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How to Have More Money: 5 Secrets You Need to Know to Be Wealthy



how to have more money
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Why are some people wealthy, while others struggle to survive, living pay check to pay check?  You can take two people from the same background, even the same family, with the same education and opportunity, and they will get different results. One will succeed, and one will fail. Why? Watching members of my own family get different results even though they were given the same information taught me valuable life lessons about building wealth.

My grandparents were hard-working, blue collar immigrants. They openly shared their good money habits with their four children. They all lived under the same roof and received the same information. Three of the four even had the same career, yet, their results were drastically different. I want to share my observations with you so you can learn what works when creating financial freedom.

Here are 5 proven secrets you need to know to be be wealthy:

1. Be Grateful

My grandparents spoke with love and appreciation for the opportunities available in their new homeland. My parents complained about money even though they earned plenty. Their lack of satisfaction led them to fund their lifestyle with money they didn’t have, accumulating a lot of debt. They fought over money and blamed each other for their results. Their constant bickering caused me unbearable stress. When you show appreciation, you get more of what you want. What are you grateful for today?

Here’s an easy way to show gratitude. Start and end each day stating out loud what you appreciate. It can be your health, family, friends, a thriving business. State your gratitude intention in the present tense. Here is an example…”I am so happy and grateful now that…. and you fill in the blank.

“You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

2. Be Generous

My grandparents regularly gave to their favorite charities and helped neighbors in need. Having the courage to be generous when you are struggling shows the Universe you’re confident in your ability to create what you need. Where can you show generosity today? How about donating your time, talent or money to a cause that matters to you? Sharing your passion in a special way often provides a renewed sense of purpose that gets your creative juices flowing.

3. Create A Plan and Take Daily Action Toward Your Goals

Only one of my grandparents children had a plan. My uncle and his wife lived within their means and had a lovely lifestyle. He didn’t earn more money than the others. My uncle made choices that gave him better results. His siblings spent more than they made, all the time. They thought they were living the good life, but the stress of being over extended and not having any savings took its toll financially and emotionally.

Do you set goals? Here’s an easy system to stay on track. First, create a written list of your goals and prioritize them. Write each one on 3 x 5 card that you read aloud daily. This will provide triggers that stimulate action. As you hit your targets, check them off your list. You will feel a rush of satisfaction that inspires you to keep going.

4. Have Honest Money Conversations

Nonnie and Grandpa were comfortable talking about money. This is the secret successful people have in common. Money doesn’t make them uncomfortable. They are comfortable with money. Developing a comfort level with money starts with knowing how to talk about it without getting emotional.

To have a successful money conversation, start small. Think of a money topic that is light, such as planning a vacation. If you have someone that is part of the planning process, make a vacation planning date with them. Start with general questions like where to go, when, and for how long. Once you’ve narrowed down your options, decide on a budget. Once this system becomes second nature, money conversations will be a breeze.

“Never spend your money before you have earned it.” – Thomas Jefferson

5. Live Within Your Means and Include Savings In Your Budget

My grandparents didn’t earn a lot of money in their day. Because they managed well and were consistent savers, they left their children a small inheritance when they passed. In contrast, one of their children died penniless. One lost everything and is living in government housing for the elderly. One had to downsize considerably, barely hanging on financially.

Their one child that copied their money habits retired comfortably. He enjoys financial freedom, experiencing life on his terms. His outcome proves your decisions and behavior create your results, not the size of your pay check.

What money choices will you make? This is essential – know your numbers. Use an online app or a spreadsheet. Include your take-home (net) income and any other income sources (dividends, interest, etc.).

Next list your expenses. Separate them by essential, and discretionary categories. Include savings in your budget. If you want to increase your savings, look for ways to reduce your discretionary expenses. Don’t forget subscription expenses. These are often overlooked and can add up fast. If you have subscriptions to goods or services you’re not using, consider cancelling them to save money.

As you can see, achieving the level of wealth and financial freedom isn’t as difficult as you might think. If you practice these 5 simple habits, you will be on your way to attain your money goals. Remember, live your life by design and not by default.

Therese R. Nicklas is a CERTIFIED FINANCIAL PLANNER™ and Certified Money Coach(CMC)®, founder of The Wealth Coach for Women, Inc. She’s passionate about helping women attain financial freedom so they live their life by design and not by default. Learn more about Therese at You can download her eBook, filled with tools and tips to help you attain financial freedom “The Money & Life Playbook”.

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20 Ways You Can Become a Powerful Communicator



Emile Steenveld Speaker and Coach

Some people seem to naturally know how to effectively communicate in a group setting. They can express themselves clearly and listen attentively without dominating the conversation.

Being a powerful communicator is important for several reasons, including building and maintaining relationships, achieving goals, resolving conflicts, improving productivity, leading and influencing others, advancing in your career, expressing yourself more confidently and authentically, and improving your mental and emotional well-being. Effective communication is an essential life skill that can benefit you in all aspects of your life.

But, don’t worry if you don’t naturally possess this skill, as effective communication is something that can be developed with practice, planning and preparation.

1.  Listen actively: Practice active listening by giving your full attention to the speaker and responding to what they are saying.


2. Use “I” statements: Speak from your own perspective and avoid placing blame or making accusations.


3. Avoid assumptions: Don’t make assumptions about what the other person is thinking or feeling.


4. Be clear: Express your thoughts and feelings clearly and concisely by getting to the point and avoid using jargon or overly complex language.


5. Show empathy: Show that you understand and care about the other person’s feelings.


6. Offer valuable insights: When speaking in a group, provide a valuable takeaway or actionable item that people can walk away with.


7. Be an active listener: Listen attentively and respond accordingly, incorporating your points into the conversation.


8. Choose the right time: Pick the most opportune time to speak to ensure that you have the group’s attention and can deliver your message without interruption.


9. Be the unifying voice: Step in and unify the group’s thoughts to calm down the discussion and insert your point effectively.


10. Keep responses concise: Keep responses short and to the point to show respect for others’ time.


11. Avoid unnecessary comments: Avoid commenting on everything and only speak when you have something important to say.


12. Cut the fluff: Avoid being long-winded and get straight to the point.


13. Prepare ahead of time: Sort out your points and practice them before speaking in a group.


14. Smile and be positive: Smile and nod along as others speak, to build a positive relationship and be respected when it’s your turn to speak.


15. Take responsibility: Take responsibility for your own actions and feelings.


16. Ask questions: Ask questions to clarify any confusion or misunderstandings.


17. Avoid interrupting: Allow the other person to finish speaking without interruption.


18. Practice active listening: Repeat what the other person said to ensure you have understood correctly.


19. Use your body language too: Use nonverbal cues such as eye contact, facial expressions, and body language to convey your message and build rapport.


20. Be aware of the tone of your voice: it should be calm and assertive, not aggressive or passive.


By keeping these tips in mind, you can improve your communication skills and become a more powerful communicator, which can help you build better relationships, achieve your goals, and lead a more fulfilling life.

I you want to learn how to become more confident in life then you can join my weekly mentorship calls and 40+ online workshops at so you can master your life with more success.

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