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[Quote No.15982] Need Area: Money > Save
"Gain may be temporary and uncertain; but ever while you live, expense is constant and certain: and it is easier to build two chimneys than to keep one in fuel.[...therefore always look to and save for your future needs.]" - Benjamin Franklin
(1706 - 1790) American statesman, inventor and author
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[Quote No.17532] Need Area: Money > Save
"Waste not, want not; willful waste makes woeful want." - Benjamin Franklin
(1706 - 1790) American statesman, inventor and author
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[Quote No.21745] Need Area: Money > Save
"Thrift is of great revenue. [ like the adage 'A penny saved is a penny earned.']" - Marcus T. Cicero

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[Quote No.22073] Need Area: Money > Save
"One of the smartest things that you can do to preserve your financial well-being is to develop a regular savings program. Your goal should be to save 10 percent and more of your income, off the top, each month, from each paycheck or income source. There are few things that will give a greater sense of confidence and control than for you to know that you have a cash reserve set aside in the event of an unexpected emergency. In contrast, there is nothing that will cause you more stress and tension than to be living on the edge of your financial resources, unable to deal with a financial emergency or a need of any kind." - Brian Tracy
Best-selling business authority
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[Quote No.22753] Need Area: Money > Save
"Out of debt, out of danger." - Proverb

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[Quote No.23193] Need Area: Money > Save
"If you should put even a little on a little and should do this often, soon this would become big." - Hesiod

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[Quote No.23805] Need Area: Money > Save
"Money is better to have and not need, than to need and not have - so save for your future needs out of all you earn today." - Unknown

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[Quote No.23827] Need Area: Money > Save
"The rich get richer...because they have surpluses with which to invest...[The sooner you save some money, the sooner you can invest. The sooner you invest, the sooner you too can get richer!]" - Stuart Wilde
Self help author and motivational expert
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[Quote No.24416] Need Area: Money > Save
"The saving man becomes the free man." - Chinese Proverb

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[Quote No.25028] Need Area: Money > Save
"Train up a fig tree in the way it should go, and when you are old sit under the shade of it." - Charles Dickens

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[Quote No.25066] Need Area: Money > Save
"Happiness is a positive cash flow. [so there is money left to save and invest to achieve a continually improving standard of living.]" - Fred Adler

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[Quote No.25457] Need Area: Money > Save
"[Save for your retirement because] Cessation of work is not accompanied by cessation of expenses." - Cato The Elder
2nd Century BC Roman politician, general, and writer
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[Quote No.25602] Need Area: Money > Save
"From saving comes having." - French Proverb

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[Quote No.25921] Need Area: Money > Save
"Thrift is of great revenue." - Marcus T. Cicero

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[Quote No.25922] Need Area: Money > Save
"It pays to save." - unknown

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[Quote No.26198] Need Area: Money > Save
"[A story - with a message:] 'The Ant and the Grasshopper' - In a field one summer's day a Grasshopper was hopping about, chirping and singing to its heart's content. An Ant passed by, bearing along with great toil an ear of corn he was taking to the nest. 'Why not come and chat with me' said the Grasshopper, 'instead of toiling and moiling in that way?' 'I am helping to lay up food for the winter' said the Ant, 'and I recommend you to do the same.' 'Why bother about winter?' said the Grasshopper; 'We have got plenty of food at present.' But the Ant went on its way and continued its toil. When the winter came the Grasshopper had no food and found itself dying of hunger, while it saw the ants distributing every day corn and grain from the stores they had collected in the summer. Then the Grasshopper knew:.......It is best to prepare for the days of necessity." - Aesop
One of his most famous fables - from 'Aesop's Fables'
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[Quote No.26432] Need Area: Money > Save
"...if you're not saving at least 10% then you are spending too much." - Paul B. Farrell
Financial analyst and author
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[Quote No.26601] Need Area: Money > Save
"It is very helpful to know from your budget your debt-to-disposable income ratio - which should be kept low - as well as the savings-to-disposable income ratio - which should be kept high." - unknown

