1. Thou shall have apportion or percentage ofyour income preferable 20% to save on all your income every time, by all means be constant with it because what you save will Save you and what you keep will keep you.
2. Thou shall not by any means or anyhow spend a cent or a dime on what you don’t absolutely need. Impulse buying must absolutely stop existing in your life.
3. Thou shall sow 10% of your income into God’s work as tithe and be satisfy with the remaining 90%.
4. Thou shall write down your financial goals. How much you want to save and make withinsix months, one year, two years and so on.
5. Thou shall write down your spending plansfor you to effectively use your money
6. Thou shall invest at least 10% of your income in stocks and shares, real estate and business for further growth.
7. Thou shall have a financial adviser and attend seminars at least three times in a year.
8. Thou shall invest in your knowledge and brain more than your physical appearance because your input determines output.
9. Thou shall develop an alternative source of income to your salaries. You can be wealthy working for your boss.
10. Thou shall take time to carry your spouse along. For it will save you from a lot of headache, plan your financial goals together. ( But if you're not yet married like myself do it yourself no big deal)!



Experts on NL you can add yours.

Good but requires a lot of discipline. Easier said than done.