Read enough financial self-improvement books and articles, and pretty soon you'll find yourself stringing together the many similarities which run thoughout all of them. Watch enough news and documentaries, and read enough blogs, and you'll see that what ought to be common sense for most people simply isn't all that common.

Do all those books and other info sources say the same thing? Well, yes, for the most part.

What follows is my conglomeration of the most important tenets and guidelines I've come across in my reading — and in my experience. (Each day gives me a little more of it!) Certainly more will be added over time, because building one's financial strength is a neverending process.

Of all the ideas here, this one is the most important. And it shouldn't require much explanation. Consider this:

How much good could you accomplish if you just stopped doing something bad?

Nor is optimism a business plan. Oh sure — hope carries value. Hope is vital. Hope is your gasoline. Your financial-improvement roadster won't be going anywhere without fuel, but on its own, that fuel won't move you inch one. It takes much more than hope and optimism to improve your financial situation. You're also going to need support, information, tools, motivation, and about 27 other requisite niceties.

In short, positive impact comes only from action. Behaviors must be precisely targeted, discarded, and/or developed. Big changes must be made. And you must initiate them.

If the financial crisis of 2008 and 2009 has taught us anything, it is this:

The individual is the ultimate gatekeeper of his or her own finances.

It's been said that "No one cares about your money more than you," but I've found that slogan to fall a little short. There are lots of people who care greatly about your money — but only because they dearly want to take it from you.

Banks. Mortgage brokers. Stock brokers. Credit-repair agencies. Debt-consolidation firms. Financial advisors.

All these guys, and tons more, want a chunk of your money. Depending on their honesty and sense of "fiduciary responsibility" to keep your money safe and in the right places for you is a tremendous roll of the dice. Despite what you're told, their intentions will almost never perfectly align with your goals.

We all have to rely on these financial entities at some time or another. Just because they supposedly come from a position of knowledge doesn't mean we should blindly trust they what they're telling us.

Do your homework. Educate yourself. Be skeptical. Read the fine print. Under no circumstances should you be afraid to hang up the phone or walk out the door.

Remember: Everyone wants your money.

Only you can protect it.

The first step toward financial freedom is recognition — recognition of your current situation, obstacles, and capabilities.

If you've been relying on others to get you where you want to go, then stop. If you think a hefty inheritance or winning lottery stub will come along and bail you out someday, it won't. If you've been blaming others for the negative positions you might find yourself currently in, then stop. No one will execute your personal interests better than you. So take control of your life.

Stomp on the gas. Be the driving force.

Humans can be a negatively-charged lot. Consider that society has trained the majority of people out there (myself included) to think in terms of "Well, I can't do this because . . .." Our minds revert to this whenever we're confronted with a task or goal that seems even a little bit formidable.

So, starting now, direct your thought processes into a U-turn. Live with the words, "I will do this because . . .." Write them down. Those five words are how big accomplishments get off the ground.

Even the greatest accomplishments start out small. If you're looking ahead and getting frustrated because all you can see is how daunting your tasks/goals are, then break them down. Divide your work into steps. Make them smaller, more manageable. But keep them big enough to still be tangible and fulfilling when they're accomplished.

With each completed step, that sense of progress you'll feel is what will keep you going. Anything can be accomplished if it is done a little bit at a time.

Know who Benjamin Franklin is? Thomas Edison? The Wright brothers? Bill Gates?

Of course you do.

History remembers the "doers," not the doubters.

Money problems — when they happen — aren't caused by the money you make. They're also not caused by the money you don't make. They're caused by the way you spend the money you make.

So the next time you hear someone blame their financial situation on "low wages," you'll know better:

They're making excuses.

Responsibility begins with the person. Where it ends is a matter of effort.

One absolute truth: Debt is a stranglehold on your family's future. So if you have it — yes, even mortgage debt — do what you can to get it paid off. Do this as fast as you can. You owe it to no one more than yourself.

Lose debt. Gain freedom.

It's the mantra of the Discouraged Consumer, usually heard at bill-paying time: "If only I made more money." But without a change in mindset and a strict financial discipline, the "more money" that occurs every so often via a raise in pay, or an inheritance windfall, or whatever, will always be accompanied by a proportionate rise in expenditures. Thus the saying:   "All I want is to make ends meet — but someone keeps moving the other end."

More money will not solve the problem. Discipline, drive, and financial intelligence will.

The majority of people go through life without truly understanding the difference between assets and liabilities. The rich got where they are by purchasing assets. Low- and middle-class people got where they are (and stay there) by buying liabilities.