If it is financials; if you do not understand finances, maybe a course in basic financial management and investment will help you. You may be good with your hands and feel that a course at night school, or some other institution, will help get you started. It doesn't matter if you make a few mistakes along the way because most people learn as they go. Don't write yourself off because most people can achieve what they set out to do - if they put their mind to it.

If you have to get into debt make sure it is for things you need, rather than things you want. Even though you can use debt sensibly it is best to stay out of debt, unless there is an opportunity, which will result in growth of wealth. This debt needs to be controlled, e.g. if you need to borrow money for an asset that will definitely increase in value, as well as provide an income. This is termed a 'good debt' and should not be discounted - provided you do your homework before taking the debt on.

It's simple - they need to sit down and figure out a plan to budget the amount they spend each week and then stick to it. Is that all it takes, then - a plan? According to the self-help books (of which there are shelves upon shelves in any bookstore), the first step to better personal finances is to know where your money is going and keep it under budget.

Make sure that you have some cash away in a savings account for your immediate and emergency needs. The rest of your net worth can be put into assets and investments that grow. Always keep close to your cash flow to ensure your spending does not get out of hand, and that your spending is according to your cash budget. One of the biggest enemies of creating wealth is spending. Study the many tips available for saving money and keep good records of your cash payments so you can see where your money is going at all times. Wealth creation comes about because your cash going out is a lot less than your cash coming in - so maintaining a watch on your cash flow is critical.

Dollar cost averaging is simply a process of continuously investing a fixed dollar amount into a fund specifically for the purchase of shares. The term 'dollar cost averaging' seems technical and complex, but basically that is what it is. Through a dollar cost averaging strategy you will actually end up buying more shares when they are down, and fewer when they are up. It becomes a compulsory savings technique and means that those extra dollars are actually working for you, rather than being frittered away.

Education is a key factor in obtaining the best job opportunities and earning more money, as well as developing the necessary skills and knowledge to create wealth. The end of the line is providing for future retirement and this could mean putting a retirement plan in place that will enable your wealth to generate income to support you and allow you to retire in comfort.