Coffee Shop Millionaire is a course on how to build a solid online business by Anthony Trister.

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Internet Marketing Uncut (No B.S. Value $1997. This Course Sold out in 2009 for $1997. Now only available to those who purchase coffee shop millionaire)

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Coffee Shop Millionaire Review:

Coffee Shop Millionaire is the most recent Internet Marketing course from Anthony Trister that will exclusively teaches the way to develop into online entrepreneurs and shows in full detail how he made more than $21 million online from scratch.

There is a bunch of killer content within Coffee Shop Millionaire includes how to launch an information product, generate targeted traffic, build a list, etc and it’s all about to help you make extra cash online. It also contains phone support, because Anthony wants to make sure that none of you ever fall behind.

In this course, everything that Anthony knows related to making money online is exposed as he clearly demonstrates how he was able to generate online revenue of more than $21 million. But revealing his own success is insufficient and so he also delivers the exact methods, the specific techniques and the instant tactics which were used to achieve this.

It doesn’t matter if you have no experience because you will be demonstrated the way to develop your business from scratch and then apply the exact same method repeatedly to market any product you want – so this is the suitable coaching system that can only continue to grow.

About The Creator:

Anthony Trister is an experienced Internet marketer who is popular in the affiliate marketing arena. He definitely knows his stuff and is excellent about offering it to people through powerful tutorial products – the hottest and greatest is the Coffee Shop Millionaire. Now, he generate over millions of dollars implementing the method that he covers in this course.

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It is hard work to become a millionaire. This is especially true if you do it the hard way by starting at zero. There are a few secrets about how to get there that you need to know.

The first big secret, although it is not that big of a secret, is that you are going to have to go out there and take some kind of jump to do it. I was tempted to say risk, but that is not quite the right term. Taking a job has risk. You never know exactly how long you are going to have that job and no job is safe.

Having a job alone is not going to cut it. There are those jobs that will get you there there, but they are doctors, lawyers who bill out at $250 per hour and commercial real estate brokers who do $10M deals. These people are the exceptions. The rest of us need another way.

We all know someone who has been laid off. I live in Houston and can remember when Enron went under. There were a lot of smart people who had nothing to do with the scandal there. There were programmers, office assistants, IT people, and accountants who thought they were on a good place. All of a sudden they saw their retirement accounts go to nothing and were looking for work. This was the big one that caught headlines. How many other cases where a series of circumstances dried up all the cash of a company that had been in business for 50 years? How many times was a new executive get hired that made some ill-calculated decisions that cost millions of dollars where the company responses eventually lead to a “reduction in force”?

You need a job, but never become comfortable with the idea that this is what is going to carry you over to a financial threshold. Even if you worked your life there and put in you maximum amount into your 401K, you are still not looking at millionaire status until many years down the road. What will be the value of a million dollars then? Relying on savings and 401K money also means you have to survive the inevitable market corrections. Nothing is more discouraging than to see eight years of savings vanish because of “irrational exuberance” in the stock market.

All that being the case, you need to take some type of action to ensure your own financial security. The big question becomes what should that jump be and can you actually do it? Eventually you need to put down the copies of the “how to get rich” books and spend your time putting the plan into action.

For those who know what the target path is, it good for you. It is now time to start working. Others have a few ideas and probably more questions about the viability of our ideas than facts. For these people, the best course of action is to take the smallest and least risk components you can and start there.

A good example of low risk item to do – take you existing house, move out and lease it. This is more work and hours on your part, but it takes on less risk. Odds are if you bought a house, you have lived there for a couple of years. The market value is higher than what you paid and the note is at a lower amount than what you can get if you were to get a note for an investment property on the open market right now. Another way of saying all this, the cheapest way of buying a house is to get it for yourself.

Finding another house and packing up the kids stuff is no treat, but you now can now start building equity in two places and earning some cash on the side. When the market values go up, and they will, you gain twice as much as before. I have done this rotation several times and a significant piece of my wealth comes from this. Most people have a significant amount of their wealth tied up in their houses. Why not take advantage of that to its fullest.

One can only add additional rentals every few years. The in-between times are spent saving enough for the next down payment. In other words, there is time on your hands where you can do more. It is not just about doing one thing. To create wealth, we have to constantly look for new opportunities. If we get involved in something that becomes a full time effort, by all means we should focus all of our energy there. But for the new entrepreneur, some experimentation is most likely needed to find your true money making calling.

