| Quotations - Spend |
[Quote No.29227] Need Area: Money > Spend
"[There are many pleasures that cost nothing:] The day, water, sun, moon, night - I do not have to purchase these things with money." - Titus Maccius Plautus
(circa. 254 B.C. – 184 B.C.), commonly known as Plautus, was a Roman playwright.
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[Quote No.29256] Need Area: Money > Spend
"[Be very cautious about taking on debt, or even making it possible that you can by accepting the offer by so-called bank 'experts' to increase your credit card limit, if you may be at all susceptible to financial stressors that could see you lose control of your budget discipline and thereby add to your woes.] The evidence is that credit card default is related to unemployment, illness and family breakdown..." - David Bell
Australian Bankers Association chief executive
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[Quote No.29394] Need Area: Money > Spend
"It is vain to do with more what can be done with less." - William Of Occam
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[Quote No.29800] Need Area: Money > Spend
"... prosperity is oftentimes made the very means of our greatest adversity. [by reducing caution and allowing profligate spending without due regard to the fickle nature of Fate, which the ancient Greeks believed only raised a person to maximise the damage to them when she threw them down if they showed lack of vigilance, gratitude, humility or compassion.]" - Daniel Defoe
(circa 1661 - 1731), English author and journalist. Quoted from his famous novel, 'Robinson Crusoe'.
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[Quote No.29844] Need Area: Money > Spend
"In a credit driven economy, consumers don’t spend based upon their total debt level. They spend based upon the monthly cost of carrying their debt [after taking into consideration their income, tax and living costs]. Therefore the lower the interest rate the more they borrow on credit cards, personal loans, home equity loans, etc, for immediate gratification. This is okay if interest rates are continually falling however when they rise, which they always do eventually at the end of an economic/business/credit/share market cycle when inflation rises, it can be a severe problem. Add to that unexpected accidents, sickness, divorce and unemployment and you have a recipe for personal disaster and/or bankruptcy. Wise, experienced people live within their means, borrow as little as possible and save significant amounts for 'rainy days' and for investing. This is the recipe that has made those that follow it progressively more and more financially comfortable, secure and happy as they grow older." - Seymour@imagi-natives.com
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[Quote No.30268] Need Area: Money > Spend
"...these we adore; plain living and high thinking" - William Wordsworth
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[Quote No.30466] Need Area: Money > Spend
"He who will not economize will have to agonize." - Confucius
(551 BC - 479 BC)
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[Quote No.30518] Need Area: Money > Spend
"He that loveth pleasure [he can't afford] shall be a poor man." - Bible
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[Quote No.30687] Need Area: Money > Spend
"To hard necessity ones will and fancy must conform." - Johann Wolfgang Von Goethe
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[Quote No.30717] Need Area: Money > Spend
"Loans and debts make worry and frets." - Proverb
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[Quote No.30765] Need Area: Money > Spend
"Better to go to bed hungry than to wake up in debt." - Proverb
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[Quote No.30768] Need Area: Money > Spend
"Pay beforehand if you would have your work poorly done." - Proverb
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[Quote No.31066] Need Area: Money > Spend
"The man who will live above his present circumstances, is in great danger of soon living beneath them; or as the Italian proverb says, 'The man that lives by hope, will die by despair.' " - Joseph Addison
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[Quote No.31226] Need Area: Money > Spend
"It is a prudent policy not to allow yourself, despite what your bank may offer you when times are good, to borrow for a home so much that the repayments [and remember interest rates may rise 2-3%] go above a third of your gross wage." - Seymour@imagi-natives.com
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[Quote No.31456] Need Area: Money > Spend
"The common practice of keeping up appearances with society is a mere selfish struggle of the vain with the vain." - John Ruskin
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[Quote No.31692] Need Area: Money > Spend
"[In debt, rather than investment, fuelled economies there three types of people] – 'the haves', 'the have-nots' and 'the have-not-paid-for-what-they-haves'." - Satyajit Das
Financial analyst and author.
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[Quote No.31728] Need Area: Money > Spend
"Leverage [debt] is what causes people real trouble in this world. You don't want to be in a position where someone can pull the rug out from under you or, emotionally, where you pull it out from under yourself." - Warren Buffett
One of the richest men in the world.
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[Quote No.31806] Need Area: Money > Spend
"Whatever you have spend less." - Samuel Johnson
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[Quote No.31832] Need Area: Money > Spend
"One of the most interesting things I learned from the individuals I knew who became billionaires is that they considered every dollar to be valuable. Money was a means to advance their goals - in particular, the goal to become wealthy. And you don't become wealthy by being careless with any amount of money.
I'll give you an example.
About 15 years ago, I was working with a successful hotel magnate who was opening a convention center. One of the things that had to be installed was an industrial dishwasher - and, at the time, industrial dishwashers retailed for around $40,000.
