By Peter Kamuri
Everyoneâs dream is to create wealth.
For the poor, their goal is to climb that financial ladder, as fast as possible.
The wealthy oneâs are not an exception; they also dream to create more and more riches.
Unfortunately, there are no shortcuts to this dream.
The few shortcuts that might be there are laden with risks and uncertainties such that they are not worthy pursuing.
It is all about prudently managing the money that comes your way to help you meet your financial obligations and have the surplus as savings.
Personal finance experts say that financial responsibility starts with oneâs ability to live within his or her means.
This is all about making more than you spend.
"Living within your means allows you to save. This is the first step towards creating and accumulating wealth.
Ability to save is an indicator that you are financially responsible and people who take this seriously are surely on the right track towards financial independence," says Henry Gambo, a financial expert.