Wealth

Daily Habits of Successful People

01/08/2026 by Roy Sutton

If success is your aim, can you learn from the daily habits of successful people?

Certainly, I believe quite strongly that we are what we do daily.

Anything you achieve or don’t achieve is brought about by the habits you develop over time.

Everything you do is a result of your habits, good or bad. So surely it makes sense to develop and maintain good habits and make them your master?

The power of repetition:

Habits, good or bad, are formed through repetition.

Good habits can be hard to form, but they’re easy to live with. Whereas bad habits, whilst easy to form, tend to be very hard to live with. Our lives can become a battle of good habits versus bad habits. Don’t let the bad habits win.

Good habits can be learned, and bad habits can be replaced by good habits. Yes, it requires self-discipline on your part, dear reader, but it can be done, and people do.

Decide on the habits you want to develop and focus on achieving them one at a time.

Start with one good habit:

Start with one good habit you’d like to form and then force yourself to repeat the necessary actions daily.

After around three weeks, that habit will be formed, and it will just become part of your routine. You’ll start to repeat it with little or no thought. Essentially, you’ll do it on autopilot.

If you have a bad habit you wish to replace with a good habit, then each time you find yourself about to perform the actions of the bad habit, stop yourself and perform the actions of the good habit instead. Again, after around three weeks, the good habit will be programmed into your brain.

Self-discipline is key:

Successful people are driven to develop good habits. Self-discipline is the key ingredient for good habits to form and for replacing bad habits.

Successful people also establish the habit of goal setting on a daily basis.

You cannot hit a target unless you can see that target. Setting a goal is the first step in achieving that goal. Successful people are results-oriented.

Successful people are also people-oriented.

The power of helping others:

You get what you want in life by helping other people get what they want.

Every product is a solution to a problem. Even if your goal is to sing or dance, to succeed you must always recognise that you perform to and for people.

They have a need to be entertained and your aim is to fulfil that need. To solve this particular problem for them if you like.

In dealing with people you must be honest and show integrity if you are to win the respect of others.

So honesty is a good habit to develop. Dishonesty and cheating will catch up with you and will be a permanent stain on your reputation. You don’t need that now, do you?

Look after your health:

And above all, you must look after your health. You have one body and one mind and they must last you a lifetime.

So develop the habit of taking good care of both.

To reinforce the message of the importance of repetition and routine I‘ve included this excellent video from Brian Tracy.

Brian is always a source of great advice for anyone seeking success and aiming to create a successful life for themselves and certainly, he’s one of my main sources of constant inspiration.

The video is short but well worth your time and I recommend you watch it now.

Habits of successful people:

What makes a great idea and why you should keep a journal

12/21/2025 by Roy Sutton

What makes a great idea? Now, that’s an interesting question, in my opinion.

How is it that one idea can be successful and another idea less so?

Why has the iPhone been so successful, yet once-popular smartphones like the Blackberry have disappeared?

How do you know when one of your ideas might make a big difference?

The importance of timing

A key ingredient for a great idea is timing. Ideas are a dime a dozen. The trick is to know when one of your inspired thoughts is right for its time and, therefore, how hard to push it.

If you’re too far ahead of other people’s thinking, the inspired thought you believed was a great idea will only be ignored because it won’t resonate with people.

If you’re too far behind, then it will be ignored because they’ve seen it all before, or something else is already doing it better.

However, if you can hit that sweet spot between the two extremes, then you can generate value from your idea because it will solve a problem or capture the imagination of the people who are ready for it.

An idea whose time has come is a truly great idea. Though coming up with one is not so easy, of course.

Good ideas are valuable

Great ideas are rare, so they become very valuable. And that value is why it’s worthwhile to constantly seek out great ideas.

Should you decide the world is not quite ready for your inspired thinking, don’t worry. The world not being ready now doesn’t mean the world will never be ready.

Keep a journal and make a note of all those flashes of inspiration. And add your journals to your library. Never throw your journals away. Go through them occasionally and see what ideas you’ve had for which the time might now be right.

