1. Don't own a smart phone.
2. Don't have a car payment.
3. Don't smoke cigarettes.
4. Don't play the lottery.
5. Purchase my Financial E-Course.
6. Live Cheaply
7. Be Positive about Your Money.
8. Financial Course.
9. Decide what is important to you.
10. Simplify Your Christmas Shopping.
11. Save (and Roll) Your Change.
12. Don't Drink a lot.
Money Saving Secret #13. Keep track of everything you buy for one month!
Peace Love and Money Management