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[Quote No.26798] Need Area: Money > Save
"There never has been, and cannot be, a good life without self-control!" - Leo Tolstoy
(1828-1910), Russian Novelist, Philosopher
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[Quote No.27243] Need Area: Money > Save
"People should take every opportunity they can to save money because it really adds up, and the best way I know to do that is to make your savings automatic." - David Bach
author of the national bestsellers, 'Smart Women Finish Rich', 'Smart Couples Finish Rich', 'The Finish Rich Workbook', '1001 Financial Words You Need to Know' and 'The Automatic Millionaire'.
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[Quote No.27314] Need Area: Money > Save
"When prosperity comes, do not use all of it." - Confucius

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[Quote No.27445] Need Area: Money > Save
"True wealth builders set aside money for savings well before they pay any bills. By making personal investing a priority, they force themselves to conserve where they need to conserve... in their discretionary spending." - Michael Masterson
Successful entrepreneur
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[Quote No.27591] Need Area: Money > Save
"During the 20-year span of his [boxing] career, Mike Tyson's income exceeded $400 million. Yet, in 2004, before his 39th birthday, this amazing moneymaker was $38 million in debt.... The purpose of this is not to shake a finger at Mike Tyson but to alert you to the dangerous temptation to spend more when you make more. As someone who grew up drinking powdered milk and wearing hand-me-downs, I understand the strength of that temptation. The faster money came in, the faster it went out. Stories about his profligacy are already legendary. Tyson employed as many as 200 people, including bodyguards, chauffeurs, chefs, and gardeners." - Michael Masterson
Successful entrepreneur
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[Quote No.27602] Need Area: Money > Save
"No gain is so certain as that which proceeds from the economical use of what you already have." - Latin Proverb

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[Quote No.27933] Need Area: Money > Save
"I made my millions from maxims, chief of which was the one my father favored, which went, ‘Any man can earn a dollar, but it takes a wise man to keep it’." - Russell Sage
Highly successful early American share investor
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[Quote No.28263] Need Area: Money > Save
"I believe that most successful moneymakers regularly count their money... they regularly assess their fortunes. As their net income grows and they feel more comfortable with their wealth and more confident of their income, they count less. When they get superwealthy - Warren Buffett wealthy - they don't have to count their money. Fortune magazine and countless other entities do it for them. But on their way up, they count. And that's what I recommend you do. Specifically, I suggest that you do a personal balance sheet every month. Create a spreadsheet that lists all your assets and all your debits. Include valuable possessions, stocks, bonds, mutual funds, gold, real estate (aside from your home), and so forth. You'll be amazed at how much this simple commitment can affect the way you think and even the way you act." - Michael Masterson
Successful entrepreneur
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[Quote No.28304] Need Area: Money > Save
"Place your winnings under cover when they are sufficient or large. ... Fortune soon tires of carrying anyone long on her shoulders." - Baltasar Gracian
seventeenth century Jesuit priest
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[Quote No.28305] Need Area: Money > Save
" 'Leo' had a good strategy for handling big paydays. Throughout his career, whenever he received a big chunk of income, the first thing he did was carve out an amount sufficient to cover the income taxes he would have to pay on it and put the money in a special bank account. The result, of course, was invisible, because the potential problem (having to cough up an unexpected number of dollars at tax time) never became an actual problem. Leo would then set aside 90 percent of the remaining money to expand his ever-increasing financial cushion. And with the remaining 10 percent, he indulged himself and his family with whatever luxuries their hearts desired. I don't believe I've ever known anyone who planned his financial life so carefully and followed through in such a disciplined manner. Leo did, in fact, hit a string of crises in the mid-eighties that might have put most wealthy people under. But thanks to his taxes-first, cushion-second, luxuries-third approach to allocating income, he was able to weather each and every adversity... I guess you'd say that because of his approach to finances, Leo is the consummate financial winner... [Other successful people have not taken such a defensive approach to the unexpected and have found themselves all the worse for it so...] Make your financial moves very carefully, and never underestimate the unforeseen circumstances that she [Fortune] surely has in store for you. Overconfidence is a dangerous card to play. And arrogance is as close as one can come to playing a fatal card. It's a good idea to operate your life on the assumption that unforeseen circumstances are lurking in the shadows, just around the next bend. Fortune does not carry anyone on her shoulders indefinitely. You should always try to hold a clear picture in your mind of the end result you're after. And to the degree you become adept at this skill, you're likely to end up with a very good batting average - payable in dollars. Nevertheless, it's all for naught if you fail to make allowances for the roadblocks that are sure to be placed in your path by that fickle trickster known to humankind as Fate." - Robert Ringer