Keep a journal

The real message today is:

KEEP A JOURNAL!

Your journals could be a source of pure gold in the future, so make sure you buy quality notebooks that you can add to your library as you fill them with your thoughts and inspiration.

By keeping journals, you’re creating value. Value starts with a good-quality notebook, so it’s worth investing in quality.

And never, ever dismiss your ideas. They may not work today, but one day they may make you a fortune.

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Filed Under: Wisdom Tagged With: Achievement, Business, Creativity, Employment, financial freedom, Ideas, Inspiration, Keep a journal, Making Money, money, Motivation, riches, Success, Wealth, What makes a great idea

How to develop effective time management skills

12/14/2025 by Roy Sutton

Time Management Skills:

Developing effective time management skills is an essential ingredient for success, and I’m sure you’ll agree. You can’t add real value without making the best use of your time.

However, making the best use of it is not always easy in practice, is it?

So, how good are you, dear reader, at managing your time?

Do you have a reputation for being ruthlessly efficient and productive, or are you someone who’s always struggling to keep up?

When someone asks you to do something in the office, do you accept their request without question and simply add the task to your ‘To Do’ list? If you do, you’re not alone. Many people will do that, in my experience.

Alternatively, perhaps you’re the type who thinks carefully relative to your priorities before you accept such a request. Now be honest. We’d all like to think we’re the latter, when in fact far too many people are the former I think.

Productivity is what matters:

In the world of work, it’s easy to confuse being busy with being productive, but these two concepts are not the same thing at all, are they?

For instance, you can be busy doing things that don’t need doing at all. Whereas being genuinely productive means delivering real results from high-value tasks, which can only be done by someone with your skills.

And let’s face it, reputations are built by being productive, not merely by being busy. It’s the results you deliver, not the energy you expend, that matter most.

Time is your most precious resource:

How often do you hear someone say, “Oh, I would love to do that, if only I had the time.“

And yet we all have the same amount of time, i.e. 168 hours per week.

Time is simply a resource like money, although it’s more important than money. I say that because you can get more money, but you can’t get more time. None of us can do that, can we?

So you must learn to use your time wisely. Time is your most precious resource, so you must develop effective time management skills.

High-value tasks must take precedence:

Modern pressures mean it’s easy for us to try to do too many things. We can all be a bit like that, including me, dear reader.

Our lives are cluttered with too many activities, too many objectives, too many distractions, and far too many demands on our time.

The result is that we tend to lose focus on what matters most and in the end we don’t do anything as well as we should have done.

In my experience, in most jobs, you’ll find that 90% of productivity is down to completing the top three or four major activities within that job. What I call high-value tasks.

If you take the top three major activities – the high-value tasks – associated with your job and focus on those to the exclusion of just about everything else you’ll almost certainly maximise your productivity and efficiency.

Most common time management mistake:

The problem is, when we’re working, we seem to find it easier to focus on minor tasks and random actions requested by other people.

We feel obliged to accept requests from others. It’s a common mistake of which we can all be guilty.

Now, while tidying up all those minor tasks might make us feel like we’re achieving some quick wins, we’re usually fooling ourselves.

By the end of the day, we’re usually left with a sense that we haven’t done all we should have done, and that leaves us feeling stressed.

And that’s when we start to think about how we might improve our time management.

We can’t do everything, nor should we try:

We must recognise that we can’t do everything, but we can be selective about what we choose to do.

And if we’re going to get those major tasks of higher value completed, then they must take precedence over those low-value, minor tasks, which can always wait if necessary.

High-value tasks should always take precedence over low-value tasks.

Work smarter:

People often think of time management as a skill that would allow them to work faster. Well, let me tell you this: that’s not the idea at all.

Effective time management skills allow us to work smarter rather than harder.

Instead of getting lost in the minutiae of everyday life, with effective time management skills, we focus on and prioritise those things that will add the most value to our productivity. In other words, we focus on high-value activity.

