The tips came from a multi-awarded Chinese-Filipino entrepreneur and journalist, who, according to him, if diligently practiced would ultimately  brings you financial independence. Here they are:

1.  Avoid unnecessary and excessive debt.

2. Always delay buying something , compare first.

3. Don't compare yourself to others.

4. Spend less than what you earn.

5. Save first before spending your income.

6. Don't just save, invest.

7. List down all your expenses.

8. Buy insurance for car, home, and your life.

9. Analyze and plan your taxes.

10.Have a wife or husband who won't overspend and over-borrow.