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4. I Will Save At Least 10% of My Income

It’s not enough to just make ends meet with the salary you are earning. You need to be able to sock away a portion of you income for savings and investments—at least 10% of your take-home pay. In addition, you need to invest 15% of your income in a 401k or other retirement plans.

1. I Will Live Within My Means

Many people get into a bad habit of spending more than they earn or spending money on items they want rather than on those they need. In turn, they get trapped in more debt than they can handle.

Switching Tracks

When J.C. Gamboa, CEO of BITco USA Inc. (www.bitcousa.com), put in her bid for BLACK ENTERPRISE’s Website Makeover Contest, she wasn’t just looking to change the company’s online image. “The...

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