The law of three:

So. if time management is an issue for you, dear reader, start by taking a good, hard look at your list of daily activities and asking yourself these three questions:

What single task can only I do and, when completed by me, will add the most value to the business?
What’s the second task on my list that only I can do, and when I’ve completed it, will allow me to add the most value to the business?
What is the third task on my list that only I can do and that, when completed by me, will add the most value to the business?

Once you’ve identified your list of three major, high-value tasks, that’s where your focus should be each day before you touch any other minor tasks or accept random requests from other people.

Most powerful time management tool:

The point of work is to deliver results. You’ll deliver the best results if you concentrate on your top three major tasks first.

And never forget that you’ll be judged by the results you deliver. No one cares what you have to do for someone else, they only care about the results they expect from you.

Your time is your time, and you must decide how it is to be used most effectively.

Just because someone asks for a piece of your time doesn’t mean you’re obliged to give it to them at the expense of your productivity. Never be afraid to deploy the most effective time management tool of them all.

And what is the most effective time-management tool? It’s the word NO.

Think of the word NO as a baseball bat.

Whenever someone requests that you do something, NO is how you can whack that request right out of the ballpark.

Be in control of your time, at all times:

You’re not obliged to agree to a request even if someone asks nicely. It’s reasonable to be working to your priorities.

All too often we feel obliged to do things for other people when we should have just said politely, “No, I’m sorry, but I can’t do that right now for you because I have to deliver this by 5 pm and it’s a priority.”

If our productivity matters to us, and it should, then our focus should always be on our major, high-value deliverables.

Unfortunately, we allow ourselves to be driven by the agendas of other people.

However that’s not good for our productivity, nor is it good for our well-being or stress levels.

People will take everything you’re prepared to give:

I can tell you from experience that other people will take everything you’re prepared to give and a bit more besides. That’s the nature of people.

However, if you fail to deliver what you’re being paid to deliver, then no list of incidental work completed for other people will be accepted as an adequate plea in your defence when your boss wants to know why you’ve failed to deliver your high-value results.

If you’re painting my house, I’ll measure you on the quality and timeliness of your work, not the amount of help you gave to my neighbour by, say, looking after her dog.

What you do for other people is irrelevant to me, should you fail to deliver what I’m paying you to deliver.

Focus on your priorities:

In reality, if your colleagues can’t get something done by you, they’ll simply ask someone else. So let them.

Why worry? Just be very polite when faced with a random request, but say NO firmly. I can tell you this: you’ll have to be disciplined, but it’s a habit worth developing.

We can all be guilty of expending far too much of our energy helping other people achieve their aims, to the detriment of our interests and our ability to deliver high-value results.

To achieve anything of significance in life, we must be focused on our major activities.

We must concentrate on completing our big three major high-value deliverables daily and focus relentlessly on working towards achieving our own goals generally.

The need for balance:

If you’re asked to do something, then it’s perfectly reasonable to say NO, if doing otherwise would prevent you from delivering the results you’re being paid to deliver on time.

Yes, of course, occasionally there will be tasks you’re obliged to accept for whatever reason.

However, mostly being firm in declining such a request is a sign that you’re assertive and in control of delivering as much value as possible.

Another polite but firm response to a request might be something like, “Sorry, I would love to help you with that, but I cannot right now because I have my hands full with the deadline for this project.”

As with everything, there is a balance to be struck, of course.

Sometimes it’s in your interest to do someone a favour because one day you might need them to return that favour. That’s reasonable, provided you always retain a primary focus on keeping your main things the main things.

Conclusion:

You should always ensure that you’re making progress towards achieving your big three deliverables and your own goals generally.

It’s perfectly reasonable to have your agenda and a desire to achieve your own goals and add the greatest value only you can add.

If you want to make a difference, focus on your three major activities.

Those activities that only you can do.

And to ensure that you’re doing that, don’t be afraid to use the most effective time management tool of them all whenever necessary. Use the word NO politely but firmly.

Always keep the main things the main things.

