Have you ever fantasised about winning a lottery?

About never having to worry about your finances, or about how full your appointment book is again. About living the good life and doing as you pleased.

Of course, you’re smart so you know the odds are not in your favour (even if you’ve bought a ticket). In fact, statistician Peter Adams says the chances of winning division one with a single entry is as little as one in 45 million.

One in 45 million is not a great bet. OK, so the cost of entry is reasonably low, but the chances of ever winning the jackpot …. almost non-existent.

Even if you buy a ticket every week of your life you’re not likely to win. It’s not a guaranteed method of creating wealth.

But you don’t have to win the lottery to be wealthy. You might not believe me, but it’s true.

It depends on your definition of wealth. But if you want to be debt-free and not have to worry about money, that’s a reasonable definition of wealth.

And it’s achievable.

It’s even reasonably simple. You just need to make a good income and adopt some good habits.

Here are some of the money habits that can get you there.

7 Money Habits for Creating Wealth

These 7 habits are taken from John Burley’s book, MoneySecrets of the Rich.

Money is a Tool

People get very caught up in thinking about money and generating great and greater income. But we have to remember what Ayn Rand said:

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”

So remember to be the driver, and stay focused on money as a tool. Make it work for you.

Get a debt elimination plan in place and start avoiding debt. Put an automatic investment plan in place to build future wealth.

You can create your own wealth. You can create the lifestyle that you crave. You just need to practice a few simple habits.

I know you can do that – and there’s no time like the present. So start now.