It's ok to have "More Money" as a target.

Money is neither good nor bad. What people use it for can be good or bad.

Programming by friends, family and society have made it acceptable to talk about money as if it's a bad thing.

Financial fat cats. The rich are greedy and love of money is the root of all evil is the mantra of people who don't have any money.

Money can make you happy. If you have financial targets, then striving to meet those targets doing something you love or enjoy will certainly make you happy.

The key is to know what those targets are.

What you really need to understand and agree on is the amount, the target, that you need to achieve to stabilise your life or make a difference to your life.

This target should not be an amount grabbed out of the air, but an actual set of figures that will make a dramatic difference to your life.

"You are the Roots of your financial success. If you work on the roots, the fruits will follow."

There are 6 of these Financial targets or "steps" and you should start by clearly identifying the first 4 and then do some dreaming about the last two. (You can work towards the last two once you have mastered the first 4.)

These financial steps represent the amounts that you wish to passively or actively earn on a monthly basis and should be expressed as an identical figure.

So the first 4 Financial levels to accurately identify are:

1. Stability
2. Security
3. Freedom
4. Opulence

1. Stability

This is a monthly figure that you need in order to keep a roof over your head, keep the heat and lights on and feed the family. This should be expressed as an exact amount. The aim of the figure is to ingrain into your subconscious, the targeted amount that you will achieve. This figure will form part of the morning and evening routine and the constant visualising and repeating of the amounts will cause it to start to materialise into your life.

For most people starting off, this is usually a relatively small amount.

As an example; If the average yearly salary in your country is $24,000 then the natural reaction is to show a stability amount that might represent 1/12th of that or $2,000 per month.

However, to make the figure really work, you must tie it in to your actual expenses. If you work this out accurately it adds so much power. (you can help yourself a lot if you use a free facility such as the MoneyDashboard website in the UK (https://www.moneydashboard.com)) to help you or do a search for a similar facility in your own country. You can also use many of the popular accounting software programs.

The beauty of many of these sites is that they have features that can link your bank account(s) making it so much easier for you to budget - but more importantly - to visualise your money as it is now and as it will be.

"Getting rich is not a goal. $5m in 5 years is."

The perfect way to express your stability amount is not as a rounded up number but like this - $1,943 per month. But that amount must be YOUR amount. Some of my students have Stability amounts raging from $1,223 to $16,881 per month

If you are not already reaching your Stability amount, then you must be either borrowing or selling assets and that needs to stop, now.

So in Your Notes in your phone or in your Journal you should write:

Stability $1,673 per month ( $20,076 a year)

A note on this if you are in debt. A lot of people that I speak to about this may say something like; "I know I'm in debt, but I can't bear to know how much debt I'm in."

They then almost curl up into a ball, put their fingers in their ears and say "La la la la la...."

Now there is good debt and bad debt. Cheap debt and expensive debt. You need to find out exactly how much debt you're in and whether it's good or bad, cheap or expensive. Only then can you go on to take the steps fix the problem.

The analogy is the same when it comes to your health. Before a doctor will treat you or give you medication, he or she will take your pulse, blood pressure and analyse your blood. They might even ramp things up a bit and do x-rays and scans. This is all to find a starting point before they can administer the cure.

Taking control of your money is a skill like any other. If you're in debt or not making as much money as you want right now, then it's not your fault. You were never taught this in school. If your parents were in debt or had a poor relationship with money, then chances are that you will too.

The information in this module, if acted upon, will get you out of debt and get your bank balance growing in the right direction.

You cannot really cut and save your way to financial freedom but you can stabilise losses and then, by acting upon the information in the other modules, you can create and add income to grow your bank balance.

• Before you proceed any further, please complete this simple action. Work out exactly what your stability amount is. You can use apps, accounting software or websites to help you but create that figure now.

2. Security

3. Freedom

4. Opulence

The final two financial targets to dream about are:

5. Make a Real Difference Money

6. Make a Massive Difference Money