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Filed Under: Wisdom Tagged With: Achievement, being the best, Inspiration, Life, Making Money, money, Motivation, Philosophy, Priorities, Sage Advice, Stress-free, Success, Time Management, Time Management Skills, Wealth, Wisdom

How to get along with people and make the world better

12/07/2025 by Roy Sutton

How to get along with people? It’s a classic problem. We don’t have to like people, but life’s better if we can get along with them. But how?

Life’s great challenge:

Dear reader, do you have problems getting along with other people?

Do you find it difficult to deal with some people as you go about your daily routine?

Well, it’s true; some people can be challenging and quite difficult at times. I’m sure most readers will have had that experience occasionally.

However, in my experience, most people just want you to be nice to them. They want to be respected for who they are and treated with courtesy.

I’ve learned over the years that if you respect people and take a genuine interest in their lives, then generally they’ll respond warmly to you. Not all, perhaps, but certainly most people.

How to get along with people:

Think about it.

We all just want to be treated with courtesy and respect and appreciated for who we are and what we do, don’t we? Certainly, I do. Don’t you, dear reader?

If we accept that as true, then the way to get along with other people is not difficult, surely?

The trick is to treat people with courtesy and respect, regardless of who they are or what they do. Treat them as you would prefer to be treated.

Be kind and considerate to them as individuals, and there’s a good chance that they’ll treat you well too.

You don’t have to like people, but life’s better if you can get along with them. And if you can get along with them and get to know them, then you might just get to like them in time as well.

The world can be a better place:

If we can all get along, then it will make the world a better place.

If we can all be kind and considerate to our fellow human beings, then we could have a world free from strife and tension.

So go on, show people some respect, show them a little appreciation, take an interest in them for who they are and what they do, and above all, never underestimate the power of a thank you.

I always feel better if I think I’m appreciated, and I’m sure you do too. We all do.

So the trick to getting along with people is simply to treat them as you would prefer them to treat you. It works every time for me.

And I’m confident that it will work well for you too, dear reader.

So go on, make every effort to get along with people, and make the world a better place.

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Habits of Poor People – 15 things poor people do that the rich don’t

10/31/2025 by Roy Sutton

Can we learn from the habits of poor people when it comes to money?

Certainly, when considering what the rich would not do.

It’s a fact that the choices people make will affect the life they experience. That goes for money, as well as for every other aspect of their lives.

Quite simply, our lives are dictated by the choices we make, whether we like it or not.

The video in this post makes some interesting observations about the choices made by people destined to remain poor relative to those who enjoy greater prosperity and the finer things in life.

Habits of poor people

Now you might feel that some of the observations made here are a little harsh on the less fortunate, but actually, in my experience, the points being made are ‘bang on the money‘, if you’ll excuse the fashionable terminology, dear reader.

I think you’d be wise to listen carefully and think about the underlying messages in the video and be honest with yourself.

Just think about it for a minute, and I’m sure you’ll agree.

We enhance our value by increasing our knowledge and skills, rather than making sure we know who the latest fashionable celebrity is dating. Why would that matter to anyone?

Listen, learn, and make changes as necessary.

You don’t have to be poor but, if you are right now, then you need to start making some changes.

Nothing will change unless you do. Keep doing the same thing and you’ll keep getting the same result. Do what successful people do, and you can be successful too.

Things Poor People Do That The Rich Don’t:

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Why you must earn before you spend

09/14/2025 by Roy Sutton

Today’s message is all about why you must earn before you spend.

Earn it before you spend it! ~Author Unknown

Why you must earn before you spend:

If you want to build wealth, then developing good money habits is essential, dear reader.

And if you’re a parent, it’s a good idea to encourage your children to develop good money habits as well.

In fact, if you can only give your children one piece of financial advice, then the best piece of advice is included in the quote above. I can’t repeat it often enough. Earn before you spend.

Far too many people today do the exact opposite.

People spend money they don’t have to impress people they probably don’t even like. The result is a burden of debt from which it can be very hard to escape.

