My brother sent me this article earlier today, courtesy CNBC:
These 'highly effective habits of millionaires' are tips that I consistently see when reading about successful people. If so many pieces of advice are repeated, there has to be logical reasoning behind it. And, by the way, reading about successful people is already a start if you are trying to be successful yourself. Whether that means being rich, or happy with your life, your job, the people that surround you, or just being generally satisfied with the world you live in.
Start by paying yourself first. The article states: "The average millionaire household saved over $39,000 last year, and plans to save the same or more this year." The minute that you receive income, put it into a savings account first. Before any other debit orders go off, or before buying anything with that money. Most of us spend the money first, and by the time something is left over, you feel that you don't have enough to save.
The other important discipline is managing your time. In the article it's written: "Millionaires only have 24 hours in a day, just like the rest of us. What separates them from us is time management. While the rest of us go home and flop on the couch in front of the TV, the wealthy are reading and doing things that contribute to their success."
It continues by citing examples of millionaires like Bill Gates (Microsoft), Steve Jobs (Apple) and Warren Buffet (Berkshire Hathaway), who spent hours 'after-work' refining their skills by reading, researching, and doing extra groundwork. Ultimately this resulted in being a cut above the rest.
In the same manner as applying discipline to your health/training routine, or your day-job, the same should be applicable to your wealth. Else, it will never change!
Wishing you a very productive and blessed day!