Become Rich One Dollar at a Time

By Shaun Tully

The earlier you start to save money -- even if it's a dollar or two at a time -- the earlier you'll become rich.

Most people think that to become rich, you need a cash windfall in the thousands at the very least. They are suffering from a mentality borne of everything being insufficient for their needs, everything seen through the big picture of the big bucks, and everything about wealth in the grand scale.

What they dont realize is that with every dollar you save, you are becoming richer. How so? Well, the billions that Warren Buffet, Bill Gates and Carlos Slim Helu have in their possession was built one dollar at a time. Take away just one dollar and they will be one dollar poorer, the billion other dollars notwithstanding.

Save Early, Save Steadily

Almost nothing is more important than saving early and often. Every time you decide to save a dollar instead of spending it -- on fast food, at the store, or anywhere else -- you're choosing to be one dollar poorer. The more often you choose to save a dollar, the sooner all those dollars will add up to thousands.

If you consider the way compound interest makes money grow even when you do nothing to make it so, you will appreciate the modern adage that says with every dollar you save, you are becoming richer. So, as early as today, save that dollar you were planning to buy on a useless trinket.

If you think you can't save today because you don't make enough money, you couldn't be more wrong. In fact, this is the best reason of all to save, as it will help you put an end to being poor much sooner. There are a number of ways you may be able to save a dollar a day:

- Cook foods like lasagna in batches and freeze the leftovers so you eat affordably for days at a time. - Carpool or ride the bus to save on gas and car maintenance. - Find new outfits at local thrift or consignment stores. - Choose generic brands of food and toiletries.

You will discover that setting aside a dollar a day will soon become a habit. Soon, you will be unsatisfied with a dollar daily and possibly increase it to five dollars, which will only make you five times richer every day!

Invest Early, Invest Wisely

Of course, your dollar a day will be maximized to its full future value when you place it in an investment that earns passive income. Think of bonds, stocks, securities, retirement funds and even plain old banks to keep your money in.

Stashing your money in a sock or a piggy bank might have worked when we were children, but your dollars can't increase in value while they're in your house. Instead, invest your money as soon as you can, which gives it the maximum opportunity to earn even more money for you. This is particularly true with compounding interest.

That said, choosing which way to invest your money shouldn't be taken lightly. Do your research and make a smart choice; if it sounds too good to be true, it probably is. Nothing would be worse than carefully saving your money over time only to lose in a high-risk or fraudulent investment scheme.

In the end, a steady and smart savings and investment plan is the single best choice you can make to earn the millions you're dreaming about.

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