Habits of Self Made Millionaires By Bayo Ogunmupe Continuing from success secret eight of self made millionaires, developing the lifelong habit of saving and investing your savings isn't easy. It requires determination and willpower. You have to set it down as a goal to be followed meticulously. You must practice frugality in all things until it becomes your lifestyle. Defer every buying decision for at least a week if not a month. A major reason for retiring poor is impulse buying. When you buy things with little thought, you become victims of Parkinson's Law, which says "expenses rise to meet income." This means no matter how much you earn, you tend to spend so much more that you never get ahead and never get out of debt. If you cannot save 10 percent of your monthly income, start today by saving one percent in Jaiz Bank of Nigeria where they lend without interest and collateral. Live on the other 99 percent of your income. As you become comfortable living on 99 percent, raise your savings to 2 percent then 3 percent and so on. Within two years, you will be on your way to becoming a self made millionaire. Then, seize every opportunity to add more savings. Begin to study money and how to make it grow. Read books and journals by experts on the subject. never stop saving, learning and growing until you become financially independent. Becoming an expert on your subject by learning every detail of your business is the ninth habit of self made millionaires. When you become an expert in what you do,nothing can stop you from getting you paid more and promoted faster. The market pays excellent rewards for excellent performance. It pays average rewards for average performance. The Law of Integrative Complexity says the individual who can integrate and use the greatest amount of information in any field soon rises to the top of that field. Set a goal of becoming the very best in your career or profession. One small insight or idea can be the turning point in your career. Never stop looking for new insights in your profession. Identify new trends, acquire core competencies or key skills that you need to lead in your field in the future. You can get everything you want in life if you just help enough other people get what they want. Which is why dedicating yourself to serve others is the tenth habit of self made millionaires. Your reward in life is always in direct proportion to your service to other people. All self made millionaires have an obsession with customer service. They think about their customers all the time. Your success in life is always in direct proportion to the length of your extra mile; what you do after doing what you are expected to do. Always look for opportunities to do more than you are paid for. The company owners, your boss and coworkers as well as people who buy your products and services are your customers. One small improvement in the way you serve your customers can be a major reason for your financial success . Never stop looking for any little ways to serve your customers better. Today, customers value speed and accuracy than ever before. Whenever a customer asks for anything, answer him immediately. That's what he wants to hear.