A new study of Census from market research firm, Reach Advisors, shows that unmarried women without children under age 30 are earning 8 percent more than their male counterparts, yet only one in 10 women ages 25-34 has a financial plan in place. Too many of you tweet me saying I'm 30 and in debt, I have no savings or I take care of everyone else. It's time to stop the madness. Here are 8 money tips that have solidified my plan. #1 Start saving. Whether it's $5 or $500, I've been saving consistently since I started working more than 15 years ago. Do the same and watch the dollars and cents add up. #2 Read, read, read. If you're unsure about the path to proper money management, study how the pros and regular folks, just like you and me, do it. Some of my favorite finance books are The Millionaire Next Door by Thomas J. Stanley and William D. Danko. It was here that I found out that wealthy people: (1) Own businesses; (2) Buy American cars; and (3) Shop at Wal-mart. It's how they grow and stay rich. #3 Build multiple streams of income. If you've been doing your girlfriends hair, cooking dinners on Fridays, or planning parties for the family for free, then stop it! At least until someone starts paying you. Other ways to make some extra money? Sell your extra stuff (read clutter) on eBay, partner with a consignment shop, get a part-time job (go to indeed.com for positions in your neighborhood) or tutor a neighborhood child. #4 Build an emergency fund. I started this fund about 10 years ago and it continues to grow nicely. These funds should equal 3 to 6 months of your income. Stash the cash in a separate low-interest bearing account that you can access quickly if necessary. #5 Shop like a frugal fashionista. Yes, ladies. You can be fly on a dime. If you want to rock the latest coach, for example, rent it for $5 at www.bagborroworsteal.com click here.