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Odds are good that if you create a financial plan today, reduce your debt and begin saving regularly, you may be able to live more comfortably, with less worry and maybe even retire as a millionaire. Set some realistic goals about how you would like to live now and in the future. Begin learning about how to manage your money better, and develop a financial plan that will help you achieve your goals - even if you're living paycheck to paycheck.


Whats Stopping You Starting Your Own Business

More people than ever before are looking to start their own business. Having your own business is generally accepted as the only way of making yourself a fortune, unless you marry or inherit money. Unfortunately many people are held back by two factors: A) the employee mentality, and B) most people have not developed their ability to generate business ideas. Let us deal with each one in turn.

A) There are many reasons why an employee should want to start a business but three are worth thinking about. i) The difference between having your own business and having a job is the difference between buying a house and renting a house. If you rent a house you have all the satisfaction of living in a house, but at the end of the day you own nothing and can be evicted as quickly as you became a tenant. A job is just like a renting a house. However, your own business depends on you, because you are its owner, and at the end of the day it may leave you with considerable personal wealth.

ii) You are a unique person. The vast majority of employers do not recognise your uniqueness. It is said the universe is twenty billion years old and will last at least as long again. In all the time to come there will never be another person just like you. You are a unique creation. How does an employer treat a unique creation like you? They make you fit into a box where the walls are your job description.

Many people before you had to fit into the same box and many people after you will have to do the same. You were not created to spend your life following orders, doing repetitive tasks and being just like other people. Your own business offers you the opportunity to make unique achievements, to build a unique business, which mirrors your personality, and to stamp the world with your mark. iii) If you do not want to start a business to create personal wealth or to satisfy your ego then start a business to help other people. Every time a person offers others a new product or service, he or she increases their freedom of choice.

There is not a better way to help other people than by giving them more freedom. With the extra freedom, the jobs created and extra taxes paid, it could be argued that founding a successful business is the most socially useful thing anyone can do. Instead of choosing between i), ii) or iii) as a reason for starting a business, all three become interlocked and are a consequence of a successful business.

B) Most people unfamiliar with starting a business struggle to generate business ideas. Probably the best advice anyone can offer you if you are trying to decide what type of business to start, is to go with what you know and love. If your business is a chore and not your passion it will be little better than a job. But if you love what you do, ideas come easily and problems find solutions much more readily. What the successful business start-up does is effectively combine a personal passion with a 'want' shared by many.

If you are still hesitating just think on this: the only difference between you and a successful entrepreneur is that they took a risk and, above all, took action. Action is the key to success. Without action, your idea will never be anything more than an electrical impulse locked away in your brain.

For 200 business ideas visit http://www.morethanarticles.com/200businessideas.html Nick Summers runs More Than Articles, an article directory offering the best of the web's articles formatted the way you want them. Visit http://www.morethanarticles.com today for all your content requirements.

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