Occasionally, we all want to buy those big-ticket items. A nice television, nice furniture, a nice personal computer, tablet, or smartphone, et cetera. Naturally, these are things we all want. The question is, does it make sense to incur debt to own these things?

My advice is to save the money first and then buy the thing you really want.

Financing schemes are there to make other people rich. And by using unsecured finance, that always means you’ll pay a lot more for items acquired using credit.

The ‘buy now, pay later’ deal comes with a high interest rate added. So inevitably, if you go down this road, you’ll end up paying a lot more than you would otherwise.

Yes, you’ll receive the item more quickly; that’s true. However, you’ll enrich someone else at your own expense. In what way does that make sense? After all, a debt burden can prove very stressful.

Now, be honest with yourself; there really are very few things in life we couldn’t live without if we really had to, surely?

Look after your own interests rather than lining the pockets of other people while impoverishing yourself and your family in the process. That is today’s life tip.

Financial education matters, and the sooner you get one, the better.

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The 4 steps to financial freedom

09/12/2025 by Roy Sutton

Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this. ~Dave Ramsey

Many people are searching for the steps to financial freedom. Search the internet, and there will be references to seven, eight, nine, and even ten steps, but I think only four steps matter.

However, before I discuss those steps, let us first think about the biggest cause of people remaining poor, namely the debt burden.

Statistics suggest that most people these days are heavily in debt. And debt is a burden that enslaves us. Knowing we have debts can be stressful.

What is the underlying cause of such debt? That’s simple. Mostly, it’s the overuse of credit cards with little or no thought to how this will affect our financial well-being.

Unsecured debt built up through the excessive use of credit cards is expensive. Very, very expensive!

That means even a small sum outstanding on a credit card can quickly become a large debt due to the effect of compound interest if you only make the minimum payment each month.

Are you affected by debt, dear reader? Are your finances out of control? Would you like to achieve financial freedom?

Steps to Financial Freedom:

People often say, “If only I could increase my income, I could pay off my debts.”

Those same people, if they did increase their income, would probably just spend more. And financial freedom would remain a distant dream.

If financial freedom is your aim, then you must take control of your finances. The steps to financial freedom are as follows:

1. Spend less than you earn:

It all starts with spending less than you earn. If you spend less than you earn, you can work on becoming debt-free and then start to build capital.

2. Pay yourself first:

You must always pay yourself first. What does that mean? It means that as soon as you get paid each month, you take a minimum of 10% of what you earn and put it away somewhere safe immediately.

Never, ever wait until the end of the month to see what you’ve got left.

If you do that, you’ll never save anything.

If you take 10% upfront, it will just be another debit on your income like taxes and pension contributions. You’ll quickly get used to having only the remaining 90% to live on.

And what do you do with the 10% or whatever you’ve put away?

3. Eliminate credit card debt:

Initially, if you have a credit card debt burden, then it makes sense to use that money to deal with paying off your debt first because the interest you’ll pay on the debt is always greater than any interest you’ll get on savings.

To pay off your credit card debt, you must find a way to eliminate the interest element each month so that any payments you then make go against the outstanding balance.

And how is that done?

Well, when you take out a new credit card account, it often comes with a period of zero interest, usually six months. These accounts also usually allow you to transfer in outstanding debt from another credit card account.

So by moving from one card provider to another and transferring the debt across to the new account, you then have a period of six months to make payments against the outstanding balance without accumulating interest on the old debt.

Never, ever use this card to increase your debt. Use it only to reduce your debt.

At the end of the period of zero interest on your new card, repeat the process if necessary. Once again, you move to another card account offering you a zero-interest period. By focusing only on the outstanding balance, it will be paid off sooner.

Eliminating the burden of debt is the first step on the road to financial freedom.

Freedom from debt will give you peace of mind. And that peace of mind is a good reason for spending less than you earn.

Once the debt is cleared, what next with the money you’ve paid yourself first?

4. Build capital:

Initially, put your money into a savings account. Then, as that builds into a larger sum, you can start thinking about other forms of investment like stocks, bonds, and property.

