We are familiar with excuses. We hear them all the time and, sometimes, we also make some. I am being honest. Yes, sometimes, I make excuses. "I cannot save money because I don't make much." Heard this before? We have to earn money and save money. Basically, that is the way most of us start building up our wealth. For those lucky enough not to have to do that, skip to the next step which is to invest. Of course, there are those who are extremely lucky who don't need to invest but if you are reading my blog, I don't think you belong to this group of people.

A penny saved is a penny earned!

Anyway, this blog post is off the cuff and if you have friends or family members who are not saving money, justifying their inaction by saying they make too little, send them the link to this ......