• Don’t wait until the last minute
•  I think it is a mind-set
•  Don’t buy, borrow
•  Your time is valuable
•  ASK FOR IT,  almost everything is negotiable
•  Know what prices are
•  Don’t be penny wise and pound foolish
•  Being a bit organized can save you money
•  Houses: Location, location, location
•  Previously Loved Cars.  Classic Cars.   How would you like to drive a Jaguar or a Ferrari or a Maserati or a Lamborghini? Surprise. You can get one of these classics for less than it would cost to buy an SUV. Plus it would also appreciate in value! It is like driving a piece of art!
• Refinance your mortgage or car. Have you ever considered refinancing at a lower interest rate.
• Travel light.  When i ask people in my seminar what they would like to do when they won a million, travel is always on their wish list. You don’t have to be wealthy to see the world. You could also spent a year working your way around the world.

ACTION TIME

How much do you need to make to support your current lifestyle? What could you live without? Look for five expenses you can cut from your life. Then look for five things you could cut back on.

You Don’t Have to Be a Starving Artist 

•  Never shop on an Empty Stomach
•  Dinner and a  Movie
•  Free handouts
•  Lunchbox
•  Creative Dating
•  It is the Thought,  Free or almost free gift giving
•  Step away from the phone… Skype

ACTION TIME

Think before you buy. As yourself ‘What if I didn’t get this, what would happen?  Do I really need it?  How often will I use it?  Is it worth it?  Will it increase profits?  Where else can I get/use it (free)?  Is there a way I could borrow this? Do I need the top of the line model?  Is this the best deal?  Can I get a used one for less?