Take inventory about what you are truly gifted at. Do you mind going up to complete strangers in book stores and coffee shops and engaging them in meaningful conversations? If yes, you need to be in a multi-level-marketing business. I cannot do that and do not want to do that so I have to look elsewhere. I only found this out after failing at a multi-level-marketing. Do you have a specific interest in something and enjoy hunting down suppliers of that? If yes, then consider opening an online store or finding an online channel to sell through.

I have always been a big sports fan. I even went through a period where a friend and I traveled a few parts of the country to visit some of the baseball stadiums. I really enjoy learning about the park history and some of the nuanced statistics of the game. One of the businesses I got into was buying and selling baseball tickets. This lead to buying and selling tickets to other sporting and concert events. This very quickly became a lucrative business for me. I now hire other people to take care of certain aspects of the business. Not only am I making money from doing it, I turned it into another business by teaching people how to do it.

The ticket-selling business was not the first or only other business I had started. Many others flat out did not work or I lost interest. The fact I lost interest proved to me that it was a not a good choice to begin with. When I did have interest in the business, sometimes not matter how much interest you have, if there is not a market, you cannot do anything about it. Buying and selling tickets solved both of these for me.

For me it was buying and selling tickets, for someone else it could be hair care products of children’s toys. The point it is to find an interest you have and discover the ways to formulate a business plan around it.

Start small. Keep the risks to a minimum and most important of all do something.

Saving for your retirement, your children’s education or just improving your standard of living can be impossible unless you know what to do. Small changes in your spending can achieve $1-2,000,000 over your lifetime.

10 Small Changes in your Spending Habits:

Save your change – this can be as much as $50 a month.
Stop buying soda, coffee, and junk food when out – $50-100 per month.
Take your lunch to work – $250-350 per month.
Cancel your cable TV – $50-150 per month.
Use coupons at the supermarket – $50 or more per month.
Shop at discount stores for clothes – $50-100 per month
Use the Internet to shop significant purchases – savings up to 40-50%.
Increase insurance deductibles – $200 per year.
Lower thermostat in winter and raise it in summer – $25-100 per month.
Pay bills online/automatic bill pay – $15-20 per month postage.

You may look at these suggestions and say, no way can I change or live without it! Your next step is to find something else that yields the same or more savings. For example, I cannot give up cable, so it is part of my entertainment. I use group discount movie tickets to achieve similar savings and more selective how often we go to the movies. Remember the goal is saving $750.00 or more a month, the specifics are up to you.

By conservatively investing the approximately $750 savings monthly in 30 years it could grow to $2,000,000.

So why is it so hard to make $100 a year? Well first off if you go by societies standards, then its hard to do anything. Realistically it takes a lot to make money these days. In previous decades you did not have to have much in order to make a lot of money other than shear will power, a little money to invest into a business or knowing the right people.

Here is a thought to chew on for a second. Have you ever heard people say, “I am worth more than this job pays me, I am worth at least twice as much.” Well you’re not unfortunately, and I even found that out the hard way myself. If you are working an $8 an hour job then that is what your worth. You have to put in the time and get the experience to make the kind of money you want. Now if you do not put the time in to get the experience, its time to take your money and either buy a lot of lottery tickets and pray, or start your own business. My guess would be you have a better chance with the business then the lottery.

Knowing the right people is still very much in effect today. You have undoubtedly heard the expression ” Its not what you know, its who you know ” and this is still very true. Many people have gotten jobs or careers or into businesses because of who they know, and in doing so most have panned out well for themselves. To go along with this, many jobs are inside referral based hiring system. For example let us say that Joe’s coffee shop has put out an ad in the paper and online that they are hiring. Well Joe is looking for family members or close friends that he trusts, more so over the general population. He wants to have someone that he trusts that was close to him and that he can watch.

The thought is unless you have a Bachelors, MBA, Doctrine, or some other major degree or license, or are a very skilled tradesman, etc…, you will not make more than $30-50k a year. This is not completely true. Lets look at some ideas people have used to make that kind of money without those degrees, and or money.

