I am proud of you that you decided to read this article. These methods had helped me a lot, especially when I was in college. Many of you have written me and asked me how to make money and how to generate extra cash when you are broke. So many of you are still in school and a lot of employers only want to give you a minimum wage and you can barely survive with the minimum wage. Some of you are working hard daily and live from paycheck to paycheck.

I can relate to what you’re going through right now, so hang in there and be ready to see great and positive changes in your life today after you read this article!

I used to save left over food from the cafeteria where I worked in college, so I could survive, because I didn’t any money to buy food that summer. I had to borrow money to buy my super expensive college text books. So I can understand what you’re going through right now.

Listen carefully to this; you can change your income significantly and your life by changing your daily habits. You must be willing to change! You must be willing work hard for to make the changes.

It doesn’t take a smart people to figure it out why we go broke.

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It means that our spending is more than what we earn. People go broke because their expenses are higher than their income!

The first thing you want to do when you find yourself broke is to start writing your expenses down on a piece of paper down to every penny of it. It is called, reviewing your net worth. You want to know how much money in your bank accounts and your wallet!

You must write down your expenses, income and this is a must! You can track down what you can not see. Please listen to this, start learning how to keep in track your expenses and income! Have a small book or PDA with you at all time to write down your expenses and income.

You must know how much money have and if you don’t have any right now, you must know how much money you want to have in the future. Make sure you write down a reasonable goal that you can achieve, like by Oct 30, I will have $300 in my savings account, and by Dec 30, I will have $600 in my savings, and so on. Believe me, when you know your goals and destination and you know where you are going, it will give you the motivation to go there!

Now get ready for the life changing methods that may help you get out of your challenges and trials. These are the methods that will help you to change your income level!

1. You must change your daily habit!

I love what the Bible says, “look and observe the ants.” Why would I want to look and observe ants? The reason why you want to be like ants is, ants are not lazy! They work day in and out, they are willing to save up some food for the winter time by working very hard in the summer. Believe it or not, Ants never eat more than they earn. They know how much food to give to their colony; they know how much food they need, so they can have enough food to eat for everybody in their ant colony. The will work hard to get the food their need for the winter time even when they have to sacrifice their life for the life of their colony. That’s why sometimes; ants will frustrate you, because they will keep coming to your house until they are sure that they have enough supply for every ant in their colony. They will stop coming to get your food when they know; they have plenty of food to survive during the winter.

Listen, your time is the most valuable thing that you and I have! We can trade our time for money by solving someone’s problem. Find what you’re good at and use your time, talents and gifts to start making money for you.

I was good in computers, so I charged students and school faculties if they want me to fix their computers.

Wake up early in the morning and use your day wisely to make money. Have you ever noticed that people who sleep too much and people who watch TV and movies too much don’t have much money? The reason why they don’t have much money, because they are not willing to trade their time for the money they need. They waste their time for something that won’t make them rich. Your time is like the energy in a battery, sooner or later, you will run out of it if you don’t know hot to use it wisely.

So get up! Stop being lazy! The rich and the poor both have 24 hours/day, 7 days/week, they rich don’t have more hours than the poor, but what makes a big difference is how they use up their time to generate wealth!

Go to work an hour early and go home an hour late. You must discipline yourself to work harder and smarter than everybody else! Most people love to come late and leave early, that’s why they are poor.

If you own your own business, make sure you give your customers your best for the bucks! It makes them want to do more business with you in the future. The next time you are tempted to waste your time, think twice!

Your daily habits will determine your future and what you do today will decide what’s coming to you in the future.

2. You must learn how to sell!

I used to buy a lot of cheap computer parts on UBID.com and EBAY.com and sold them to students who needed the computer parts. Before I bought them, I asked several students whether they will buy the computer parts from me when I got them. When I had buyers for the products, then I bought them cheap at the auction sites and sell them higher than cost of buying them.

You must be aware of the trend in your school! I remember the day when network T1 connection was popular at our school. I sold network cards like cakes, because back then not every computer had a network card. How about IPOD? Find out how many people own an IPOD and start selling the IPOD case, cover and accessories!

Keep your eyes open toward the latest trend and new things that are going on in your area!

You must learn how to sell. A lot of students got hungry at night, so I stocked up some food in my fridge and sold them to the people who didn’t have a car to go to the store!

Read books and listen to tapes that will teach you how to sell better. Use your mind to think of ways of making money.

Make a DVDs rental in your dorm room! You can buy 100 DVDs on Ebay for $100 and make your own rental place in your dorm room! Charge student $1 for a day to rent the DVD! Make sure they don’t steal your DVD! Keep record of who rents the DVD. 100 students rent your movie, that’s $100/day!

You can even start using the Internet to generate money by selling on Ebay! Ebay is a great money making tool that I am using to these days to generate additional income. Learn how you can make money on the Internet. Invest your time and money to learn more about ways of making money on the Internet.

I don’t care how good in computers, web design or giving make up, but if you can not sell your skills, you won’t be making money out of your skills. You must learn how to sell and market your skills and learn how to be good at selling.

