Establish a plan to increase your riches. First, know your worth. Many people have no idea what they are worth. They look at their monetary savings or debt and measure themselves in this alone. But you need to take many more variables into consideration. For example, in addition to your monetary riches look at your location, education, talents, connections, prospects, morals, health, ambitions, drive,... Take time to list all your riches (assists). When you have listed all of your assets then you will know where to begin. Ask yourself what you can build upon and what you can change to improve on your riches. This is where thrift comes in. Thrift is the "economical management in regard to property". It is also "prosperity; success and advance in the acquisition of property." In other words it is gaining riches honestly and morally. But thrift does not stop there. It is vigorous growth, thriving. You will need to be determined to thrive. Thrift is not doing without. No, it is quite the opposite.
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