The answer is – Yes!

This is my story about how I started with absolute zero money and built my wealth up to £10 million and income to £360k a year in just 4 years.

Table of Contents

• The Lightbulb Moment
• The Plan
• Step 1 – Business
• Step 2 – Digital Investing, Monthly Dividend Income Shares
• Step 3 – Build a Property Portfolio
• Step 4 – Hedge with Commodities
• Step 5 – Write Books About Experiences, Skills and Knowledge
• Full Circle
• Zero to Millionaire Membership

The Lightbulb Moment

For as long as I can remember, studying the wealthy and how they made money was my hobby.

As a kid, my mother had asked me what type of lifestyle I wanted in the future. Describing my future dreams her reaction was “You better marry a millionaire” My response was, “Why can’t I be one?”

That was the catalyst to becoming a millionaire.

However, it didn’t matter how much I studied the wealthy, things just never worked for me until one day I had a lightbulb moment.

There was one thing I had not done – create a plan.

The Plan

As a business owner, planning was part of my business culture. Plans were created and regularly reviewed. I knew all about planning.

But I had never thought about a personal plan for wealth. That was a challenge and took time to reflect on.

Eventually, the plan was created.

Step 1 – Create businesses to generate cash for investing

Step 2 – Invest into Monthly Dividend Income Shares for income and growth

Step 3 – Build a property portfolio

Step 4 – Hedge investments by investing in commodities

Step 5 – write books about experience, skills and knowledge for each part of the journey.

The result was going from Zero to Multi-Millionaire within 4 years.

Step 1 – Business

Businesses are easy to start and create a cashflow that can be used for investing.

When working with clients, I challenge them on the 1st month to take a look around their homes at something they haven’t used for 6 months and think unlikely they will use again in the coming 6 months. Then sell it. Use platforms such as eBay, Etsy, Shopify etc.

The results have been quite amazing. Earnings range from £211 – £5500 in one month.

Clients now have a business opportunity / side hustle they can continue growing.

One client now earns circa £40,000 a year from eBay. Found a niche they liked and developed it into a business model that generates an income that allowed them to give up their full-time job.

As for me, I had just arrived in the UK and didn’t have any unused item to sell. I joined Kleeneze and Avon.

Every night I would walk down one street delivering catalogues and walk back on the street I had delivered to the previous night.

Profit from the catalogue business went into share investing.

Later this developed into online businesses – affiliate marketing; information products, books and courses.

Step 2 – Digital Investing, Monthly Dividend Income Shares

The first target for the catalogue business was to generate a monthly profit in excess of £100 to invest into shares.

I opened an online brokerage account and started investing in Monthly Dividend Income Shares. Reinvesting the dividends each month back into the shares.

This compounding effect provided a higher return than traditional investing with income growing every month.

As the dividends grew, I expanded into penny share investing for growth income.

As the country was coming out of recession, many shares were undervalued. Identifying penny shares, I started accumulating as many as possible.

As the shares went up in value and doubled in price, half the shares were sold with the income going into monthly income dividend shares.

The remaining shares were left to again double in price, when another 50% of holdings were sold.

This process was continued until all the penny shares were sold.

I still use this strategy today only now cryptocurrency is also included.

Cryptocurrency has monthly earnings and low value tokens equivalent to the monthly dividend shares and penny shares.

Step 3 – Build a Property Portfolio

I returned to the UK when my mum died. I lost 6 members of my family over the next 8 months. During this time my husband and I were living with my step-father.

He was in his 70s and didn’t want to be on his own. So, we looked at a property opposite his providing him with the companionship he still needed.

The property was on the market for £54,999. We had a mortgage approved for 95% as a first-time buyer in UK. We made an offer on the property for the asking price but asked for a gifted deposit. The offer was declined.

A month later the price was dropped to £49,999 and again we made an offer with a gifted deposit it was declined.

Two months later, the price dropped again to £44,999 and again our offer was declined.

After several months the price dropped to £39,999 with a gifted deposit and we bought the property.

Refurbished the property, got it revalued to £65,000 and applied for an 85% mortgage.

With the surplus cash in hand after the old mortgage had been repaid, we headed to Auction. Bought a property for £7200. Refurbished it. It was revalued at £35,000. Applied for an 85% mortgage using the cash from the mortgage to buy more properties.

