If you're not where you want to be financially, be honest with yourself about how you utilize your money because it's not how much money you make, it's how much you keep.

So regardless of whether you aren't earning the amount of money you would prefer on your job, you have to learn to make the best of what you have and then possibly work on generating additional income.

It starts with being real with yourself about your money. Do you already spend up your money mentally before you get paid and have no money left over to save for a rainy day fund? Do you waste money buying clothes or shoes or eating out often and then fall short when it's time to pay your bills? Do you usually have overdraft fees at your bank? Have you bought or leased a car and can't afford to make the payments on time? Should you be driving a car that costs you less at the gas pump? Can you really afford to go to the hair salon, barber shop or nail salon as often as you do? Do you live in a house or rent an apartment that you struggle to pay for and maintain?

Find out how you can turn your finances around for the better and read my testimony on my financial advice blog, http://mytensense.com/2012/09/be-honest-about-how-you-handle-your-money/.