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  Quotations - Spend  
[Quote No.36018] Need Area: Money > Spend
"Want is not need." - Noah Kass
Clinical director of the Realization Center, one of the largest addiction treatment centers in New York City.
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[Quote No.36136] Need Area: Money > Spend
"A man [or woman] in debt is so far a slave." - Ralph Waldo Emerson

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[Quote No.36155] Need Area: Money > Spend
"Need Little - Want Less - Love More." - Jesse
Jesse's Cafe Americain blog [ jessescrossroadscafe.blogspot.com ]
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[Quote No.36225] Need Area: Money > Spend
"He who knows that enough is enough will always have enough." - Lao-Tzu

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[Quote No.36478] Need Area: Money > Spend
"Simplicity doesn't mean to live in misery and poverty. You have what you need, and you don't want to have what you don't need." - Charan Singh

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[Quote No.36544] Need Area: Money > Spend
"I count him braver who overcomes his [frivolous, expensive spending] desires than him who overcomes his enemies." - Aristotle

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[Quote No.36617] Need Area: Money > Spend
"The philosophy of the rich versus the poor is this:- The rich invest their money and spend what's left; the poor spend their money and invest what's left. [If you don't want to be poor in the future, regardless of your present income, follow the priority the rich give to saving and investing over spending.]" - Jim Rohn
Highly successful serial entrepreneur and self-made multi-millionaire. He was told this by an old millionaire when he was a young man and desperately unhappy because he was nearly bankrupt and being chased by debt collectors all the time. The truth of the advice was that it changed his life and future.
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[Quote No.36876] Need Area: Money > Spend
"Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like." - Will Rogers
(1879 - 1935).
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[Quote No.37095] Need Area: Money > Spend
"Debt is the worst poverty." - Thomas Fuller

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[Quote No.37270] Need Area: Money > Spend
"There are two ways to conquer and enslave a nation [or individual]. One is by the sword. The other is by debt." - John Adams

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[Quote No.37355] Need Area: Money > Spend
"How many are the things I can do without!" - Socrates

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[Quote No.37570] Need Area: Money > Spend
"Some people go into debt trying to keep up with people who are already there." - Proverb

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[Quote No.37670] Need Area: Money > Spend
"A man in debt is so far a slave." - Ralph Waldo Emerson

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[Quote No.38207] Need Area: Money > Spend
"Be generous but not extravagant, be frugal but not miserly!" - Imam Ali ibn Abi Talib
Quote from the book, 'Nahj al-Balaghah', [which translated means 'The Peak of Eloquence'. It is the collected sermons, letters and sayings of Imam Ali ibn Abi Talib]- Saying 32.
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[Quote No.38233] Need Area: Money > Spend
"Draw your salary before spending it. [Don't borrow to spend, especially on consumption and depreciating assets.]" - Artemus Ward

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[Quote No.38379] Need Area: Money > Spend
"Oh what a tangled web we weave when we try to live beyond our means!" - Seymour@imagi-natives.com
Play on the words of Sir Walter Scott , in Canto VI, Stanza 17 of "Marmion" (1808) - 'Oh what a tangled web we weave when first we practice to deceive'?
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[Quote No.38785] Need Area: Money > Spend
"[Beware:-] A man trying to sell a blind horse always praises its feet." - German Proverb

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[Quote No.40327] Need Area: Money > Spend
"The philosophy of the rich versus the poor is this: The rich invest their money and spend what's left; the poor spend their money and invest what's left. [This philosophy goes a long way to explain why the rich get richer while the poor get poorer.]" - Jim Rohn

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[Quote No.40479] Need Area: Money > Spend
"If you feel compelled to overspend on credit cards because your friends are doing it, you should get new friends...If you carry credit card debt [without paying it off each month], you put yourself at much higher risk for bankruptcy, foreclosure, divorce and other negative situations, including the inability to retire in later years." - Karen Carlson
Director of Education and Creative Programs at InCharge Debt Solutions, a nonprofit organization, that provides bankruptcy counseling, credit counseling, and housing counseling services to consumers and service members in need of financial literacy education, money management guidance, and help finding the right debt solution for their specific situation.[http://www.livetradingnews.com/credit-card-news-63-of-america-have-no-credit-card-debt-68654.htm?utm_source=feedburner&utm_medium=email&utm_campaign=Feed%3A+EbelingHeffernanLTN+%28Live+Stock+Trading+News%29 ]
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[Quote No.40986] Need Area: Money > Spend
"A man who is known to be strictly honest, may be ever so poor, but he has the purses of all the community at his disposal, for all know that if he promises to return what he borrows, he will never disappoint them." - P.T. Barnum

