1.   As John Wesley once said, "Make all you can, save all you can, give all you can."

2.   Spend less than you earn.

3.   Check your credit report.

4.   Know your FICO score.

5.   Measure your wealth not by the things you have, but by the things for which you would not take money.

6.   Have a 3-6 month reserve fund.

7.   Don't invest in anything you don't understand - except possibly a spouse.

8.   Keep good records.  The No. 1 reason for small business failure is poor record-keeping.

9.   Always save with pretax dollars.

10.  Remember that disciplined savings will outpace any investment scheme.