This process was continued until we owned 60 properties in under 4 years.

With property prices rising and each property worth well over £100,000 we had £6 million in property assets.

Step 4 – Hedge with Commodities

Gold and Silver were the commodities we chose to buy. Coins and Bars could easily be purchased online.

We set a rule, that 10% of mortgage cash we were generating would be used to buy Gold and Silver bars and coins.

Some were placed in vault storage, while some coins were kept in a home safe for easy access and liquidity.

Gold has been on a long bull run since President Nixon took the dollar off the gold standard. In the 1970s gold was $32 a troy ounce. When we started buying it was $400 and today it is $2696.

While not an exciting investment, it has been a long and steady growth for many years.

Step 5 – Write Books About Experiences, Skills and Knowledge

The decision to write about my journey to building wealth has resulted today in 30 books. Three number 1 international best-selling books.

Once the books drop off their peak sales, I create information products and courses.

There is demand for “how to” books, courses and videos (YouTube & TikTok). This has created another business generating income.

The books are self-published through Amazon and the courses and information products are available through Karen Newton International. Videos are available on YouTube Channels and TikTok.

Full Circle

The plan I created, helped to build my wealth, and is a continuous cycle of business creation; income generation and investing.

I went from Zero to £10 million in under 4 years. Today, this simple plan has helped me to increase wealth even more with the aim to become a billionaire by 2030.

The plan was the missing step in building wealth. It helped me to focus on my plan, not go astray trying this that or the other. It is a plan that still works for me today. I keep building businesses; adding property to my portfolio; buying shares and cryptocurrency; hedging with gold and silver and writing about my experiences, skills and knowledge.

Zero to Millionaire Membership

The Zero to Millionaire Membership is a step-by-step process for how to build wealth using my wealth plan.

It provides instruction to put into place a foundation on which to build wealth, income and lifestyle.

Join us live on the 1st Monday monthly and start your journey from Zero to Millionaire.

Karen Newton

Karen Newton is a Business and Wealth Strategist, 3x International Bestselling Author, and founder of Karen Newton International. She combines practical experience with AI-Powered Entrepreneurship to help smart entrepreneurs build online income, invest strategically, and create long-term wealth through business growth, investments and joint ventures.

karennewton.co.uk

Table of Contents

• How The Government Improve Its Finances?
•  Impact on Personal Finances
  • Reducing Spending
  • Increase Income
• Wealth for Everyone
• How to Keep Warm this Winter

How The Government Improve Its Finances?

The government has 4 options available and all will hit your pocket.

• Raise Taxes – putting even greater strain on household finances and businesses

• Cut Public Spending – putting vulnerable people at greater risk

• Print Money – risks higher inflation and destabilizes the economy

• Grow the Economy – encouraging trade; business growth and job creation.

While most governments tinker with points 1-3 the only realistic way to improve the national debt and improve living conditions for its citizens is to grow the economy.

 Impact on Personal Finances

Everyone will know that their income doesn’t go as far as it used to go. Mortgages and rents have increased; heating and energy costs have gone up; food bills cost more and there simply isn’t enough money to go around.

The only options available are to reduce spending and increase income.

Reducing Spending

The first advice from the “so called experts” is always to reduce spending. Sounds good but in reality is the worst advice on offer. Simply because you have no control over core expenses. People think they are doing their best to cut back but expenses keep going up.

For instance, heating and energy cost. Turning the thermometer down a notch does help. Putting on an extra jump so heating is kept lower helps. However, the reality is the cost continues to rise. Core charges as well has unit charges increase. Items the consumer has no control over.

I remember when living in New Zealand there was a hydro water shortage and households had a restriction placed on energy use. One hour in the morning and one hour in the evening.

Our home was 100% electric. We had a central heating system which kept the house at a constant temperature throughout the day. When the energy restrictions came in our electric bill soared. That was because with the electric on for just 2 hours per day, the heating was running at full capacity to try and warm the house compared to having the heating on 24/7 it only heated when the temperature dropped and was more cost effective.

This example is to show, that trying to control your energy costs are extremely difficult and often not feasible.

Increase Income

The only option available to most people is to increase income. This is actually easier than most people think.

One of the recommendations I give my clients is to look around their homes at items they haven’t used for 6 months and are unlikely to use them in the near future and sell them online through platforms such as Facebook Market Place, eBay and Etsy. The results have seen clients generate between £211 – £5500 in one month.

