From the Introduction to The Savvy Guide to Making More Money


So what are you waiting for? Is there anything holding you back? Do you think you lack time, or experience, or you don't know the right people? Excuses have a 100% rate of success. 'I don't have any time', 'I'm not a natural salesperson', 'I'm not an entrepreneur', 'I'm no good with money', 'There's a recession', 'Unemployment is up'. Some of these barriers are real; some of them are only barriers of perception; but, either way, you can work through all of them.


Don't wait until . . . until the recession is over . . . until the children leave for college . . . until you enrol on that course. The perfect moment will never come. This little voice telling you to wait a little bit, to make sure there are no risks, to spend a long time looking before you leap - it's your comfort zone speaking. It will keep you in the place you're currently in, if you listen to it. Things will never begin easily, and there will be a learning curve at the start. It's not as if, once the stars align, you can suddenly have your rags-to-riches story and then cruise into the sunset. You'll have to take one step at a time. But you'll learn and discover much in the process that will enable you to move towards your financial utopia. I absolutely encourage you to share the things that you learn from this book with as many people as you possibly can. My dream for this book is that it reaches a multitude of people who truly want to better their lives financially and in other ways.


It's my duty not to conceal from you the fact that you'll meet frustration and disappointment along the way. Not everything you try will work the first time around. But those setbacks are stepping stones to your success. Don't just give up at the first hurdle. I have seen this many times in my own career: even when it seemed all hope was lost, things did work out in the end. You just need to actually begin, and to find help along the way. Your results might be a bit wobbly at first, but you have to start somewhere, just as you did when you first learned to talk, walk, read, do maths, ride a bike, swim.


Another problem is that the mystique surrounding business often causes people who are very enterprising to think that they're not doing anything particularly remarkable. My aunt used to collect flower-heads, store the seeds and grow her own flowers to sell the year after to complement the family budget. In her overwhelmingly busy life of taking care of her family, she had found the time to be ingenious and resourceful to add some cash here and there. And, still, when I tell her that I admire her business savvy, she says, 'Me? But I'm not a business person, not like you.' To which I have to say, 'How about all the many different ways you've found over the years to improve the household's bottom line?' 'Ah, but sure I was only bringing in a couple of pounds here and there. It's not like I had a logo. Ha, ha!' As if that mattered one blind bit, and that alone was a red badge of entrepreneurship.


Reading my aunt's story, you might be thinking, 'Well, I've done similar things in the past. There was the time when I . . . And that other time when I . . .' Exactly. That's what I mean. You're already thinking enterprisingly. You already have it in you to make more money. This book is here to make the process faster, smoother, easier. If you've made money before and thought it was down to luck, I'll show you that it wasn't: that it's a skill applied to a process, and that it's repeatable.


So let's get started.


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