Check out the 5 financial tips for the first week of September 2013. Use them to bring positive changes in your life.

Tip no 1: Wailing actually reflects the weakness of your character. If you're not happy with something, then take steps to change it. Don't wait for others.

Sometimes, a lot of things happen in your life which you may not accept or like. For instance, you may have entered into financial problems without your fault. Don't fret just because you're in deep financial problems. The problem will not be resolved by wailing or whining. What you need to do is take steps to resolve the problem.

If a payday loan lender has deposited a loan into your checking account, then take steps to return the amount as soon as possible. Ask the bank to return the money. Submit a letter to the bank and revoke the ACH authorization. This would stall all the efforts of the payday loan lenders to debit money from your checking account.

Tip no 2: Financial winners are patient and disciplined people. They don't make rash decisions. If you want to join them, then take correct steps gradually.

You need to have patience to be a financial winner. If you're currently facing a problem, then the first thing you need to do is analyze the problem. You need to find out the reasons why you're facing the problem right now. Thereafter, you'll have to find out the possible solutions to the problem patiently. It will be wrong to make a rash financial decision right now. You can aggrandize the problem, which won't be good for your financial life.

If you're a youngster, then it is all the more important for you to be patient. Work hard and be patient. Remember the proverb: “Money that comes easily disappears quickly, but money that is gathered little by little will grow”. So, don't expect to become wealthy too soon. Rather save every little bit to be in a good financial standing one day.

Tip no 3: Ignorance doesn't imply that you've no brain. You just need to increase your knowledge. Lack of knowledge on financial matters can make you broke.

Being ignorant is not a sin. You may not be aware of all the happenings in the financial world. You may not know the tricks to solve debt problems or make investments. However, this doesn't mean that you should always stay ignorant. What you can do is, read the journals and magazines to increase your knowledge on financial matters. You can browse through different websites to know the ways to get out of debt. You can ask the experts and know about the tricks to invest in gold, silver, stock or foreign exchange market.

Lack of knowledge can prove to be fatal. You can just make the wrong decisions because of your ignorance and end up getting broke.

Tip no 4: Don't accuse others just because you're broke. You're at this position due to your own mistakes. Look back at your past and find out where you went wrong.

It's wrong to accuse everyone just because you're broke. You're broke because of your own fault. Bad decisions in your past life have made you broke. If someone had forced you to make a bad financial decision in the past, then don't blame or accuse that person. You chose to make the decision. So, you need to accept it with grace.

Try to find out your mistakes instead of blaming others. Sometimes, situations are totally out of your control. It is better to accept the situation and try to improve it by taking some constructive steps. Nothing is impossible in life and if you're determined to change your financial state, then work hard to increase your income.

Tip no 5: Create an estate plan for your baby. Don't let the court determine what's best for your baby.

Formulate an estate plan for your baby soon after a regular routine has been established. A estate plan is very important since it helps you plan for the baby's future. The plan will come handy if something unfortunate happens to you or your spouse. The plan will help to designate the person who will take care of your child when none of you are unable to take care of your child.

If you don't bother to make a will or an estate plan for your kid, then the court will determine what's best for your child.