Millions of dollars were being spent, so you'd think he would have just given his team a quick okay to go ahead and make the purchase.
But no. Experience had taught him that rebuilt equipment was just as good as new. So he had his team do some research to see what it would cost for a rebuilt dishwasher (same make and model).
They found one that was selling for $7,500, and they snapped it right up - for a savings of $32,500 that could be allocated elsewhere.
You should do the same, whether you're dealing with your business, family, or personal budget. You should always be looking for ways to spend less (or not buy at all). Because every dollar adds up, especially when your goal is to be wealthy." - Bob Cox
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[Quote No.31866] Need Area: Money > Spend
"Industry, perseverance, and frugality make fortune yield!" - Benjamin Franklin
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[Quote No.31921] Need Area: Money > Spend
"If you know how to spend less than you get, you have the philosopher's stone." - Benjamin Franklin
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[Quote No.31930] Need Area: Money > Spend
"[It's strange that while children we are taught many useful things, one of the most useful to our future happiness - budgeting, is often leave to chance... Out of all we earn we should always be saving a percentage for a 'rainy day' and for the future, including our retirement, and investing that carefully, without taking too great a risk, to maximise the value of our savings. Out of the money left from our earnings we need to set aside the money for our basic needs, like mortgage/rent, food, etc., and then we need to think carefully how best to spend the remaining discretionary money wisely. So...] Take a sheet of paper and draw a vertical line down the middle of it. On the left side of the page, under a column marked 'Things I Enjoy,' make a list - maybe something like this:
Time with family and friends
Reading
My hobbies (List them.)
My house
My car
My stereo
My clothes
and so on...
On the right side of the page, write down a number from 1 to 5 that indicates how much ongoing enjoyment you get from each of those things. [The higher the number the higher the enjoyment. The next idea to wisely manage our spending is to try to decide how to get the biggest reward for the least cost, which will help us better budget our discetionary money and time. So take your list and give a number from 1 - 5 for the cost of each of the things you enjoy. The higher the number the higher the cost. Subtract this from the number for how much you enjoy a thing and the resulting number is the cost benefit 'value' to you. Therefore you receive the best value for your time and money from those activities with the highest 'cost benefit value' number.]
What you'll probably [happily] find out is that most of the best things in your life, as the saying goes, are, indeed, free.
That's the way it is for you. That's the way it is for me. And that's the way it is for everyone else, including billionaires.
[Knowing these things will help us improve our financial budgets and stick to them so we can meet our financial responsibilities to others and ourselves in the future and have fewer financial concerns and more happiness.]" - Michael Masterson
Successful entrepreneur
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[Quote No.32075] Need Area: Money > Spend
"My problem lies in reconciling my gross habits with my net income." - Errol Flynn
Film star.
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[Quote No.32360] Need Area: Money > Spend
"Draw your salary before spending it. [In other words, don't borrow.]" - Artemus Ward
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[Quote No.32459] Need Area: Money > Spend
"Live simply and frugally by mastering desire." - Alex Green
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[Quote No.32461] Need Area: Money > Spend
"The more you learn to live without, the more you'll have to live with!" - Frank A. Clark
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[Quote No.32475] Need Area: Money > Spend
"Who goes a borrowing, goes a sorrowing." - Proverb
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[Quote No.33003] Need Area: Money > Spend
"Economy is in itself a great source of revenue." - Seneca
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[Quote No.33141] Need Area: Money > Spend
"Buy what thou hast no need of and ere long thou shalt sell thy necessities." - Benjamin Franklin
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[Quote No.33232] Need Area: Money > Spend
"If you don't learn to spend less than you make, you will never have peace of mind." - Michael Masterson
Successful entrepreneur.
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[Quote No.33233] Need Area: Money > Spend
"Most of what you buy when your income is above $100,000 is discretionary. Don't fool yourself into thinking you NEED a big house or a fancy car. [This goes double if you earn less than $100,000 per annum.]" - Michael Masterson
Successful entrepreneur.
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[Quote No.33280] Need Area: Money > Spend
"If thou wouldst be happy... have an indifference for more than what is sufficient." - William Penn
(1644 - 1718), British religious leader and founder of Pennsylvania.
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[Quote No.33330] Need Area: Money > Spend
"What people need and what they want may be very different." - Elbert Hubbard
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[Quote No.33353] Need Area: Money > Spend
"It is much easier to suppress a first desire than to satisfy those that follow." - Benjamin Franklin
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[Quote No.33435] Need Area: Money > Spend
"It is not the greatness of a man's means that makes him independent, so much as the smallness of his wants." - William Cobbett
(1762 - 1835), British journalist and reformer.
