Understand that prosperity is about lifestyle not money. See the picture.
Making a change starts in your head. Inform the ‘Rider’; engage the ‘Elephant’; make the Path easy. See here.
Know where you are; where you want to go and have a plan to get you from here to there.
Money Truisms: Less money out than in = happy. Good debt is preferable to bad debt.
Managing money is a skill like any other and nothing will change unless you do things differently. See Events tab above.
What do you think?