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[Quote No.41964] Need Area: Money > Spend
"When the taste for physical gratifications [consumerism] among them has grown more rapidly than their education...the time will come when men are carried away and lose all self-restraint [by getting into too much debt to buy experiences and things they don't really need]...It is not necessary to do violence to such a people in order to strip them of the rights they enjoy; they themselves willingly loosen their hold [when they give them up in exchange for someone, usually their government, to save them from their debt slavery]...they neglect their chief business which is to remain their own masters." - Alexis de Tocqueville

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[Quote No.42318] Need Area: Money > Spend
"Let reason govern desire!" - Marcus T. Cicero

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[Quote No.43232] Need Area: Money > Spend
"...Many people turn to frugality in response to economic bad times. That is, they view it as a necessary, but bitter pill they are forced to swallow, but would rather spit out. Viewing frugality as a form of poverty, they are driven to it through desperation, rather than a desire to increase control over their lives. To them, frugality must be a dreary thing, but in my life, the contrary is true. A few years ago, my view of frugality changed due to an obvious realization that I had never fully grasped before. Material goods cost money; money is acquired in exchange for my time; my time is literally my life. If X costs $100 and I make $25 an hour, then X costs me four hours of life. Or rather, it costs four hours plus whatever time is consumed by the transaction costs of making money, such as the time and expense of a commute. This was a paradigm shift for me. I ceased viewing possessions in terms of money and saw them in terms of time. And my time is a scarce good. The hours available can sometimes feel boundless, and it is easy to fall into the trap of valuing each unit as if it were part of an infinite supply. Of course, it is not. There are only so many hours left for me to live. With no morbidity, I apply a version of 'marginal utility' to those hours. This economic law says that a person values the first unit of a thing according to its highest use and values subsequent units less. For example, if you have one unit of water, then you value it highly for staving off dehydration and death. If you have a large number of units, then you value the last one for watering a house plant. You would be willing to spend far more for the first unit than for the last. I try to view my hours as though each one were a first unit and, so, highly valuable. When I look in my closet, many possessions now represent wasted time: a dress I never wear, shoes that go with nothing... I won't waste more time reproaching myself, but I need to learn a lesson from that closet. I traded irreplaceable units of my life for possessions I do not value; I call these possessions 'the useless shoes of life.' They are things that are neither necessary nor worth the time I traded to acquire them. Instead, I could have been reading or writing, laughing with friends or watching movies with my husband. And then there are the purchases I will never regret: books, DVDs, my sporty little econocar, our farm, the ingredients for a superb meal. Those items provide a utility that is well worth the cost. And yes, I include pleasure as a 'utility.' Pleasure is one of the most useful things in the world. It makes you spring out of bed with energy in the morning; it makes you fall asleep with a smile on your face at night. But even pleasure should be balanced against the cost in time and purchased at bargain rates, if possible. People respond to the idea of possessions representing units of their lives in different ways. Some people redouble their efforts to earn more and so reduce the amount of time that any one purchase represents. This is a return to the traditional American dream: Work hard and prosper economically. I wish these people the best, but their choice is not mine. At this point, I find it difficult to understand why anyone would spend years at a job they don't enjoy in order to own a bigger home than they can use, especially since the upkeep absorbs more time and cash. The trade-off doesn't make sense... My choice is to earn and spend less in order to control my own time... I have called this choice 'frugality,' but some people are more comfortable with the term 'voluntary simplicity.' The point of such simplicity is not to save every possible penny. It is to ensure that your time and money are expended on your goals. Voluntary simplicity can be viewed as a 'business plan' for getting the most out of life. Ask yourself what your goals are and what is necessary to get there. Of equal importance, ask what is not necessary. Every person will have a different answer. Some of my choices, for example, seem to run counter to frugality. For one thing, I live on a 40-acre farm, not in a small apartment. The choice is odd only if you equate frugality with cheapness, however. If you equate it with spending your resources to achieve your own values, then the farm is eminently frugal. An apartment would be cheaper, but it would also impoverish my life: no dogs, no walks down a gravel road, no garden, no privacy... I look forward to my garden each spring and to cooking complicated ethnic meals so that the aromas of the world flood my kitchen. I intend to travel and experience the places that fired my fantasies as a child; someday, I will know what the stars look like in Africa and how a jungle smells. Rather than diverting time into 'useless shoes,' I intend to live. That is, after all, the purpose of freedom." - Wendy McElroy
author, lecturer and freelance writer, and a senior associate of the Laissez Faire Club. [ http://lfb.org/today/freedom-and-frugality/ ]
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[Quote No.43237] Need Area: Money > Spend
"Spending more than you earn by borrowing the balance is not sensible or sustainable. If it isn't for investing in an appreciating investment, it's like a farmer eating the seed corn held for next year's planting or a household that is feeding the fireplace with wood from the wood that built the house." - Seymour@imagi-natives.com

