Accept responsibility for your actions. You are not where you want to be financially and it is your fault. It isn't the government's fault - it isn't your bosses fault - it isn't your parents fault - it is your fault alone. You made the choices that you made and you got in this mess. You bought the things you did, you didn't save and you have no one to blame but yourself. Once you get that through your head and get rid of the "poor me attitude", you can achieve prosperity beyond your wildest dreams.
Visualize prosperity in your mind. Visualize yourself as a millionaire. Imagine how it would feel. Think about the type of things you would do with all that cash. Would you donate it? Would you help others? Would you buy a new car? In essence, think about how your life would change if you had more money. Whenever you feel doubt creeping in, push those thoughts away and concentrate on your vision.
Create an action plan. Next, you have to create an action plan with a goal date. For instance, if your action plan is to become a millionaire by creating a pet cemetery business and then selling its franchise to others within 5 years then figure out your step by step plan for making that happen. Write down your goals and how you expect to make them happen.
Take action. You can't become a millionaire by sitting on your butt doing nothing at all but dreaming about what you're going to do. Although visualization is important, visualization coupled with action is the thing that separates millionaires from broke losers. Millionaires visualize and then act on their visions. Broker losers visualize and then sit on their lazy butts and do nothing about it. So, visualize. Create an action plan and then take action.
Buy assets. Stop buying liabilities and buy assets. If you only have a certain amount of cash to work with then figure out a way to multiply that amount by buying assets instead of liabilities. So many of us spend our hard earned money buying liabilities instead of assets. Assets are those things that will actually make you money - whereas liabilities are things that will cost you money. For instance, if you have $1000 to buy a car, don't just take $1000 and put it down on a brand new car that costs $20,000. Instead, take $500 and buy an old car, fix it up and sell it for $1000 then take that $1000 and buy a few more old cars, fix them up, and then you'll have $20,000 to buy the new car and you can buy it with cash money. This way, you are actually making your money work for you.
Get a millionaire mentor or support group. Find a mentor or support group to help and guide you on your way to success. Not only will they inspire and motivate you but they can help you stay on track when you are tempted to give up.
In conclusion, you can become a millionaire if you follow the above tips. By accepting responsibility for your current financial situation, visualizing success in your mind, creating an action plan, taking action, buying assets and not getting discouraged, you will make