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[Quote No.28482] Need Area: Money > Save
"Rich people start off as poor people. The difference is they take the nickels and dimes [save] and they invest it — they didn’t spend it all at the mall." - Ric Edelman
Financial advisor and author of 'Ordinary People, Extraordinary Wealth'.
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[Quote No.28694] Need Area: Money > Save
"Nobody [no company and no country] ever got rich consuming more than [they were] producing." - Dan Denning
Editor of the financial newsletter, 'The Daily Reckoning - Australia'.
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[Quote No.28832] Need Area: Money > Save
"Thrift is of great revenue. [or in other words, 'A penny saved is a penny earned!']" - Marcus T. Cicero
Great Roman orator and politician, becoming the leader of the Senate.
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[Quote No.29007] Need Area: Money > Save
"...too many of us have yielded to the marketers' siren calls to buy more stuff than we need or is good for us. 'You deserve it!' they assure us, pretending to care about our welfare... The first step on the road to over-consumption [and financial ruin] is to stop saving, which is just what many of us have done. What's wrong with spending all your income? It [disempowers you - literally makes you weaker in our world where money, not possessions, gives you the power to choose how you live and] leaves you without a buffer. That's why so many people are complaining so bitterly about unexpected rises in interest payments and the cost of petrol and food. Having left themselves with no buffer, they're having trouble making ends meet and are having to economise in painful ways. But now that saving has become unfashionable, that's the way many [financially-foolish] people live. Every increase in our income is seen as an opportunity not to put something away for a rainy day, but to buy more. We've become victims of Parkinson's Second Law: expenditure rises to meet income. [But you don't have to be a victim of your own out-of-control consumption. You can easily learn to live below your financial means so you can save and invest the rest, giving yourself the power to choose, in important areas, the way you want to live in the future. Stay away from temptation, take pleasure in the many simple, natural - INEXPENSIVE - joys in life and don't spend your hard earned money for the short term high of the new or trying to impress others.]" - Ross Gittins
Australian financial journalist. Quoted from the 'Sydney Morning Herald' newspaper, July 23, 2008.
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[Quote No.29012] Need Area: Money > Save
"[Save some of all you earn because, as all wealthy people learn who stay wealthy, financial] Liberty must be limited in order to be possessed." - Edmund Burke
(1729 – 1797), Anglo-Irish statesman, author, orator, political theorist, and philosopher.
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[Quote No.29031] Need Area: Money > Save
"You can't get rich on consumption, as Dr. Richebacher [editor of 'The Richebacher Letter' and a world-renowned author, economist, and international banker] used to say. You need capital formation. Save your money and invest it in productive enterprises." - Bill Bonner
Author, founder of Agora Publishing and founder and editor of the financial newsletter, 'The Daily Reckoning'.
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[Quote No.29073] Need Area: Money > Save
"Out of 100 people who reach retirement age at 65 [when income drops significantly, while expenses - especially health costs, rise dramatically], 4 will be financially independent, 1 will be wealthy, and 95 will be broke. [and relying on a notoriously inadequate pension. This should give intelligent people all the reason they need to be financially disciplined with a budget, start saving and learn to invest wisely as soon as possible.]" - Earl Nightingale
Business consultant and speaker. Quoted from his classic recording, 'The Strangest Secret.'
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[Quote No.29685] Need Area: Money > Save
"I believe the sign of maturity is accepting deferred gratification. [So save and buy with cash later rather than borrow and have now. Because borrowing always puts a person at the mercy of a future of unknown difficulties and dangers, which has been the ruin of many a person. Mature wisdom says that borrowing is an unnecessary risk taken only to satisfy the childish need for immediate gratification.]" - Peggy Cahn