Myself for instance, I took approximately $100 and started a mobile auto detailing business, that within a year was locally recognized by the newspapers and the mayor. My father took about 2k to start a plumbing company and has made millions in doing so, has been on Oprah for it, has worked on many of celebrities, and news icons, and millionaires homes. My buddy started and internet marketing site, with around 2k and has been making consistently 12-20k a month. None of us at the point of time when we started our businesses out had money, nor degrees and all have made at least million dollars in our lifetime so far. Take a look a Donald Trump, he had no money when starting his empire, in fact it is said that he was very persuasive to investors in telling them he had things going, when in fact he did not. Bill Gates, a high school kid who he, and a couple others started messing around with what is now windows. Bill Gates pulled a similar move that Donald Trump did. This was telling investors that he had a product when in fact he did not.

Why is it so hard to make $100k a year? It is simple people do not have the passion nor desire to struggle to make it happen nor the skill most of the time. As well as just being lazy. People again want money to fall into their laps without working for it, and unless your life starts out that way, or you win the lottery, or publishers clearing house its not going to happen.

It has to start with you telling yourself you want to be successful. You have to tell yourself like you really believe it. Your key to succeeding is wanting to succeed and believing it. What is success to you? To some people being successful is just being able to afford whatever they want on the spot. Having the home and vehicle you want. Owning all the toys you want or buying them when new ones come out. Having a healthy loving family really helps to be successful also. It doesn’t make sense to be a millionaire without the love of family. But to everyone success may be different. What do you think of when you think of yourself being successful?

Nobody succeeds in life by doing things half-ass. Most successful individuals are successful because they have worked very hard to get there. It’s not uncommon to see a middle aged man finally being able to afford the toys he always wanted. When was the last time you saw a 20 year old kid driving a Corvette? If you did, it was probably daddy’s toy. You have to plan a long road to success.

Not many people get a chance to be rich when they are young. If someone was born into money or won the lottery, they may see riches earlier in life. The truth is, you have to start planning to be rich and successful right now if you want it to happen. Take each day and use it, to take you a step closer to your success.

If you don’t convince yourself to be successful, you never will be successful. Start planning now to be a millionaire. If you are on your 20′s and you can put about one hundred dollars a month in to a savings account, you will be more than a millionaire before you retire. If you are in your 30′s, you will need to put about 200 dollars a month into a savings account. Start off with a small goal like this until it is a habit. Think about IRA’s; that is another great way to plan on being successful in your future.

You don’t have to be in sales to be successful. Be smart and plan for your future everyday. That’s all you need to do to be successful. Be smart and use money to make money. As you get older you will be in a habit of rolling money over to make more. Instead of always spending money and just making ends meat. Sacrifice now and enjoy life later. Some people won’t be so lucky to live a long life and succeed later. That’s okay, think of your loved ones. Don’t you want your loved ones to be taken care of when you are gone?

You have to not only think of ways to be successful, but you have to actually act on them. The act of actually doing something can be very frustrating, especially if you are not used to it. That’s why you have to try and be successful everyday you can. Make your success a habit so you always do it. Next time you go to the coffee shop and get that coffee, just think: Three dollars a day for coffee is about ninety dollars a month. If you’re in your twenties, that’s enough to make you a millionaire when you retire if you banked that money.

Make little goals and chores throughout the day for yourself. Make those chores guide you to success. Make each goal or chore take you one step closer to success. Even if today’s goals only includes calling mom and going food shopping. Make a checklist, check each chore or goal off as you complete them through the day. Don’t give yourself a reason to finish tomorrow. Your challenge through the day should be completing each chore on your checklist before the day is done. So make your checklist realistic and able to be accomplished in one day.

So start telling yourself today that you WILL BE SUCCESSFUL. Picture what you have to accomplish to make yourself feel successful and take it one day at a time. Don’t forget, your idea of success may be a lot different than someone else’s idea of being successful. If success to you is just being happy, then do what you can each day to accomplish that. Don’t rush or overwork yourself. You have a long time to be successful.

Thanks for reading my blog everyone. Email me if you have any questions about starting a home business. See you tomorrow.

What is the millionaire mindset? Who can have it? How can you have it? Before I answer those questions, let me tell you something about millionaires in general.

Most millionaires aren’t really afraid of anything. Sometimes, even against their advisers, they make a decision and end up being all the better for it. Most millionaires also tend to have an amazing amount of energy whether it’s directed at their work or at their peers.

Now that you know it, doesn’t it seem fun to become a millionaire? I’m not just talking about acquiring millions of dollars here. That comes later. The first and most important requirement is to have the millionaire mindset.