You see, when you use your mind to think, a lot of ways to make money can come up in your mind and you will never be broke ever again in your life! A lot of people are broke because they never use their mind to think!

3. Invest 10% of Your Money In Skills that Can Help You Create More Money!

When I first came to college, I didn’t know how to do web design and how to develop a web site, but I used 10% of my income to buy books that would teach me how to be a web designer and developer! I took my time to develop my skills to become a web developer! Within a year of learning, I started to build web sites for other people on campus and made higher income than the rest of the students in college.

You must invest in other skills that will help you to make more money. If you like to give make up, well you may want to invest books on how to become make up artist! You can charge people to do their make up and hair for them when they want to go to a party and different special events. I know a guy in college who made his money by cutting hair. He charged $8 for a hair cut while Super Cut charged $15. So people came to him to get their hair cut.

I knew also some students who did house painting for other people in the community on the weekends.

There are thousand of ways of making money when you are broke, you just have to find the right kind of skills for you and the willingness to take action and do it.

4. Exercise, Eat Good Food and Keep Yourself Healthy.

Your mind is the most powerful asset that you will ever have in your life time. Your mind can help you create wealth! So listen to me, “STOP ABUSING YOUR MIND AND BODY!” Eat healthy, exercise, and get enough rest.

I learned that when I feel good, I can think well. I can think of ways of making money when I feel good about myself.

How can you think when you have heat pack on your head, thermometer on your mouth and blanket on your body? When you’re sick, you can’t use your mind to think! So make sure you keep yourself healthy and well!

I remember what one of my martial arts teachers told me about drinking alcohol. When you are drunk! You can even fight you defend yourself! So how can you think of ways to make yourself rich when you are drunk! The best way to be ready for a fight is to be sober. The best time for you to think is, when you are sober. If you like to drink a lot of alcohol, you may want to consider quiting your drinking habit.

Take care of yourself and be good to yourself and your body. Keep your body and mind healthy and well, so they can help you to think well.

5. You must believe that today’s circumstances are only temporary, they will change!

High achievers never look at their situation today; they always see themselves as how they can be in the future. Look, you may think that your situation today will never change. When you are going through a financial trials and challenges, you may feel like you are not making any progress in your life, but believe me, it is only temporary. Try to extract wisdom and understanding from the trials and challenges that you are facing right now. When hard times hit us, our mind will be forced to think.

I got my motivation to work hard when I didn’t have food to eat that summer in college, my stomach was hungry, and I had to eat left over food. I didn’t have a car for 6 years, believe me, it was tough when you had to ask your friends to drive you every where when you need to go somewhere.

I vowed to myself that I will work hard to achieve my goals and dreams. I realized that no body else would help me except myself. I was the one who was responsible for my destiny and life. I was the one who could change my life. I vowed to myself that I would work hard, to have the determination, patience and willingness to change my daily habits, so in the future; I don’t have to eat left over food anymore, I can drive any car I want, and have my own place to live.

If you believe in God, it is time for you to really kneel on your knees and spend time with Him. Pray about it, ask God to bring financial wisdom and prosperity into your life! Don’t be afraid to ask the Lord for a blessing! He is God who created you; He is the God who will give you strength, courage and wisdom to go on! Make a special time for you to talk to God and pray every day!

I believe in you’re my friend, I believe in you! As you sit there right now, I want to see yourself as a special person with a special gift and talent that can be used to get you out of trouble! The best days of your life are just ahead of you! You may not be able to see the days ahead of you! But have faith! Have faith! You can do great things in your life! You can make a difference in your life! You have the strength and power to make your life better! I believe in you’re my friend! I believe in you! Stand up, get up and stand tall! You are gifted with a great mind to think! Your mind can help you way different ways to set you free! Get up and stand up my friend!

Tell yourself right now out loud as you read this repeat this out loud after me “I am able to change my life! I can go through this trial that I am going through, I will stand tall, and I will not be defeated by these trials and challenges! I am special, I am unique, and I believe that the best days of me are just ahead of me! Everything will be just fine! I vow today that I will give my best to work hard for my future! I will not be lazy! I will form positive daily habits today! I will not lie again to myself, when I say I will do it, I will do it! Tomorrow will be a new day, and I will face with confidence, tomorrow will be a new day for me!”

Tip: How do you make $40/hour? When I was in college I lived in a dorm and I noticed some of the guys were lazy to wash their clothes. Listen to this story carefully. So I asked them whether I could do their laundry for them for $40/hour, believe me or not, some of them were willing to give me $40/hour to do their laundry. Some of you may say, "I don't want to do someone's else laundry." I know that, but while the rest of the campus made only $4.25/hour, while I was making $40/hour. It took nine and half hours for everybody else who was embarassed to wash other people's laundry to make $40. Can you imagine how much money you have if there are nine people who want you to wash their laundry! 9 people * $40/hour = $360/hour. The point that I am trying to make is, you don't really need a job to make money! If you only know how to observe other people's needs around you. You can serve those people's needs to make a lot of money.

I love each and every one of you and with all my heart; I believe that you can do it and you can start creating your wealth today!

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