Richard Templar is the author of the international bestselling Rules books. Over 2 million people around the world have enjoyed and now play by Richard Templars Rules. His series distils practical, common-sense guidance into clear entries that readers can apply to everyday decisions.

Thinking wealthy

1 Anybody can be wealthy you just need to apply yourself

2 Decide on your definition of wealth

3 Set your objectives

4 Keep it under your hat

5 Most people are too lazy to be wealthy

6 Get a reality check

7 Understand your money beliefs and where they come from

8 Understand that wealth is a consequence, not a reward

9 Decide what you want money for

10 Understand that money begets money

11 Calculate the net return

12 If you see money as the solution youll find it becomes the problem

13 You can make lots of money, you can enjoy your job, and you can sleep nights

14 Dont make money by being bad

15 Money and happiness understand their relationship

16 Know the difference between price and value

17 Know how the wealthy think

18 Dont envy what others have

19 Its harder to manage yourself than it is to manage your money

Getting wealthy

20 Youve got to know where you are before you start

21 Youve got to have a plan

22 Get your finances under control

23 Insurance pays someone, and odds are its not you

24 Only by looking wealthy can you become wealthy

25 Speculate to accumulate (no, this isnt gambling)

26 Decide your attitude to risk

27 Think through the alternatives to taking a risk

28 If you dont trust someone, dont do business with them

29 Its never too late to start getting wealthy

30 Start saving young (or teach your kids this one if its too late for you)

31 Understand that your financial needs change at different stages of your life

32 You have to work hard to get rich enough not to have to work hard

33 Learn the art of deal making

34 Learn the art of negotiating

35 Small economies wont make you wealthy but they will make you miserable

36 Real wealth comes from deals not fees

37 Understand that working for others wont necessarily make you rich but it might

38 Dont waste time procrastinating make money decisions quickly

39 Work as if you didnt need the money

40 Spend less than you earn

41 Dont borrow money unless you really, really have to

42 Consider consolidating debts

43 Cultivate a skill and itll repay you over and over again

44 Pay off your loans and debts as a priority

45 Dont be too busy earning a living to make some money

46 Save in big chunks or should you?

47 Dont rent, buy

48 Understand what investing really means

49 Build a bit of capital then invest it wisely

50 Understand that property, in the long run, will not outpace shares

51 Master the art of selling

52 See yourself as others do

53 Dont believe you can always win

54 Dont pick stocks yourself if you dont know what youre doing

55 Understand how the stock market really works

56 Only buy shares (or anything) you can understand

57 Use your head

58 By all means, use the investment professionals (but dont be used by them)

59 If you are going to get financial advice, pay for it

60 Know your way round the Internet

61 Dont fiddle

62 Think long term

63 Have a set time of day to work on your wealth strategy

64 Pay attention to detail

65 Create new income streams

66 Learn to play What if?

67 Control spending impulses

68 Dont answer ads that promise get-rich-quick schemes it wont be you who gets rich quick

69 There are no secrets

70 Dont just read this do something

Getting even wealthier

71 Carry out a finance health check regularly

72 Get some money mentors

73 Play your hunches

74 Dont sit back

75 Get someone to do the stuff you cant

76 Know yourself solo, duo or team player

77 Look for the hidden asset/opportunity

78 Dont try to get rich too quickly

79 Always ask whats in it for them

80 Make your money work for you

81 Know when to let go of investments

82 Know your own style

83 Know why you should be able to read a balance sheet and how

84 Be one step ahead of your tax collector

85 Learn how to make your assets work for you

86 Dont ever believe youre only worth what you are being paid

87 Dont follow the same route as everyone else

Staying wealthy

88 Shop for quality

89 Check the small print

90 Dont spend it before youve got it

91 Put something aside for your old age no, more than that!

92 Put something aside for emergencies/rainy days the contingency fund

93 You paid what for it? How to shop around

94 Never borrow money from friends or family (but you can allow them to invest)

95 Dont surrender equity

96 Know when to stop

Sharing your wealth

97 Use your wealth wisely

98 Never lend money to friends or family unless you are prepared to write it off

99 Dont lend, take equities

100 You really, really cant take it with you

101 Know when/how to say no and yes

102 Find ways to give people money without them feeling they are in your debt

103 Dont over-protect your children from the valuable experience of poverty

104 Know how to choose charities/good causes

105 Spend your own money because no one will spend it as wisely as you

106 Take responsibility before you take advice

107 Once youve got it, dont flaunt it

108 Whats next? Pacts with the devil?

The Rules of other peoples wealth

1 Dont judge

2 Dont envy it

3 Other peoples money belongs to them

4 They can give it all away if they like

5a Once theyve gone, you cant ask questions

5b Once theyve gone, you cant ask questions

6 Blood comes before money

7 Your children owe you nothing

8 Dont make money taboo

9 If they give it to you, its yours

Hadenough yet. .. ?