Aggressiveness in Business

Aggressiveness is part of the millionaire mindset. After all, you’re not going to get anywhere unless you pursue something in a big way.

For example, you want to earn millions by setting up your own coffee shop. But if you stay meek and quiet in your little corner, how could you expect to compete with the more established brands just across the street from you?

You have to turn on your aggressive switch, start advertising and marketing your product. Make some noise and you’ll make yourself some money.

Love for Craft

Having the millionaire mindset does not mean you have to work hard at a job you hate. That’s not how it works.

Most millionaires earn the big bucks when they genuinely love what they do. Find your interest and work that angle. This way, you won’t get tired of it soon; and you’ll be many times more eager to pursue it.

If working on a certain job or project has a high earning potential but you end up being unhappy, it’s just not worth it. You’ll probably quit one day before you even achieve anything worthwhile.

Relentless Positivity

Millionaires don’t waste their time worrying that something might go wrong, or that a screw is going to loosen. Instead, they direct all their energies into attracting abundance and success in their business.

Having a positive mindset is having the millionaire mindset. Think of yourself as a fortunate person; luck and wealth will soon find their way to you.

Having the millionaire mindset will help make every day of your life richer, fuller and altogether more satisfying. You may not be a millionaire now; but once you adopt the millionaire mindset, you’ll be as good as one!

Okay, so most of us (that is the middle-class folks) probably won’t retire as filthy rich millionaires. But what if you were told there were easy and simple things you could do now that would enable you to pay off your debts and begin building a sizable savings account? Ways that would allow you to live comfortably with virtually no financial worries or struggles? Yes, no doubt this all sounds like the beginning of a money scheme to many of you, but chances are you have heard of some, if not all, of the following tips that can and will help you reach financial freedom. The question is, do you actually do any of them?

Credit Cards = Flushing Money Down the Toilet

Pay off those credit cards! There is virtually no greater waste of money than the interest paid on credit cards (especially those with rates that exceed 10%). While credit card debt can seem overwhelming, all you need is a little bit of organization and financial discipline to get them paid down. Gather all your cards and find out the current balance and interest rate for each one. Begin paying the one with the highest interest off first. Pay more than the minimum otherwise you’re really only paying interest fees each month. Once you have the first one paid off, begin paying down the card with the next highest interest rate, and then the next, until they are all paid off. If you can, do a balance transfer to a card with lower interest. Avoid putting more money on the card as you are making payments on it; you’ll never pay down the balance.

No More Coffee Stops!

Gasp! Don’t freak out…this is not to say you need to stop drinking coffee but buying a fancy frappuccino every morning is rather excessive. Try brewing your own coffee in the morning or designate only one or two mornings a week when you can buy a cup. Americans spend hundreds of dollars every year on coffee. Cut back on “coffee shop coffee” and you’ll be surprised by how much you can save.

Pay With Cash

If you can’t pay cash for it, don’t buy it! There are relatively few things that you should (and will have to) go into debt for. These include a house, higher education, and a practical car (the Honda, not the pricy Mercedes). But for everything else, primarily “luxury” items, avoid putting on a credit card and financing. The only exception to this is if you are qualified for 0% financing for a designated time period and you can pay off the item within that time.

Mortgages

Although a mortgage is obviously a form of debt you must incur (how many people do you know can pay cash for a home?), there are ways to pay off your mortgage much faster than the intended life of the loan (i.e. 30 years). Paying off your mortgage sooner than expected can save you literally thousands of dollars (especially if you have a high interest rate). Explore your options in terms of an early mortgage payoff plan and see what options are available to you. One such system is the Money Merge Account, which enables homeowners to pay off their mortgage in less than half the time.

Americans love their workplace sitcoms. The overhead fluorescent lighting, gathering around the water cooler with co-workers and the break room antics…it’s all so familiar and just plain funny. For those of us who work the 9 to 5 grind, we know that in real life the corporate world isn’t that amusing. You work hard everyday to put more money in someone else’s pocket and build someone else’s dream.

Wouldn’t it be nice to say goodbye to your cubicle and reach fore something better? Well you can, and it’s easier than you may think.

With some hard work, dedication and the right opportunity, you could build your wealth and free up more of your time to live the life you’ve always wanted. There are opportunities available that can benefit from your unique skills set passions, providing you with a satisfying career and increased wealth potential. You can be your own boss. Work from your favorite coffee shop or take the day off to spend time with friends, it’s all possible.