Once you develop the habit of putting some of your money away each month, it’s amazing how quickly it accumulates into a decent capital sum, and you’ll be on the road to achieving financial freedom.

Conclusion:

Learn to live within your means.

If you live modestly and spend your money wisely, you can ensure that you have enough money when you need it.

You can also build that nest egg for your retirement and give a little back to those less fortunate than yourself. And you’ll feel so much better about yourself, too.

Conversely, gathering too much clutter through excessive spending on things you don’t need can become stressful, as well as wasteful. The choice is yours.

Financial freedom is achievable, and it will give you peace of mind.

You will sleep better knowing you’re debt-free.

The steps to financial freedom are quite simple. Spend less than you earn; pay yourself first; eliminate expensive credit card debt; and start building capital.

Do this, and one day your older self will be grateful you made the effort, I can assure you.

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The debate about identity politics and how we get beyond it

09/09/2025 by Roy Sutton

The debate about identity politics has dominated much of the news for quite some time now. Surely we must find a way to get beyond it? In that, I refer to getting beyond the problems associated with identity, rather than the debate itself.

We’re all human beings first:

Whether we think of ourselves as Black, White, Christian, Muslim, Jewish, or some other form of ethnic or religious identity, in reality, we’re all just members of the human race, surely?

In my opinion, we’re human beings first and other forms of identity second. We’re all just people.

We all want the same things:

As people, we all want the same things if you think about it.

Ideally, we all want a peaceful, prosperous life and a better world for our children.

We want a roof over our heads and the ability to put bread and food on the table.

Equally, we all want to feel secure.

We all want our lives to have a sense of purpose and a reason for us to get out of bed each day.

And, of course, we all want to enjoy some leisure time with family and friends occasionally.

Life’s too short:

Life’s too short to worry about anything else, surely?

As human beings, we have much more in common than we’re often able or willing to recognise, and those things that apparently separate us are often more imagined than real. Well, I think so anyway.

In my experience, there are good people everywhere you go in this world.

And yet, as human beings, we often fear people simply because they are not a reflection of ourselves.

We fear what we don’t understand.

If only we could see others as human beings first. They’re people just like us, with hopes, dreams, and a desire to be loved, accepted, and respected by others.

Respect people and get to know them:

If only we could treat people with respect, regardless of whatever sense of identity they present to the world. If only we could respect others just for being themselves.

I’ve been fortunate enough to live and work in many parts of the world, and I’ve learned that if you make the effort to get to know people, whoever they are, you begin to see them differently, regardless of their origin, ethnicity, or creed.

If you try to understand them and their lives, suddenly you realise that they’re actually just like you, or not so very different at least.

Wherever you go, people are just people. We laugh, we cry, we eat, we sleep, and we all have to go to the bathroom occasionally.

Yes, there are a few bad ones, of course, but most people are honest and decent, and if you treat them with respect, you will get their respect in return. In my experience, wherever you go, people want to be treated fairly.

Avoid making assumptions about people:

When you meet people from a culture that is different from your own, it’s easy to make assumptions about them. However, how can you be sure you’re right unless you get to know them?

Judging is easy, but it’s hard to know what someone else’s life is really like. Unless you’ve actually walked a mile in their shoes, you couldn’t possibly know what their life is really like or what challenges they face daily.

So you can’t judge anyone unless you make the effort to get to know them.

And for me, that’s the underlying problem for all humanity.

We judge people first without making the effort to get to know them. We make assumptions and judge on perceived stereotypes rather than treating people as individuals.

For instance, it would be easy to assume that all Muslims have the same extreme views as those fundamentalists making media headlines fighting for the establishment of the so-called Islamic State or ISIS.

I have lived and worked in the Middle East for many years, and I know that this is not true. Some of the finest people I’ve ever met are Muslims.

I have many Muslim friends for whom I have the greatest respect. I’ve also known many Christians, Jews, Buddhists, and more for whom I could make a similar comment.

Seek first to understand:

I’ve learned to treat people as I find them and not as others tell me I should find them.

