Are you ready to make 2012 the best year you've ever had financially?  Well, I'm up to the task of helping you achieve all of your financial goals, but the real deal is this:  if you want to change your money, you must change your mind, because more money will never solve a money problem; if it could, millionaires wouldn't go bankrupt!  Without proper knowledge, more money will simply make you more of what you already are:  more likely to keep trying to keep up with the Jones' and/or more likely to create bigger bills and bigger problems.   Let me prove it to you:  have you ever gotten a raise, then found yourself with LESS money?   

Well, if you get a raise and then you raise your expenses to go along with it, then you will never have more money to build wealth, you will simply have more bills and more financial bondage!  So the only way to accumulate more wealth is to spend less money WHILE you are earning more money.  My first suggestion is that you start living by the 10-10-30-50 rule (as shared in my first book, Living Check to Monday:  The Real Deal About Money, Credit, and Financial Security): 10% to give - 10 % to save - 30 % for incidentals - 50% for bills.