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Jean Chatzky says that anyone can prosper in even the toughest economic times… if they possess the key traits and abilities that will set them apart. She calls these traits The Difference, and in her new book Jean describes how you can go from the person who lives paycheck to paycheck to the person who lives in comfort.

Do you have The Difference? And, if not—how can you get it? Jean shares the eight things that matter most to help you become financially free.

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Financial expert Jean Chatzky wants you to stop making excuses and get richer! She has four simple steps anyone can follow to the path of financial success.

1) Maximize Your Income

• Set an income goal.
• Ask for a raise.
• Work an extra hour a week.
• Learn more about making more.

2) Spend Less Than You Make

• Pause before you purchase.
• Pay bills on time.
• Use a debit card.
• Shop around.
• Find extra money for your savings.

3) Invest Money You Don’t Spend

• Save automatically.
• Earn more interest.
• Build your money confidence with Jean’s investment basics.

4) Protect Your Money

• Get insurance.
• Get a will.
• Get an account in your name.
• Learn how to better secure your future.

Source: Jean Chatzky on Oprah.com

Read also: How To Automate Your Income

“There will be inflation and the standard of living will go down. That’s the effect the higher fuel prices will have on the people,” said Tun Dr Mahathir Mohamad. “The rakyat is already burdened by the rising cost of living. We cannot justify the increase by saying that our fuel price is still lower than Singapore,” he said.*

Almost everyone I know are discussing, angry or complaining about the recent increase in petrol price in Malaysia. People are already contemplating to get by the increasing cost of transportation by suggesting various means such as car-pooling, buying a fuel-saving car, taking public transportations, or even cycling to work. Well, I must say that these are valid moves to reduce our daily expeneses. BUT… how long can we continue doing this to keep reducing our standard of living? This is a defensive financial approach towards our personal finances.

There is another way.

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