You will need to make a clear plan of how to get where you want to. The financial plan needs to be broken down into realistic achievable goals with a clear deadline.

The plan needs to include how much you are currently using to pay off debts, how much you are currently using to cover all living expenses and

How much you are currently saving?

When you have that clear you need to look at where you are going to cut costs.

What can you live without?

Do you subscribe to magazines or newspapers you do not need?

Do you have memberships you do not need?

Is your rent or mortgage very expensive?

Are you spending a lot of money on driving where you do not need to go?

Do you rather eat out then cook yourself?

Do you pay too much for electricity, telephone, Internet connection and TV?

Do you have the best credit card, insurance, rent or mortgage and bank account deals you can get?

The meaning of these questions is that you should not settle with what you have now. Then your situation will stay the same.

Always shop around for better deals and always look at how you can cut costs.

Maybe you find out you need to move to another place where it is less expensive.

Maybe you need to eat more canned beans.

Maybe you need to use your bike, or your feet instead of the car.

Maybe you need to read magazines only when you go to the dentist or to the hairdresser.

Whatever it takes to improve your financial situation; decide to do it.

Write down both the longer term goals and the short term goals and what you will do to achieve them.

* You need to set time limits for when you want to achieve the goals you worked out in the previous step.

* Write down exactly what you are going to do to achieve them.

* Make a detailed clear plan of exactly what you are going to do to cut your expenses.

* Make a detailed clear plan for how you are going to get out of debt.

* You need to set the amount of money you are going to save each time you get your pay check.

When that is done you are ready for the next step.

Finally, To increase your chances for success in your extra money making venture: Explore these 3 key points as you develop your idea:

1. Demand: will you provide a service that is needed.

2. Ingenuity: what will make your product or service stand out for potential consumers.

3. Marketing: how will your intended audience learn about your great idea.

With planning and patience you can launch a thriving business or tap a new source of income in the evenings or on the weekends. Begin with a budget and a solid plan and end with a little extra cash in your hand.

Our Club Society is the most listened to audio author on personal and business success in the world today. His fast-moving talks and seminars on leadership, sales, managerial effectiveness and business strategy are loaded with powerful, proven ideas and strategies that people can immediately apply to get better results in every area.