1) Don’t complaint.

2) Divide you pay into ten equal accounts. This is my plan, you need not follow mine, but it is crucial you learn the lessons here.

3) Categorize each accounts accordingly.

1 - Investment
2 - Emergency
3 - Savings
4 - Savings
5 - Transport
6 - Food
7 - Indulgence
8 - Home
9 - Debt
10 - Bills

4) The first thing to do is to have $1000 in your emergency account. This is the money that you will use in case you have emergencies. Eg. Your pants tore and you need a new one tomorrow.

5) Always maintain $1000 in your emergency account. So if you used $100 of your emergency account, you need to top it back up.

6) All remaining funds will contribute to the debt account until all debt is settled. If there is no debt, all remaining funds go to the emergency account.

7) If emergency account has reached it’s target amount ($1000) than all remaining funds will contribute to the investment account.

Make a list of debt you have. Then arrange it from the smallest to the biggest.

9) Pay the minimum for all the rest except for the smallest debt. Pay as much money as you can possibly spare to clear your smallest debt.

10) Once your smallest debt aka 1st debt has been settled, add the money which you normally would pay for your 1st debt to pay for your 2nd debt. Continue this snowball process until all debt is paid.

11) Do not incur any more debt. Period.

12) If you really want to buy something, buy cash and if only if your budget allows it.

13) Don’t listen to your broke friends and family advice. Do what wealthy people do!

14) Stick with the plan and not only can you will be Debt Ridden and you can start building your Wealth.

A man can do all things if he but wills them.
- Leon Battista Alberti (1404 - 1472)

The true mystery of the world is the visible, not the invisible.
- Oscar Wilde (1854 - 1900)

It is better to deserve honors and not have them than to have them and not to deserve them.
- Mark Twain (1835 - 1910)

Patriotism is your conviction that this country is superior to all other countries because you were born in it.
- George Bernard Shaw (1856 - 1950)

All of us failed to match our dreams of perfection. So I rate us on the basis of our splendid failure to do the impossible.
- William Faulkner (1897 - 1962)

Happiness depends upon ourselves.
- Aristotle (384 BC - 322 BC)

Convinced myself, I seek not to convince.
- Edgar Allan Poe (1809 - 1849)

The only real prison is fear, and the only real freedom is freedom from fear.
- Aung San Suu Kyi (1945 - )

You have no control over what the other guy does. You only have control over what you do.
- A. J. Kitt

To do anything in this world worth doing, we must not stand back shivering and thinking of the cold and danger, but jump in, and scramble through as well as we can.
- Sydney Smith (1771 - 1845)