Work on your mindset

Be aware of the external environment, but don't let it consume you. No one is suggesting that you bury your head in the sand. You need to know what's going on in the world so you can make smart decisions for your life -- or, if you're a business leader, for your company. But once...

As boring as it sounds, concentrating on your work increases your income and also gives you less time to buy things you don't need.

You may have difficulty adjusting if you're used to doing everything yourself, but the following can help.

• Assess your strengths and weaknesses, and be receptive to learning and teaching. If you're an expert in an area, you can teach others. In areas you are weaker, ...