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[Quote No.30523] Need Area: Money > Save
"Be generous but not extravagant, be frugal but not miserly." - Imam Ali ibn Abu Talib
From the Nahj al-Balagha (The Peak of Eloquence) which is the most famous collection of speeches and letters attributed to Imam Ali. Saying 32.
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[Quote No.30788] Need Area: Money > Save
"How little you know about the age you live in if you think that honey is sweeter than cash in hand." - Ovid
(43 B.C. - 18 A.D.), Roman poet
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[Quote No.30789] Need Area: Money > Save
"Careful cash management is a critical tool in getting through [any economic time but especially] an economic crisis. When hard times hit, those with cash have a leg up on those without. [Remember cash is the lifeblood of any business or personal financial situation. While assets may be able to be used for collateral for a loan/rented/sold/liquidated for cash the prices achieved in difficult economic times are nearly always very poor.]" - Andrew Gordon
Investment consultant
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[Quote No.30896] Need Area: Money > Save
"A glutton young, a beggar old." - German Proverb

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[Quote No.31195] Need Area: Money > Save
"Happiness is a positive cash flow. [i.e. - saving more than you spend!]" - Fred Adler

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[Quote No.31328] Need Area: Money > Save
"Freedom from effort [work] in the present merely means that there has been effort [savings] stored up in the past." - Theodore Roosevelt
U.S. President
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[Quote No.31522] Need Area: Money > Save
"You can be young without money but you can't be old without it." - Tennessee Williams

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[Quote No.31628] Need Area: Money > Save
"Economy is the method by which we prepare today to afford the improvements of tomorrow!" - Calvin Coolidge
U.S. President
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[Quote No.31629] Need Area: Money > Save
"Savings, not credit, is the lifeblood of a healthy economy. When not [determined and] used properly credit can be like a cancer that sickens an otherwise healthy economy [because]...Credit extended without adequate savings [reliable income and conservatively valued collateral nearly] inevitably leads [individuals, families, businesses and] an economy into disaster. [when the unexpected happens, which it does with remarkable regularity. And the current vogue to use credit cards to survive these 'rainy day' emergencies should be discouraged and replaced by the time proven method of regular saving so there is a buffer for emergencies and to buy large ticket items without paying exorbitant interest.]" - Peter Schiff
Head of fund manager, Euro Pacific Capital.
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[Quote No.31801] Need Area: Money > Save
"'Don't Eat the Marshmallow... Yet' [the best-selling book by Joachim de Posada] ...begins with a Stanford University study. A group of children were put in a room, and each one was given a marshmallow. A researcher told the children that they could eat the marshmallow right away - but if they waited 15 minutes before eating it, they'd get another one as a reward. Then the researcher left the room. Most of the kids ate the marshmallow immediately. But when researchers tracked the group over many years, they found that those who held out turned out to be much more successful as adults. It wasn't because they were smarter, cuter, had better genes, or were more skilled. It was because they had the ability to delay gratification. What about you? Do you 'eat the marshmallow'? Or do you do that which will bring greater prosperity your way? [For example] Each month, when you receive payment for work performed, do you pay yourself first and force yourself to save at least 10 percent of it? Or do you do the easy thing and pay everyone else first, so there's never anything left to invest in your future?" - Matt Furey

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[Quote No.32295] Need Area: Money > Save
"Every one feels the cold [of the inevitable financial winters] according to how they are clothed [by the wealth they have saved from the financial summers' harvests]." - Spanish Proverb

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[Quote No.32327] Need Area: Money > Save
"When a country is not on a gold standard, when its citizens are not even permitted to own gold, when they are told that irredeemable paper money is just as good, when they are compelled to accept payment in such paper of debts or pensions that are owed to them, when what they have put aside, for retirement or old age, in savings banks or insurance policies, consists of this irredeemable paper money, then they are left without protection as the issue of this paper money is increased and the purchasing power of each unit falls [which has been rightly called 'the hidden tax of inflation']; then they can be completely impoverished by the political decisions of the 'monetary managers'. [Protecting the purchasing power of savings is one of the reasons that banks pay interest and investors try to achieve returns greater than inflation.]" - Henry Hazlitt

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[Quote No.32460] Need Area: Money > Save
"The more you learn to live without, the more you'll have to live with." - Frank A. Clark

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[Quote No.32499] Need Area: Money > Save
"The rich become richer and the poor become poorer, because the rich have learnt the importance of saving and investing, which is the magic key to a brighter future for everyone." - Seymour@imagi-natives.com

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