrifice all 'The good things in life' during the process.

Everyone knows that it is good to have saved some money if there are unexpected things happening, but there are only a few who does something about it.

Why? Because most people think they can't. They think it is to difficult, they don't have enough money, they have to pay of their debt first or any other reason you can think of.

And anyway, saving money is really hard and you have to stay at home and you can never do things you like anymore, like going to a restaurant or to the movies. So that's why people put it off, they have so many ideas about it that they never even try!

It is important not to get to stiff and uptight about this, because then it becomes a pain. If you can not enjoy your journey to financial freedom, most probably you will not be able to enjoy the financial freedom itself. You would probably be too worried about loosing your money, or spending to much of them!

There are a few basics we will cover here and then you will be shown a few other resources that you can benefit from.