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Investing money can tricky if you don't know where to begin. How many times have you thought, "If I only had the money that it takes to invest?" Or, what about, "I would invest my money wisely if only I had extra money to invest." Well, I can attest to having these thoughts about money and investing far too many times. I was working hard and living paycheck to paycheck. I worried about having enough money to pay my bills let alone money to invest in stocks, invest in money market accounts or invest in real estate. I was further sinking myself into an endless pit were money woes would continue to swallow me under. I needed help and I needed it quick. My prayers were answered when I was put in touch with an investment guru and strategic money manager who would show me the best ways to invest money. He would show me what I was doing wrong and how I could change my habits in order to have a little, if not a lot, of money to invest. He would also show me what are the best investment opportunities out there for me. From his knowledge, I now wish to share with you, what you can do to make sure that you don't end up in an endless cycle of money coming in and money going out. I wish to equip you with the beginning tools to use what you have now to get what you want in your future.

Many are afraid of the future and some are not afraid at all. If you are on either side of the spectrum it is time to change. Whether you have a goal to invest money in real estate, a business or the stock market, if you aren't doing so you need to invest money somewhere either yourself or with the help of an expert looking for him via some job search web site. I have learned that you can't be afraid of the future, but you can't live your life like the future will take care of itself. You have to plan; there is no getting around it. The key is in knowing how to plan.

First Step: Itemize Your Spending

One of the first things that my finance guru taught me is seeing is that seeing is believing. You have to know where your money is going in order to know how to utilize it better. After looking at my spending, I have to say the only wise thing I had been investing in was my college education. This leads me to say this, if you have any debt it should be from your investments into education. Learning more will allow you to attain more and nothing negative can come from that. So, side note, make sure you keep a steady fund going for educational growth for yourself and/or your children. Now, after looking at what my day-to-day spending looked like, I was able to cut back on the unnecessary "investments" I was making to places like Coffee Bean and Tea Leaf and McDonald's. I was making their big businesses richer, while my pockets were getting emptier. Other areas that I found to be unnecessary "investments" were high priced cell phone coverages and luxuries like cable television. My finance guru told me that instead of wanting to watch cable TV, I should want to try to invest money to purchase stock in cable TV. This way, I would be making money off of all those that could actually afford to watch it.

The next step going along with itemizing my spending was to allocate a certain amount of cash to pay to my investment fund.

Next Step: Knowing What to Invest Money In After you have figured out your expenses and got a handle on your cash in order to save for investing, you have to know what to invest in. If you don't have an expert to guide you, make use of the Internet. There are a lot of good Websites that will provide you with valuable information on making small investments, Web investments, investments in stocks or investments in real estate. One Website that I find valuable is www.entreprenuer.com. Also, log onto MSN or CNN and take a look at their financial pages. A lot of companies or other Websites will have advertisements that could be beneficial to where you are currently in the investing game. Whether you choose to invest money in a business or real estate, you have to remember what your limit is. Start small and increase over time. Remember, you don't want to bite off more than you can chew.

As for myself, I chose to invest money in a small franchise business so that I didn't have to do the legwork myself. I also let my guru pick out a few stocks that I could take a hand in. If you are employed, you can always take a hand at the stock market by investing in your company and increasing the amount or scale of your mutual funds. Also, don't be afraid to find out how to invest money online. If you need assistance try a site like www.gobignetwork.com. Finally: Set a Goal and Meet It

Once you decide to invest money in any area, it is important to set financial goal and meet it! That's why it is important to plan and know what you can and cannot do. You can always add onto your goals once previous set goals are met.