That’s not to say that you can reap the rewards without putting in the effort. These programs require diligence and dedication, but with time and effort you can build your wealth and enjoy a successful future. All you need to do is take the first step.

What would you do if your time was truly your own? Take advantage of a wealth building program and find out. You can get started today on your way to increased wealth, a better future and a better life.

On any given day, a person can open his or her email and find offers for careers from home that sound too good to be true. Those emails that are not immediately caught by a spam filter are usually tossed aside, often without even being opened. Most people do not realize that it is not only possible to make money working from home, a person with the right mindset and work ethic can make a very comfortable living through his or her own online business.

While not all at-home workers are self-employed, many find that working for themselves is what brings them to most satisfaction and the greatest number of benefits. One of the greatest benefits to online employment is the flexibility. A person who is employed online has advantages that traditional, brick and mortar employees simply do not. Having a flexible schedule allows one to work during his or her own best hours. A morning person can be up early, working the morning away while the rest of the day is free for personal time; a night owl can choose to sleep in after having worked while the Sun was down; and a stay at home parent can work around children’s nap schedules. Flexibility does not apply to time alone. When working online, it is possible to work from any location with Internet access: this allows the home based business to flourish even while on vacation or while relaxing at a local coffee shop.

The benefits of home based work are what draw people in, but the way to earn a living while working from home is elusive to many, causing them to return to conventional workplaces far too soon. The simple truth is that any person who is willing to take the time and effort to learn how to work from home can do so, but that person cannot expect to go to sleep unemployed and wake up a millionaire. Indeed, working online has numerous benefits but it takes strategic planning and patience for that hard work to pay off. In many cases, training is required so that the at-home worker can start his or her new business venture with a suitable set of skills.

The key to finding success in working online is to first determine the business field that is most suited to existing or obtainable skills. Choosing to launch a career in graphic design without the appropriate experience or skill set is implausible. Likewise, venturing into a career selling products or services online without any training in setting up a business, handling cash, or marketing can be a recipe for failure.

Even if a person chooses an online career path that is suitable to his or her own well-honed skills, it is wise to consider investing in at least a small training program that can help with the difficult task in transitioning to the online environment. Fortunately, it is possible to find the appropriate training online for virtually any home based business, be it full time or part time, in sales or customer service or any other field one can imagine.

Most people work 6 days a week and 10 to 12 hours a day, so they can pay for their house that they hardly live in it, paying monthly car payment, so they use the car to drive to work, pay their furniture that they bought using easy monthly financing, and pay the gasoline to fill up their cars’ fuel tank to go to work again, so they can earn money to pay all the bills. The cycle continues until they reach the retirement age and they realize that they don’t have enough money for their retirement.

They may look affluent and rich, but they are only renting a life style. Most of these people, they are only 2 to 3 months away from being homeless and having their luxury cars and houses repossessed if they ever lose their income from their job.

A friend of mine, she and her husband have to work 50 to 60 hours/week Monday to Sunday, so they can pay for their town house mortgage. Every time my wife and I visit her at the restaurant where she works, she told us that she and her husband are tired, and they don’t have time to spend with each other, because they work from Monday to Sunday. When they decided to buy their town house, the mortgage broker forgot to mention about the CCNR fee, and other fees that comes from owning the town house. Their mortgage is around $2700 plus the CCNR fee, electricity, phone, and other expenses. They can easily spend over $3500/month! I felt really bad one day when I saw her getting sick, but she had to go to work on Sunday, because if she didn’t go to work, she was afraid that she wouldn’t have enough money to pay for the house monthly payment. What made the story worse, her husband lost his job! I won’t into details.

Why do a lot of people drive a luxury car that they can’t afford yet? It doesn’t make sense to pay $200 to $1500 a month to pay for a luxury car that we use to go to our work place, and use the income from the work place to pay the bank, so we can keep the car! Also, don’t forget about the monthly interest that the bank charges.

I met a young lady in her early twenty who told me that she didn’t use finance to buy her car but she leases her car! She thought the best way to own a car is to lease it, so I asked her, what would happen to her car if she didn’t pay the monthly lease. She said, the car company would take the car back! At that moment she realized that she doesn’t really own the car. She was just renting it from the lease car company. She had to work hard to earn some money to pay her car monthly lease. If she bought the car cash, she wouldn’t have to work so hard to keep her car.

