If Money (or the lack of it) is a problem for you or the people you love then here's help!

These powerful personal money management principles are the keys to managing your money, eliminating debt and building financial fitness.

 We all need principle-based methods for personally managing money. We need to become empowered by the money we're already earning. Whatever you're earning now is more than enough to start your journey towards financial freedom.

  Master these 15 principles...

1. You are valuable. You deserve to expect a premium price for your time, products, services or expertise.

2. Personal spending can be very emotional and ultimately addictive. Learn how to manage your addiction and keep your emotions in check by choosing to go into a buying freeze during emotional crisis.

3. When you monitor where you spend and when you spend your money, you tame it. Organizing your finances lets you create more money and more free time in the future (when you want it the most). A Simple program like Quicken can help you track your money and save time when you you need to prepare you taxes.

4. When practical, let other people pay the absurd costs of being the first to own something that naturally depreciates. Even better than the smell of "new" is the smell of "paid for in full."

5. Power down your bad debt (hight interest credit cards, loans) and you strengthen your fortune.

6. Know the rules (and when to break them).

7. The rules of wealth management keep changing, so look for a professional who's job is to know the latest rules.

8. Redirect your money before you have a chance to spend it (look into forced savings strategies that remove a percentage of your money from your paycheck before you ever see it).

9. Keep the big picture in mind. Maintain your perspective by knowing what your goals are.

10. Keep your partner or spouse in the loop. Talk about money. Share your goals. Agree on all big purchases before acting alone. Talk about it openly and don't let the talk of money cause you to get angry, hostile, or stressed.

11. Understanding taxation enables you to retain more of your money. Talk to a professional.

12. Don't just put your money into a checking or savings account. Give yourself a total money makeover so that you get wealthier faster and more wisely.

13. Don't put all of your eggs in one basket. Learn how to diversify your investments and put your money into areas that will do well in any economy. Learn when to stay put (when a stock or investment) goes down and learn when to get out.

14. Credit cards can be our friend if we know how to use it (and respect the responsibilities that come with having credit)

15. Be a good parent and mentor by Teaching Kids About Money!

  To be financially free, we need to escape from the vicious traps of credit card debt, impulse buying and money mismanagement. We have to focus on creating a future of positive cash-flow, prudent investing and money stewardship for ourselves and our loved ones.

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