Another way to make money is to teach someone about your hobby or interests. Knitting; woodworking; painting etc.

I write and so one of the ways I make money is through selling ready made products. I write about things that I do and create books; videos and content that can be repurposed and resold.

https://courses.karennewtoninternational.com/plrpowerhouse

Eveyone has a skill that can be taught to someone else for a profit. 

Wealth for Everyone

Everyone can learn to make additional money to make life more comfortable.

My first attempt at making money was through a catalogue business where I delivered catalogues on one night and collected the orders the next night. This was very successful until I moved and the couriers couldn’t find me to deliver customers products.

I moved into writing books through self-publishing. When the books had run their self-life, I created packages that included books and videos before moving into coaching.

Today, the market is easier as everything can be done online from the comfort of your own home.

Wealth is attainable for everyone.

How to Keep Warm this Winter

No one needs to struggle anymore. The world is at their fingertips and it is easier than ever to make money online

As governments squeeze incomes and withdraw benefits, the best question to ask yourself is not how to cut back but rather how to make more money.

Karen Newton

Karen Newton is a Business and Wealth Strategist, 3x International Bestselling Author, and founder of Karen Newton International. She combines practical experience with AI-Powered Entrepreneurship to help smart entrepreneurs build online income, invest strategically, and create long-term wealth through business growth, investments and joint ventures.

karennewton.co.uk

Savings were with a bank you had been with for life.  You knew the bank manager, personally.  When you wanted to buy a house it was done on a handshake.

The internet and globalization have changed the world forever.  So has the way of making money and planning for the future which is why to survive and thrive in the global economy you need to have Multiple Income Streams.

What are Multiple Income Streams?

Image your only income stream is your wage.  You go to work every day and every month you receive your salary.

What would happen if the company you work for suddenly stopped trading?

The job security you thought you had would stop.  There would be no monthly salary but the bills wouldn’t stop coming in.

Multiple Income Streams is a wealth creation strategy ensuring there is income going into the bank every day, week or month.

Multiple Income Streams are regular payments from each of several different income sources.

The income sources can be grown and reinvested when times are good.  They can be tapped into when things get tough.

You never need to struggle for money ever again.

Start Small and Grow

There is a misconception about Multiple Income Streams.  It’s a concept that is misused on a frequent basis. 

You may hear someone say about diversification in something such as shares.  They talk about multiple income streams from the finance sector, the retail sector and the leisure sector.  In fact, there is only one income stream and that is from shares.

When looking at Multiple Income Streams there are 8 different income streams. The aim is to start small and grow each income stream while the economy is good or favors that sector.

When times are bad, the strategy is to draw down a percentage of the income each month.  This allows the pot to continue growing while also providing income.

For example, if there is $1000 in dividends being reinvested each month back into shares.  A simple strategy would be to draw down $250 and reinvest $750 back into shares.  Each month the value of dividends would grow.  So the drawdown amount increases monthly and the reinvestment amount increases each month.  

It becomes a perpetual cycle of growth and increased monthly income.

The 8 Income Streams

As I mentioned previously, there are 8 different types of income streams.  

The aim is to have something in each category.  Start small and let it grow.  The Income Steams are

1. Earned Income

2. Profit Income

3. Dividend Income

4. Passive Income

5. Interest Income

6. Rental Income

7. Capital Gains Income

8. Royalty Income

The wealthiest people in the world have at least 7 types of income streams.  How many do you have?

Why Multiple Income Streams are the Pathway to Riches

The Multiple Income Streams Strategy ensures that whatever is happening in the marketplace, there is always one, two or more income streams that thrive.  They produce the income that is needed in difficult times.  They also provide investment income.

The Income Streams that are down in value, due to the economic situation, offer great investment opportunities to grow both wealth and income in the future.

As the markets keep changing the income and assets ratios change to match the economy.

As an example, as I write this article, most countries are struggling with inflation.  They are pushing up interest rates.  Investors know how to tap into interest income that is increasing.  This is providing more income each month to help with bills but also to buy assets that are undervalued.

Using a Multiple Income Stream Strategy creates Financial Freedom  It takes the stress away from day-to-day living and provides an environment for building wealth.

It is the Pathway to Riches.

admin

karennewton.siterubix.com