Want to ensure you are broke and can't escape the economic trap? Study this list of the top 7 actions that will guarantee you have NO MONEY.

1. Spend every dollar you make buying stuff whether you need it or not.

2. Spend all the money in your bank account and on your credit cards too. Borrow the money to cover any emergencies that come up.

3. Bring in just enough money to pay the bills and go shopping in your spare time. Don't worry for a second that the cost of living goes up every year.

4. Impulse shop for things you don't need and use the credit cards to pay for survival items like gas and groceries. Max out those credit cards.

5. When you pay your credit card bill, make the minimum payment, and don't stress out over the additional charges because you paid late or went over your card limit.

6. Don't put anything in a savings plan, and if you have a few bucks in one now, be sure and spend it shopping at your favorite store.

7. Rely on Social Security and the Government to take care of you in your old age.

These top 7 actions will ensure that you end up dead broke and living in poverty. If you don't care that you'll constantly be worried about money and plagued with money problems, then you'll be able to spend those sleepless nights spending more money on credit cards by shopping on-line for entertainment. Heaven forbid that you should have to take responsibility for your own financial future instead of counting on someone else to support you financially. Isn't that what friends, family and the Social Security system are for?

Now that I've given you all this advice about how to live broke and die penniless, it's only fair that I tell you that there is a system of money management that you can use to control your income and debts to get on the road to financial freedom. If ever you change your mind and make the decision you would rather take responsibility for improving your own financial condition, you can learn about that in my other articles.

Sandra Simmons, President of Money Management Solutions, has years of experience helping professionals and families manage their income to achieve financial freedom. To learn more about the Money Management Software she created, visit her website and watch the FREE 5-minute demo video at www.MoneyMgmtSolutions.com