Living beyond your means leads to dependency instead of independence, and dependency leads to degradation.

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Just ahead, our money coach Alvin Hall talks about the distance between living well and living beyond your means.

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Also, be wary of creating the allusion of power and success by surrounding yourself with material items beyond your means.

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"Not living beyond your means is fundamentally progressive and fair, " he said.

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But if yacht hire is beyond your means then the public ferry to Staten Island also provides great views of Manhattan from the water.

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Using a secured credit card is the least risky means of credit improvement because it requires the placement of a security deposit that protects an issuer against default, negates the need for an expensive fee structure and ensures that you will not spend beyond your means.

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And that means, wherever you can, hire that talent that you think is beyond your expectations.

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This means you can scribble away on the Sync, and have your scrawls appear at presentations and beyond.

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