We have to stop thinking about how much monthly payment we can afford. It is not smart to finance something that loses values and depreciates. If you haven’t read the book, Millionaire Next Door, you may want to buy and read it. The book Millionaire Next Door, the author says that most American millionaires drive 3 to 5 year old car that they pay cash for it. They use their money to invest to their wealth accumulation investments, instead using their money to pay the bank’s interest charge!

When you buy a car on finance, you are like renting the car! What happened if you don’t pay a house or an apartment rent? You will get evicted; your landlord will kick you out of the apartment. It’s the same with buying a car by using credit, if you can’t pay for the monthly payment, the bank will evict you from owning the car.

Before I learned the danger of owning a car through easy monthly financing and payment, I decided to buy myself a Lincoln Navigator through the car dealer financing Labor Day special! It was one of the biggest mistakes of my life, because I agreed to pay $10,000 down payment and $265/month for the SUV. Before long I realized that the cost of the gasoline was around $400 to $600/month. That’s before the gas price went up to $3.00/gallon. So when we added the car monthly payment plus the gas price, we easily spent $700 to $8000/month just to keep the SUV running.

Since we were so broke, we had to learn how to write a financial statement report to see where our money went! After we created a financial statement report, it was like an X-RAY to our financial problem, we could see where the problem was and where our money went, the money went to the monthly payment and maintenance of the SUV!

The credit unions that lend me the money charges $100 at least every time I made a payment. I asked the lady who worked there why they had to charge $100 for each car payment I made; she told me that they were collecting the interest for the loan up front! So every time I paid $265/month for the SUV, they took $100 for the interest and the $165 toward the principal of the loan.

It was hard to sleep at night when I had to think about the cost of owning the SUV; I was scared that our SUV would be repossessed by the credit unions if I failed to pay the monthly payments. Within 9 months, we decided to sell the SUV and it was a relief.

I saw an advertisement on a car magazine, the owner of 2005 Porsche Boxster Sport advertised his 2005 Porsche for $10,000 and then it said; please take over the car payment of $750/month! My wife and I said “Wow, $750/month!” We thought paying $265/month for our Lincoln Navigator was pretty bad.

Today we drive a Chrysler 300M car that we paid cash for it! It’s not as big as the SUV, but we feel good driving it, because we own the car, and no bank will repossess the car if they don’t make the monthly payment. In fact, since we paid for it cash, we don’t have monthly payment! We can use the $265 that we used to pay the bank for the SUV for our investment account.

In December 2005, I decided to buy John Cummuta’s series, Turning Debt into Wealth for my own Christmas present. I love what John Cummuta said about the new car smell, if we like the new car smell, they sell it in a spray can and you can spray it inside your car if you just want to smell the new car scent. I have not met John Cummuta personally, but he has become my great financial intelligent and literacy mentor and I am thankful that I found his audio series, because John Cummuta has taught me a lot about not to go into debt and taught me a lot on how to build wealth.

Every time my emotion goes crazy about buying a new car or buying something on credit, I will listen to his CDs series over and over again as a reminder of the danger of getting into debt. Another thing that I learned from him is, when you don’t feel good or depressed, and you are tempted to buy things on credit to make yourself feel good, you can go ahead take a hot shower or bath, so you will feel better. If you haven’t had the chance to listen to John Cummuta’s audio series, I encourage you to invest your money to buy it. John will give you a great revelation about the danger of getting into debt, teach you how to get out of it and start building your financial future.

One of the costliest things in our life is being ignorant and remains ignorant for the rest of our life is dangerous.

If you are serious about improving your financial life, you must take a serious step and action to achieve it. A journey of thousand miles begins with one step. If you don’t make the first step today, you won’t go anywhere near your goal and dream.

So how can you avoid of going broke?

1. If you can’t afford to buy a luxury car, don’t buy it! I know that the credit industry will try to seduce you into getting the 0 down payments and easy monthly payment. When you see that advertised at a car dealership, I suggest that you run away and don’t even think of getting into debt to buy a car. So how can you buy a car then? One of the nicest places to buy cars cash is a public auction. They have a great auction place in Los Angeles; you can buy a car for $2000 or less cash! Save your money, and then when you have enough cash to buy one, buy it cash. Why do you want to buy your car cash? You will have a better bargaining position, you can bargain for the car you want.

