Want to make money? This must following money making list for you!!

Looking for money tips for the next decade? Here are a half dozen:

1 Pay off your credit cards already. Then cut them up. Obvious but true. That saves you 15% or more. A cert to beat the market.

2 Slash your taxes. They're only heading in one direction. Make the full use of your 401(k) and IRA allowances each year. If you have children, save in a 529 college-savings plan too.

3 Run the numbers on buying a home. Real estate has plunged, and fixed-rate mortgages look cheap below 5%. Do the math to see if owning now makes more sense than renting.

4 Weed out your high-fee mutual funds. Most funds charge a bundle: Few are worth it. Unless a fund is exceptional, you're better off in a low-cost index fund.

5 Check your inflation risk. Long-term bonds, including Treasurys, corporates and municipals, are all at risk if these deficits lead to higher inflation down the road, as many fear.

6 Looking for a wager? Try the iShares MSCI Japan Index exchange-traded fund (EWJ). At the start of the new decade, the Tokyo stock market may be the world's least fashionable investment.

-- B.A.