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[Quote No.33563] Need Area: Money > Spend
"Some [very foolish] people use one half their ingenuity to get into debt, and the other half to avoid paying it." - George D. Prentice
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[Quote No.33811] Need Area: Money > Spend
"The most convenient way to own physical gold [as an emergency currency during economic turmoil or hyper-inflation] is in the form of bullion coins. Be sure to buy top quality - coins that aren't damaged in any way. Nicked or scratched coins won't get you full value when you go to sell them. And make sure that you are not paying a big premium for them. Five or six percent is the absolute limit, in my opinion... [stick with] with these five gold bullion coins:
1. South African Krugerrand -
Krugerrands were the most commonly traded coins during the last gold bull market and are still traded today.
2. Canadian Maple Leaf -
The Maple Leaf was first minted in 1979 and was an instant success. Like the Krugerrand, it contains a full 1 troy ounce of gold. It has a face value of $50 (Canadian), which is far less than the value of the gold itself.
3. Australian Kangaroo -
The 'Roo,' as it's called, replaced Australia's 'Nugget' coin. (Nobody liked the Nugget's design -- with a lump of gold on the reverse that looked like a rock.) It, too, weighs 1 troy ounce, with a face value of $100 (Australian).
4. Chinese Panda -
The Panda was introduced in 1982, the first gold bullion coin designed as a series of limited editions. It is minted in 1-ounce, half-ounce, quarter-ounce, tenth-ounce, and twentieth-ounce sizes.
5. American Eagle -
This is the gold bullion coin that everybody wants. First minted in 1986, it is easy to buy, easy to sell -- and is considered to be the most beautiful coin ever produced. It is available in 1-ounce, half-ounce, quarter-ounce, and tenth-ounce sizes." - Andrew Gordon
a senior analyst with Investor's Daily Edge (IDE),
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[Quote No.34308] Need Area: Money > Spend
"It is the eye of other people that ruin us. If I were blind I would want, neither fine clothes, fine houses or fine furniture." - Benjamin Franklin
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[Quote No.34580] Need Area: Money > Spend
"[Do not borrow to spend on a depreciating asset or pleasure. Remember...] Man was lost if he went to a usurer, for the interest ran faster than a tiger upon him." - Pearl S. Buck
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[Quote No.34593] Need Area: Money > Spend
"Bargain like a gypsy, but pay like a gentleman." - Hungarian Proverb
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[Quote No.34657] Need Area: Money > Spend
"Nature uses as little as possible of anything [and so should we]." - Johannes Kepler
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[Quote No.35025] Need Area: Money > Spend
"If thou wilt make a man happy, add not unto his riches but take away from his desires [or substitute a cheaper alternative to desire]." - Epicurus
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[Quote No.35135] Need Area: Money > Spend
"Quick to borrow is always slow to pay." - Proverb
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[Quote No.35170] Need Area: Money > Spend
"[Frugality is common among self-made business people because they appreciate the value of money to be invested to make more money and the dangers of borrowing. In the West, Warren Buffett, one of the richest men in the world, is a good example. In China, a good example might be Zong Qinghou] Zong Qinghou, China’s richest person with a fortune estimated to be at least $8 billion, says his personal spending averages $20 a day. The soda and juice magnate doesn’t gamble, drink or play golf and eats his meals at the company canteen.
Zong’s frugality extends to how he runs Hangzhou Wahaha Group Co., the third-largest soft drinks company in China... The company he started with a 140,000 yuan ($21,300) loan in 1987 aims to boost sales 27 percent this year to 70 billion yuan, he said in a March 1 interview in Beijing... The Wahaha chairman said his first job after finishing middle school at 18 was to collect brine at a salt farm in the port city of Zhoushan in eastern Zhejiang province. The son of a government clerk, Zong said he heeded Mao’s call to work in China’s countryside. A year later, he moved to an agricultural farm, where he worked for 14 years... After working in the countryside for 15 years, Zong returned to Hangzhou, Zhejiang’s capital, and moved from job to job before borrowing money from relatives and friends to set up a store. He also sold snacks and drinks while pedaling around on a tricycle before going into beverage making in 1988." - Bloomberg News
Mar 9, 2011
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[Quote No.35210] Need Area: Money > Spend
"One learns to itch where one can scratch." - Ernest Bramah
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[Quote No.35272] Need Area: Money > Spend
"He who buys what he needs not, sells what he needs." - Japanese Proverb
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[Quote No.35292] Need Area: Money > Spend
"The borrower is servant to the lender." - Bible
Proverbs 22:7
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[Quote No.35586] Need Area: Money > Spend
"[Be careful of deceptive, overly emotional advertising, because this type of] Advertising may be described as the science of arresting the human intelligence long enough to get money from it." - Stephen B. Leacock
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[Quote No.35665] Need Area: Money > Spend
"When you find yourself in a hole [debt], stop digging [spending]." - Will Rogers
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[Quote No.35757] Need Area: Money > Spend
"[Don't go into debt for a depreciating asset. There are too many free ways to enjoy yourself to do that with all the risk it puts your future freedom under.] What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?" - Adam Smith
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