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[Quote No.43402] Need Area: Money > Spend
"Bounty and hospitality very seldom lead to extravagance; though vanity almost always does." - Adam Smith
(1723 - 1790), philosopher famous for writing the first book on economics, 'The Wealth of Nations'.
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[Quote No.43732] Need Area: Money > Spend
"A small part of maturity is learning the difference between wants and needs. A large part of maturity is acting on that knowledge." - Bill Emmons
Houston, Texas
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[Quote No.43911] Need Area: Money > Spend
"Gambling is the son of avarice and the father of despair." - French Proverb

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[Quote No.43998] Need Area: Money > Spend
"[The following quote goes a long way to explain the difference in self-esteem, spending behavior and style of property bought between the poor and the rich:] The poor man wishes to conceal his poverty, and the rich man his wealth: the former fears lest he be despised, the latter lest he be plundered. [The wise man, whether rich or poor, chooses the middle ground of functional humility - that of achieving the functional need at the least ostentation and cost!]" - Marie von Ebner-Eschenbach

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[Quote No.44062] Need Area: Money > Spend
"Felix qui nihil debet. ('Happy is he who owes nothing - is debt-free.')" - Roman Proverb

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[Quote No.44610] Need Area: Money > Spend
"Recognize that the inevitable responsible party [RP] is the person who bears the consequences of what is done. Because of this, the RP must choose wisely when delegating responsibilities to others, and he must incentivize and manage them appropriately. There is no escaping that. For example, you are the inevitable RP for taking care of your health because you're the one who inevitably bears the consequences. If you're sick, you might choose to delegate the responsibility of figuring out what do to about it to a doctor. However, it is your responsibility to pick the right doctor because you will bear the consequences of that decision. While it is, of course, also the doctor's responsibility to handle the responsibilities that you delegate to him, you still need to make sure that his incentives are aligned with his responsibilities and that he is doing his job well. The inevitable responsible party can't delegate all his responsibilities away and expect good outcomes, even in cases in which he has no expertise." - Ray Dalio
(1949 - ), American businessman and founder of the world's largest hedge fund, Bridgewater Associates. Quote from his book, 'Principles'. [http://www.bwater.com/Uploads/FileManager/Principles/Bridgewater-Associates-Ray-Dalio-Principles.pdf ]
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[Quote No.44829] Need Area: Money > Spend
"[A contentment, anti-consumerism mantra to be repeated regularly, especially when shopping or being exposed to commercials:] I have enough." - Lama Murat
Venerable Sumati Marut, (a.k.a. Brian K. Smith) is the son and grandson of Baptist ministers, a motorcycle enthusiast, a former surfer, a Ph.D. of Comparative Religions and a fully ordained Buddhist monk. His unique background and easy, down-to-earth style has attracted thousands of followers around the world of all ages and walks of life who gather to hear his call for a revolution of true and lasting happiness. He uses Western cultural signposts, pop references, and humor to help remove cross-cultural hurdles. He has been teaching religion for 25 years. As a Sanskrit scholar and Professor of Comparative Religions, he taught at Columbia University and the University of California, Riverside, where he is Professor Emeritus of Religious Studies. [http://lamamarut.org/about/ ]
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[Quote No.44889] Need Area: Money > Spend
"Consumerism, Happiness, and Power: The notion that increased consumption leads to increased [long-term] happiness is self-evidently false, yet consumption remains the focus of our economy and society. The appeal of consumption is understandable once we grasp that it is the only empowering act in a neofeudal society where we are essentially powerless [or at least perceive ourselves to be]. In the mindset of the consumerist [and conspicuous consumption] economy, purchasing something feels empowering because the act of consuming is experienced as renewing our sense of identity and social status. But since that identity is inauthentic, the sense of euphoric renewal is short-lived and soon defaults to the base state of insecurity. Since the consumer is only empowered by buying and displaying status signifiers, the balance of their lives is experienced as powerless Ė that is, a chronic state of social defeat. In the act of consuming, the only feature that continues on after the initial euphoria fades is the debt taken on to make the purchase. [A better approach is to develop an attitude of gratitude that things are not worse rather than to listen to the siren song of dissatisfaction from advertisers that your present situation is not as good as others, increasing your bitterness and desire to attempt to buy happiness with the latest product.]" - Charles Hugh Smith
[http://www.zerohedge.com/news/2012-10-11/guest-post-pursuit-happiness-and-sociopathology-prosperity ]
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[Quote No.44940] Need Area: Money > Spend
"Industry is fortunes right hand, and frugality its left!" - John Ray

