"The priority in your life should always be the people you love, never the money. Money can benefit the people you love, and it provides the greatest benefits if it is used efficiently."

Bruce Helmer

"Become a wants planner, instead of a needs planner. Only when you determine what you want from life can you determine the role money will play in helping you achieve your dreams."

Bruce Helmer

How Much Do You Spend? Are you guilty of a habit that dooms you to never having money? Try this: Write down everything you spend for a week or a month, no matter how small. At the end of the test period, categorize and add them up: food and drink, entertainment, utilities, gifts, etc. How many are "small" expenses on unnecessary items? See how these accumulate over time.