I concern myself only with the content of their character. I try to treat others with respect, and I find that generally if I do, I get their respect in return.

If only we could all treat others in the way that we’d prefer them to treat us, then I think the world would be a better place. And surely our aim should be to make this world a better place?

In the words of Stephen R. Covey, we must:

Seek first to understand and then to be understood.

Identity politics:

Identity politics has the potential to divide us all in a way that could be detrimental to everyone, but it doesn’t have to be that way. We can get along with each other if we respect people for who they are and what they are and judge them only by the content of their character.

Look beyond obvious differences to the person within. It’s what’s on the inside of people that matters most. Well, that’s my opinion, dear reader.

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The secret to being a successful entrepreneur

09/04/2025 by Roy Sutton

If you’re looking for the secret to being a successful entrepreneur, this article is for you, dear reader.

Now, how often do you hear people say they’d love to start a business and become entrepreneurs?

People will tell you they’d love to be a business success, making a difference in people’s lives with great products and services.

Then they’ll add the caveat that, unfortunately, the time’s not right for them now. They’ll have a go one day, but their circumstances won’t allow it now.

However, very few who say they’ll have a go will ever actually do so. They don’t have the desire, and they probably don’t understand the secret to being a successful entrepreneur anyway.

The secret to being a successful entrepreneur:

The only way to get rich:

The measure of success for an entrepreneur is the money they make.

Let’s face it, starting any business is all about making money for the owners. Otherwise, why would anyone bother?

Starting your own business can be a fantastic thing to do, and, for most people, it’s the only way they’ll ever have the chance to make some serious money.

Certainly, you’re unlikely to get seriously rich working for someone else.

However, to succeed in business, you must first get started.

The critical ingredient to success in business is getting off your butt and doing something about it.

And the best time to do it is now. Last year or the year before might have been better, but otherwise, now is always the best possible time. It’s simple, really.

The secret to making money:

Getting off your butt is one thing, but how do you make money as an entrepreneur? Well, dear reader, pull up a chair and listen carefully, for the secret is very simple.

The secret to making money as an entrepreneur is to solve problems for people. To make their lives easier in some way.

Solve problems; make money:

Every product you sell must solve a problem for the customer.

So, if you can identify problems for which people need solutions and offer those solutions, also known as products, at value-for-money prices, then you can make money and be successful.

Remember this, too: you don’t necessarily have to be the first with a solution, either. If you can improve on an existing solution in some way, then you can still make some serious money. If you can ‘build a better mousetrap,’ then people will buy it.

For instance, Steve Jobs and Apple were not the first to offer cellular mobile phone handsets, nor was Samsung. Yet these two companies both dominate the market for smartphones right now.

Make a difference:

Has your appetite for business been whetted, dear reader?

Do you have any ideas you think might make a difference?

You do?

Then you have to be prepared to take action. Having ideas means nothing unless you take action.

Ideas are ten a penny. Plenty of people have good ideas that never see the light of day.

Occasionally, people have good ideas but leave them unexplored for too long, and then someone else comes along with the same idea and makes a significant profit from it. That’s happened to me. I came up with a great idea for a t-shirt slogan. I failed to act, and someone else came along with the same idea; it’s currently a bestseller on Amazon. My loss; their gain.

Having ideas is easy. Implementation is the challenging part, and there are too few people with the drive and determination to turn a good idea into a viable business opportunity and then generate revenue from it.

So you must take action if you want to be a successful entrepreneur.

Not tomorrow, not next week, not next year, but right now.

Become a ‘doer’:

In my experience, true entrepreneurs are doers; they’re not dreamers.

So go on, get started right now.

Solve people’s problems, and you’ll be on the road to riches. It can be done, and people do it. And so can you! Go for it.

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5 questions that’ll help your buying decision process

08/04/2025 by Roy Sutton Leave a Comment

Today, I am considering the buying decision process.

If you want to create wealth, it starts with being sensible with your money.

So, the buying decision process is essential.

