12 Wealth Killers and How to Avoid Them

Many people desire to be wealthy, but few people attain such a goal in life. Many people are job-seekers, who are supposed to be employers of labor, but they are being faced with avoidable problems which have allowed them to be stagnant in many areas of their lives.

Naturally, everybody has been endowed with the hidden secret of wealth and, if this hidden secret is being discovered, then the rest will be history. This hidden secret is called potential or talent as the case may be. It is when this invaluable asset is revealed in us, that, many people will achieve their goals as far as wealth creation is concerned.

However, everybody is eager to be wealthy, but few people can undergo the series of wealth transformation, that is, from zero to hero level. As beautiful as the dreams of wealth-seekers are, however there are 12 wealth killers which often stand as a stumbling block to achieving their desired wealth.These 12 wealth killers are factors which affect the level of wealth of individuals or groups of individuals at a particular point in time.

These wealth killers are fully explained below:

Lack of Motivation:

A lot of people have great potentials or talents but few people often identify them and transform such potentials to wealth. This is due to lack of motivational factors, either from insightful people or most academic schools. Motivation stirs up great talents in people. Factually, everybody has “inside money” and which needs to be transformed.


The knowledge and understanding of parents to assess wealth information and guide their kids at an early stage in life, will go a longer way in empowering them about wealth growth and their ability to be sound as far as wealth creation is concerned. Most families around the world have formed the habits of passing down wealth from one generation to another. Basically, it is either parents create the platform for their kids to be wealth-conscious at early stage in their lives or they pass down nothing to them when they reach adult stage.


This is one of the wicked forms of wealth killers. This is because, time is an invaluable asset and it cannot be reversed in most cases. Great and wealthy people are hyper-sensitive about time. They will always avoid things or people that might prevent them from executing their plans at every point in time. Time-wasters kill the wealth of many aspiring people, even after they must have identified their real potentials. A lot of people are working for money because; they have allowed time-wasters to eat up a part of their allotted time.

Lack of Saving:

People without savings are always in need of one thing or the other. People with lack of savings are being identified by asking for things they ought to have provided without stress. Lack of saving as a wealth killer has prevented many people from getting wealth.

Lack of Prudence:

There are many people that do not know the basic laws of wealth. Many people desired to be rich, but only few people are really prudent as far as their sources of incomes are concerned. In most cases, great of number people really spend on wants rather than on needs. Thus, this habit disallows them from getting their needed wealth.

Lack of Discipline:

At every time, everyone has the potential of becoming wealthy transformed. If people are correctly motivated, a life without discipline cannot really build up wealth and sustain it for as long as time permits. Even, if all money in the whole world is given to a person without discipline, such money will be wasted.

Financial Illiteracy:

This wealth killer prevents the majority of people from becoming wealthy. It limits many of the people from aspiring to be wealthy. A lot of financial illiterates abound and they lack the knowledge of analyzing and interpreting financial statements. In most cases, they invest wrongly and watch their money slipping away from them. Unfortunately, 80% of the world population falls under this category.

Lack of Book-keeping:

The absence of book-keeping and records have prevented many people from becoming wealthy. Both small business owners and small-medium business owners have lost their businesses because of this wealth killer. The knowledge of money coming into the business(cash in-flow) and money going out of the business(cash out-flow) is very vital to individuals running home-based businesses and small-medium businesses which involves group of individuals.

Wrong Business Information:

This is one of the strong wealth killers in the world of business. A lot of people are working with wrong information, in terms of financial updates, correct financial statements and business transparency. All these factors reduce the wealth of both individuals and group of individuals. Many wealthy people work with accurate information pertaining to an aspect of their business entity.

Lack of Technology:

Application of technologies in many areas of our lives has yielded great benefits. Computers have been widely used along with other innovations such as internet.

In the world of today, it is either you have knowledge of computer applications or usage of internet or you create your own wealth by ready-made technologies. Internet marketing is now taking the place of Direct Marketing or traditional marketing at a point in time.

Lack of Investment:

This wealth killer is so powerful that, it might not release its prey from its claws. Wealthy people all over the world are great investors. You can show me a wealthy man without any investment portfolios, then l will tell you; he is a glorified poor fellow. Investment in its purest form brings investor to a floodgate of wealth. Thus, lack of investment often kills the wealth of majority of people.

Wrong Mindsets:

Many people desire wealth, but they have developed wrong mindsets about wealth creation. Most of these people belong to a kind of group that strongly condemns wealth due to their doctrines. From this singular act alone, a lot of these people cannot become wealthy. Wrong mindset as a wealth killer, has affected many business people.

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Bad Credit Loans With No Guarantor – A Fine Option Nevertheless

When you fail to meet the financial objectives, it then compels you to look for a loan option. There are plenty of loan alternatives available, which are crafted to fulfill different aspirations of people from diverse backgrounds. Naturally there are some specific criteria that are laid down, when it comes to getting the loans. One such condition is to have a good credit score. This in turn increases the chances of derive the funds with utmost ease. At the same time, people with bad credit history will have a difficult time in borrowing the money, as the lenders will never accept their application. This puts them in a desperate situation. However, with the changing scenario, it is possible for these borrowers to acquire the much desired financial relief. With viable alternatives in the form of loans for bad credit, they will indeed get a chance to recover their lost credibility. Besides, the loans are approved without any guarantor, which to an extent help them source the funds with relative ease.

Beneficial Loans with Easy Approval

Under the current setup, resolving financial issues with an abysmal credit score is always a problem. So when you do seek the option of bad credit loans, it does help to bring about a huge transformation in to your situation. One of the most unique features of the loans is its easy approval. Discounting your past credit history, the lenders will make sure to release the funds in quick time. This also can be attributed to the online application process. Online application being devoid of any paperwork results in instant processing. All that you have to do is to fill the necessary details in the application form, based on the lenders’ website. Having endorsed your loan application, the Lenders will make sure to disburse the cash inside the same day. The amount released is deposited in to your bank account.

Helps to Enhance the Credit Score

With the option of bad credit loans, you end up securing the funds that in turn will help to satiate the various needs and demands. What you don’t really know is that you can utilise the loans to enhance the credit score. As the approved sum is relatively small, you will find it easy to pay off the borrowed amount within the clearly defined time period. In case, you fail to meet the deadline and continue to delay in making the repayments, then the situation may dramatically get bad. Apart from losing the financial credibility, the lenders will not offer any leniency. This is precisely why it becomes necessary to abide by the agreed terms and conditions. At the moment, you must give more importance to improve the credit score. At least, this way you will get a chance to recover from the financial redundancy.

Loans for Bad Credit with No Guarantor

Going by your credit history, it is clearly evident that no one in particular from your friends and family would prefer to act as a guarantor. In these circumstances, when you are struggling financially, the best you can do is to attain the option of no guarantor loans. These loans perfectly complement your existing scenario, as you stand to obtain the monetary help, without having to provide any human guarantor. In a way, you are now capable of making gradual recovery, without having to face any restriction as such. Of course you have to be mindful of the high interest rates. This was expected from the lenders as they are making it a point to offer you the funds, despite the poor credit score with no assurance in the form of guarantor. Naturally to secure the loans in this fashion, you have to make certain compromises.

It is not just about the high rates of interest that you have to consider. In fact for your own good, you must spend some time to check out the repayment schedule as well. There are plenty of lenders that you will come across. Some of them are genuine, while other may want to exploit your helplessness. This is why you must make it a point to source the bad credit loans with no guarantor from the legitimate lenders.

Given the dire circumstances, the loans for bad credit with no guarantor does ensure easy cash approval, which then helps you to get back on track.

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