There are spenders and saver and investors in this world. Which are you? Sometimes it takes emotional shift to be wise investor of your time, money, resources, assists and energy. Invest holistically, spend carefully, save easily.

Here are some key points to remember:

1. Cut cost in waves. Eliminate as much recurring cost as possible.
2. Assume you’re broke and have nothing to spend.
3. Turnover all spending authorization to a tightwad.
4. Sometimes we get a high from spending…know if this is you.
5. Sometimes spending on business item makes us think we are more successful than we are.
6. When times are good there is no compelling evidence that we should spend more, yet we do.
7. Expect a 10 to 1 return on every business expense or investment. If it doesn’t measure up don’t spend. Invest aggressively, spend wisely.
8. Set a stringent budget that guarantees profitability.

Carpe diem,