Buying decision process:

Now, how can you be expected to save money when you don’t earn enough to make ends meet as it is?

I’m guessing you may have asked yourself that question at least once, dear reader? If you have, you’re not alone. It’s a common challenge.

However, whilst some people may struggle financially, it’s also true that far too many people squander their money buying items they don’t need and probably will never use, often in an attempt to impress people they don’t even like.

For such people, their buying decision process is usually limited to whether they still have enough credit left on their credit cards.

Well, the mantra “Have Plastic; Will Purchase” is not a good one if saving money is one of your goals.

You can earn a decent income, and yet a lack of money management skills and poor buying decisions will result in you never achieving financial freedom. Poor money management skills will condemn you to a life of being poor.

So it’s essential that you learn to manage your money properly if you want to avoid long-term poverty.

Avoid the ‘I’ve got to have it’ approach:

So, be honest with yourself: how often do you buy things you didn’t need?

Stuff that you weren’t even looking for, but it was there, and it looked nice, and you thought, I’ve got to have it. Out pops your ‘flexible friend,’ and the item is yours. A brief period of gratification follows, and then the item is largely forgotten.

How often do you buy things you never use?

Take a look at your wardrobe. I’ll bet there are a few items in there that still have the store tags on them. Never used, and they’ve probably been there for quite some time, I suspect? Would I be right?

‘I’ve got to have it‘ is a great way to waste all your money. With this approach, you’ll enrich other people at your own expense. Now how could that possibly make sense?

Credit cards: Weapons of mass wealth destruction:

How often do you buy things you can’t afford with money you don’t have?

It’s true, credit cards can be a convenient means for making payments, of course, but they can also be weapons of mass wealth destruction. That’s a fact, dear reader.

When it comes to the buying decision process, most of us are driven more by a desire for gratification than by any sensible approach to managing our money carefully.

Most of us are guilty of buying more than we need. Many of us are guilty of buying items we seldom use, if at all.

If you’re like this, dear reader, then you’re not alone, I can assure you. However, that’s not a good thing.

The disciplined approach:

With discipline, you can hang on to more of your money and build capital, which, eventually, will start generating an income all of its own through interest payments on deposits and bonds, dividend payments, and capital growth on stocks and shares.

Still, we’re getting ahead of ourselves.

The underlying message I offer you today, dear reader, is that:

You should establish for yourself a buying decision process that will allow you to control your expenditure.

Essentially, before you buy anything, you need to ask yourself a series of tough questions to gauge whether the purchase makes good sense.

And what are those questions?

The questions to ask before making any purchase:

There are, in fact, five questions you should ask yourself before making any purchase, as follows:

Do I need it? Honestly?
Will I use it? Honestly?
Can I afford it? Honestly?
If I didn’t have it, would it matter?
Does it represent value for money?

If you answer ‘No’ to the first four questions, the fifth question is irrelevant.

A negative on all or even most of the first four questions means don’t buy the item. Simple!

And even if you do think you need it, never buy anything if you do not have the money to pay for the item right now. Never, ever incur debt for a discretionary purchase.

It’s better to do without than to run up debt on a credit card to pay for discretionary purchases.

The compounding effect of high credit card interest rates can quickly turn a small debt into a large one.

The ‘value for money’ question is only relevant when you can answer every other question in the affirmative.

Nevertheless, you should never buy something that’s not also good value for money.

That is, you should never overpay for anything.

Overpaying means the price is inconsistent with the value on offer.

Let the answers to the questions guide you:

To ensure your buying decision process is sound, you must always ask these questions.

Let them be your purchasing guide, and you’ll be in a better position to start saving money and watch it grow.

Once it starts growing, you’ll be on your way to building your own personal wealth.

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Thank you.

Roy Sutton

Roy Sutton is a writer, content creator, digital entrepreneur, and international traveller. Formerly, a CEO, corporate business executive, management consultant, and electronic systems engineer with a background in telecommunications and IT. His blog aims to both inspire readers to achieve their best lives and entertain them with the humour we all crave.

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