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Written and Produced by our partners Matt and Wilburgs Productions

How to earn a nine-figure income

Here are six tips to becoming a billionaire.

1. Move to another country

Making the Billionaires rich most recently are those in Russia, Turkey and India.

2. Become a childrens' entertainer.

No, not Bozo, an alcoholic, middle-aged man doing kid's parties. Get out some colourful skivvies and a few catchy tunes like the Wiggles. Try to be a one-man show though, so you don't have to split your income down to 8-figures.

3. Go into IT

Microsoft, Google, Dollars. Get it? If you are doing a PhD or thinking about a Masters in medicine, stop right now. You are smart enough to know that IT is the future, Web 3.0. Microsoft, Google. Start putting you efforts into monetizing and monopolising.

4. Monetizing and Monopolising

see number 3

5. Start Prospecting

Oil and Gold. These will always be lucrative and will only go up as the economy worsens.

6. Email marketing

There are millions of people with access to the web and email. You potentially can reach them all, and get a few-hundred dollars from each. Some will even send you money and/or their bank account details if you say your are from Nigeria and tap into their greed.

How to deal with a loan shark

In desperate times in the desperate economy we can sometimes find ourselves in desperate situations. Here are three tips you can follow in dealing with debt.

1. Assess the situation

Can you pay? Then do it quickly
Is he a relative? Then see if you can extend the deadline, reduce the interest or get more cash.
Can you disappear? Then use what cash you have, buy a one-way ticket and go live in the UK, South America or any other place you've always thought about.

2. Negotiate

Rather than risk losing the debt, most lenders would appreciate negotiating a compromise. Speak to your loan shark and be willing to be flexible. Perhaps you can do a job for him, steal something or become a drug mule.

3. Hire a hitman

You've already gone to the seedy side of business with your dealings with a loan shark. It's not a large step to hire a killer. Try to get a good price and remember you don't have to pay the whole amount up-front. Pay 50 percent before the job and 50 percent on delivery. Of course make sure you pay the outstanding 50 percent or you'll be back in the same (or worse) situation

Best bonus available in 2009

This year seems to be the year of economic doom and gloom, but it needn't be. Make 2009 the year when you can take advantage of a great bonus.

1. The tax bonus

If you earned less than $80, 000 in the financial year 2007-08, or you made it look that way on your income tax from then the Rudd government will give you a $900 tax bonus.

2. The Baby bonus

The baby bonus is a refundable tax offset that you can claim from the Australian Taxation Office, even if you do not pay tax, do not have any income, or do not lodge a tax return. The baby bonus is paid whether or not you get any other family benefits—for example maternity allowance—and is not income tested. Plus the more we as Australians fail to replace ourselves, the higher this bonus is being raised.

3. The first home-owners grant

If you are a first home buyer who purchases an existing home, you may receive a total payment of $14,000 ($7000 First Home Owners Scheme grant + $7000 First Home Owners Boost).
If you are a first home buyer who purchases a new home, you may receive a total payment of $21,000 ($7000 First Home Owners Scheme grant + $14,000 First Home Owners Boost).
The Boost is not means tested and can be used to buy a property of any value.

4. The CEO golden handshake

This is the best option. You can get a bonus of millions of dollars and you don't have to be very good. In this current climate you can just blame your mistakes on the 'global economic downturn'. Remember too that the board only has the power to refuse your massive payout if it is more than seven times you annual yearly earnings. Don't be greedy, ask for six times. Don't worry about the government placing a one-year cap on your pay-out, that will never get through. They couldn't get that alcopop tax through the senate, our obese kids can now continue to get smashed on the weekends and you can get your payout, no probs.

5. Create a bonus

Sure times are tough. Some companies are threatening to not give out a Christmas bonus. Some are refusing to sign-off on a Performance bonus. So, why not speak to your manager about a non-performance/non-holiday based bonus. For example, you receive a 6-monthly bonus based on the amount of stationery supplies you otherwise would have stolen or the amount of time you are thinking of slacking off, because they're not giving out bonuses anyway. The important thing is to be creative.

So make sure, you make the most of this year.

Five steps to being debt-free

Why not make this year, the year you become debt-free. Find out how you can do it with Finance Financial's top 5 tips

1. Don't go to University

If you go you'll end up with a massive HECS debt. This is a huge debt that is thousand of dollars per year. You'll also graduate with no actual work experience and most probably a drinking problem.

2. Change your lifestyle

Of course this can be extremely hard to do. Everyone likes to go out for dinner, rather than sit at home eating a tin of baked beans. Alternatively you can pull out your wallet at the end of the meal and exclaim 'oh no, I forgot to get money out'. This way you can let your family and friends pay. You will be able to do this for at least six months before anyone calls you out.

3. Change your habits

It is much cheaper to stay at home and drink. But if you decide to go out with friends drinking, make sure you go out in a big group - at least six or more and make sure that you never buy a round early. By the time it's your turn it's probably midnight, everyone is too drunk and/or it's time to go home because they've got work on tomorrow.

4. Take care with your credit card

Make sure you don't overspend on your credit card. Also try as much as you can to pay back more than than the minimum monthly repayments as this will reduce the interest. The best thing you can do is borrow your dad's card and use that.

5. Prioritise your debts

List all the amounts you owe by interest rate rather than the balance. Put high-interest loans at the top of the list. Now concentrate on paying off the debts at the top first. Of course if you owe money to loan-sharks or gangsters forget everything else we've said and pay those off, broken legs are much, much worse than debt

Welcome to the uncertain world economy

Here are at Finance Financial we'll be giving you an insight into money, cash, finance, the economy, trading and making a payday