A simple question. Do you really want MONEY? I bet you would says "Of course I want MONEY!". Almost anyone you asked wants money. Did you ever ask yourself why you want money so much? Is it because you can buy the things you want and have a lot of freedom?
Yes! what you really want is freedom that money can give you. When you have a lots of money you may have a lots of freedom. It's pointless if you have a lot of money and you are loss of freedom. Would you want to be millionaire or billionaire but serving a prison sentence for the rest of your life? No right.
Well, it's very easy to answer the first question, if I were to ask you, how do you get the money you want? how? for this question, there would be several answer, you can work for it, you can get commissions and receive royalties fee and you can get through investment or interest. You can even get money from the sky - An Indonesian businessman plans to throw 100 million rupiah (about $10,600) out of an airplane over the capital this Sunday as a publicity stunt to promote his new book…
In fact, in reality there are only 2 basic ways to accumulate your money:-
1) Use our time and effort to exchange for money by working for it or,
2) Get our existing money to work for you and replicate itself.
Are you able to become wealthy by doing above, YES! you can if you are able to keep, most people does not know that it is not how much you earn make the different, it is how much you save make the different and this is the single most important difference between rich and poor. Sad to say that most people just spend more than they earn and get themselves enrol into financial disaster.
Our Education has taught us how to earn a living, not how to manage money once we get it, this explains why the answer to becoming wealthy is financial education and discipline.
There are many ways to educate yourself to be wiser in managing your money. I think the most easiest one is to read more book. Gaining knowledge reading books related to personal finance and investment not just give the knowledge you want but also can use to claims income tax as well, there is no reason for stopping you from start reading I guess.
Self-discipline is important, I know that many people who desperately wanted to learn something but they would never want to take action to do it, for example if I placed a personal finance book in front of them every day or a month, they would never flip a page. They are too comfortable in their comfort zone and do nothing to change it and keep saying they are poor. If their head is poor how is going to fill their wallet? or, more correctly, what is not in their head is not in their wallet.
People who spend the greatest amount of money on TRASH are the poorest people, they never even think of investing in themselves. Self invesment is the greatest asset you can get and it's your brain that can turn anything into money for you.
Self Investment + Self Discipline = A lot of money.
To get money is to learn how to control it, you need to improve your financial education and build your self discipline moving towards your goals to financial independent.
I would recommend book that I had read to share with you in my next post, please feel free to comment on this post if you have any good book to recommend. 
Million Ringgit Homepage is a down to earth blog sharing topics related to managing money, debt elimination, personal development, financial planning, practical investment towards life riches. The first thought for this domain name is money, it was meant to exists to earned a million ringgit, perhaps it fail to achieve the main objective of this domain to cater Malaysia market in selling pixels which was an idea by Alex Tew (