2. If you can’t afford to buy a very expensive house, buy the one that is on your affordability range. Forcing yourself to get into a $500,000 or $700,000 house before you can afford it, is like setting yourself up for a long term financial disaster. Also don’t buy a house if you are not planning to stay in the area long enough. I love my mortgage broker; he would go with me into details about getting a mortgage. He would talk about I could afford and he wouldn’t give me a mortgage just because he wanted to make a commission out of it. He went through my financial statement and he helped me to make a wise decision whether it was a good time for me to buy a house, or to buy an investment property.

3. Increase your financial knowledge and literacy. Department of Motor Vehicle will not issue a driver license to drivers who are not ready to drive and have not taken the driving tests. I know some people will drive illegally and get themselves into a lot of troubles. You don’t just get into a car and start driving well in one day. Most people have to go through a learning process before they can drive a car. The DMV wants people to learn about the traffic signs, how to merge, and to park because they don’t want you to get into troubles when you drive your car. One of the biggest mistakes people ever make is; they never invest their time to learn how to be smart financially and how to invest their time and money.

Earl Nightingale said that it is foolish when we expect great things in our life for nothing. When you want to become good in something, you must be willing to learn and to study the subject that you want to be good at. When you want to go to a doctor, you have to make sure your doctor has gone though a lot of trainings and have a lot of experience from the medical school. When you understand the danger of getting into debt, you don’t want to go into it any longer, although some people will ignore the warning like a lot of people know that smoking is bad for their health, but many people are still smoking today knowing that their habit will risk their life.

4. Learn to respect your money. Yes, you must learn to respect your money. You work hard to earn it, and you must protect and respect it. I am not saying that you have to be stingy, I encourage you to start being generous, because being generous is very rewarding. From our experience, my wife and I always get back what I give to charities, sometimes even more through business clients and our business. To respect your money means that you won’t waste your money on things on things that you don’t even need. Sometimes it is hard to resist buying things when they are on sales, but if you don’t need it, don’t buy it. There will be another day and there will be another deal out there, so refrain yourself from going on shopping rampage during sales days at the mall. If you can make your own coffee, make it yourself, instead of buying it from a coffee shop for $5 a cup! If you spend $5 a cup, in ten days, you will spend $50. Spending $50 on coffee is a little bit too much in 10 days. My wife and I love going to eat at sushi places; we used to go eat sushi and spent $40 to $60/week. We realized that in a month, we would spend over $240 on sushi, so we decided to go there once a month. Anything you don’t respect will flee away from your life, so learn to respect your money.

5. Keep in track all your expenses and incomes. I decided to buy a PALM PDA, so I can keep in track all my expenses and incomes. I can compare the money that is coming in and the money that is going out. I can see how much money I have and how much money I owe. If you have $100 to $300 in invest, invest your money you buy a PDA, because A PDA is a great tool to keep your financial record, just make sure you add password to it, so no body else can get into your financial report. A friend of mine told me that she was in debt, and when I asked her, how deep she was in debt, she said “A lot!” “How is a lot?” I replied. She answered “A lot, and I don’t know.” I told her that she must find out how much money she owes the bank before she can work on paying her debt. You can not hit a target that doesn’t exist. You must have a target to aim and have the target written out. John Cummuta includes a debt elimination program booklet in his audio series that has helped me a lot, because of his teaching, today we don’t have any more debt!

Everything starts in our mind. We have to change the way we think about money. Instead of thinking about going into debt, we must start thinking about how to build wealth and how to make our money works for us instead of against us.

I keep telling people in invest in their mind over and over again, because if you stop and think about it right now, most of your wealth and everything you have today is the result of what’s in your mind. Your ability to perform at your current job or business is determined by how your mind thinks. Let say, you have a massive head injury and tomorrow and because of your head injury you can not speak or write anymore. Since you can’t speak and write anymore, you won’t be able to keep your current job or to run your business. So please never ever take the gift of your brain and mind for granted! Your mind and brain can bring you’re a vast amount of fortune and even make you a millionaire if you use it to think! So start thinking my friend, think today and use your mind to think!

I hope this article has helped you understand why going into bad debts is dangerous. Many people go into bad debts without realizing that they are risking their financial future when they buy things today by using credit. I also hope that this article has helped you to think right.