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How to Earn Millions by Saving Up, Using Coupons, and Investing Wisely

by Gabby Dell
January 27, 2010
In these tough financial times, it seems really difficult to earn millions of money. Some of us even find it hard to save up with all our monthly expenses, including the bills we have to pay. But if it so difficult, how come others manage to earn millions?

Some become millionaires by the age of 35, and they're not heirs to large corporations. In fact, most millionaires are self-made; they did not earn their millions simply because they have family connections.

Some just happen to win the lottery, and they invest their prize money on business. Other millionaires begin with low-paying jobs and work their way up. They learn the trade by observing their superiors. The next thing you know, they have mastered the tricks of the trade and have become owners of businesses. In short, they become millionaires by working hard, by investing wisely, and by saving up.

So as you can see, there are actually ways to become a millionaire. They are not the easiest things to do, and they will take time, but they work. So how do you become a millionaire? Here are some steps to start making your millionaire dream a reality.

Earn money

Of course, you should have a job that pays well if you're planning to be a millionaire. Or you can have a business that can do well even during difficult times. You do not have to earn six figures--after all the current median income in the US is from $35,000 to $60,000. If you are earning average income, that's fine. And if you're earning just a little below the average, then don't worry. As they say, there's nowhere to go but up. You can double your income in a few years, if you work hard.

Work hard and enjoy your work

It's easy to say that you're working hard, but are you, really? Do you invest your time and energy to produce excellent work output? Some people just work to get by, meaning they do their work half-heartedly. Thus, their work production comes off as half-baked.

But maybe the root of the problem is indifference. If you find your work monotonous and you're not learning anything from your job anymore, then you should find a job that interests you. Many successful people will tell you that the secret to their success is passion. If you're passionate about your work and you enjoy what you're doing, success will come easily.

Learn to save

Saving is not just putting some money on the bank. There are many creative ways to save. One way is to live within your means and not spend on unnecessary wants. You might want to feel like a millionaire so you buy expensive clothes and go on expensive holiday trips, but this won't help you achieve your dream of becoming a millionaire. It's just a temporary high, unfortunately.

What you need to do is list down how much money you're making and list down your expenditures. From your basic needs to your extra comforts, list them all down. It will help you save if you know exactly how much you're spending.

You can also save on shopping by taking advantage of discounts. Stores and restaurants usually offer discounts through coupons. Coupons can be found in magazines, newspapers, or leaflets. You can also find coupons on the internet. There are lots of websites that offer printable coupons and coupon codes. Printable coupons are those that you can print and present when you walk in to a store, while coupon codes are for online purchases. Many people have saved thousands of dollars by using coupons to save.

Make your money grow by investing wisely

There's no need to watch business news all the time or monitor stocks on Wall Street Journal if you want to start investing. Those can help you understand stocks, but that won't necessarily make you a genius in investing. If you want to have some practice at investing, you can start at websites, such as E-Trade or Zecco.

You can also invest on something you want--like a property--and then hold on to it for several years. The price will increase, and then you can sell it. But don't just rely on real estate. You need to have a backup plan if something happens with your property. You have to invest on other things too, and you need to have a clear plan.

These are just some ways to become a millionaire. You can definitely find other ways to save and earn money. Why not work two unrelated jobs, a home-based business and an office-based job, if you have time? Or why don't you try marketing online, since some people have started earning thousands of dollars through the internet?

There are also factors to consider when you want to be a millionaire. Time is one factor, and maybe luck is another. Whatever the factors are, the bottom line is, work hard, earn money, save some of it, and make it grow. If you have a clear plan and you stick to that, you can become a millionaire in a few years.


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How to Earn Millions by Saving Up, Using Coupons, and Investing Wisely
 

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