Recast your current problems into proactive goals.

Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals.

Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there.

Time is key to building your financial security.

When you are grateful - when you can see what you have - you unlock blessings to flow in your life.

The way to build your savings is by spending less each month.