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[Quote No.45327] Need Area: Money > Spend
"In a consumer society there are inevitably two kinds of slaves: the prisoners of addiction and the prisoners of envy." - Ivan Illich
(1926 - 2002)
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[Quote No.46250] Need Area: Money > Spend
"There are two ways to conquer and enslave a country [or a person]. One is by the sword. The other is by debt." - John Adams

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[Quote No.47107] Need Area: Money > Spend
"When you run in debt; you give to another power over your liberty." - Benjamin Franklin
(1706-1790) US Founding Father
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[Quote No.47108] Need Area: Money > Spend
"Avoid occasions of expense ... and avoid likewise the accumulation of debt not only by shunning occasions of expense but by vigorous exertions to discharge the debts, not throwing upon posterity [and our children] the burden which we ourselves ought to bear." - George Washington
(1732-1799) Founding Father, 1st US President, 'Father of the Country'
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[Quote No.47236] Need Area: Money > Spend
"One learns to itch where one can scratch. [The wise learn to desire only what they can afford.]" - Ernest Bramah
English author
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[Quote No.47379] Need Area: Money > Spend
"Words [are cheap and] pay no debts." - William Shakespeare

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[Quote No.47511] Need Area: Money > Spend
"Before buying anything, it is well to ask if one could do without it." - Sir John Lubbock

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[Quote No.48031] Need Area: Money > Spend
"...Imagine our society today without credit cards. That sounds outrageous to the debt addicted populace inhabiting our suburban wasteland and urban badlands. What is truly outrageous is the fact we have allowed ourselves [in the United States of America, but similarly in nearly every other developed economy] to be duped into $846 billion of revolving credit card debt charging an average interest rate of 13% by Wall Street bankers who have used the American Dream of a better life as the bait to lure a dumbed down easily manipulated populace into believing that material possessions purchased with high interest debt represented advancement rather than servitude. Debt accumulation is seen as a badge of honor. [Material comparison and therefore envy and the resulting competition] Keeping up with the Joneses is all that matters. Our shallow culture has no notion about the concept of deferred gratification or saving to pay for your wants. A shocking fact (to historically challenged government educated drones) revealed by the Federal Reserve data is that credit card debt did not exist prior to 1968. How could people live their lives without credit cards? It must have been a nightmare. You mean to tell me when people wanted new clothes, jewelry, a TV, or to eat out at a restaurant, they actually had to save up the cash to do so? What kind of barbaric system would make you live within your means? The Depression era adults had somehow survived for over two decades after WWII without buying cheap foreign crap they didnít need with money they didnít have using a piece of plastic with a Wall Street bank logo emblazoned on the front. 1968 marked a turning point for America. LBJís welfare/warfare state had begun the downward spiral of a once rational country. We chose guns and butter, with the bill being charged to the national credit card [Federal deficit]. It was fitting that Wall Street introduced the credit card in 1968. --ēThere were 200 million Americans in 1968 and $2 billion of credit card debt outstanding, or $10 per person. --ēBy 1980 there were 227 million Americans and $54 billion of credit card debt outstanding, or $238 per person. --ēBy 1990 there were 249 million Americans and $230 billion of credit card debt outstanding, or $924 per person. --ēBy 2000 there were 281 million Americans and $650 billion of credit card debt outstanding, $2,313 per person. --ēBy July of 2008 credit card debt outstanding peaked at $1.022 trillion and the population was 304 million, with credit card debt per person topping out at $3,361 per person. Over the course of 40 years, the population of this country grew by 52%. Credit card debt grew by 51,000%. Credit card debt per person grew by 33,600%. This was a case of credit induced mass hysteria and it continues today. Have the American people benefitted from this enslavement in chains of debt? Iíd venture to answer no. ..." - Jim Quinn
[http://www.zerohedge.com/news/2013-11-10/guest-post-subprime-final-solution ]
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[Quote No.48345] Need Area: Money > Spend
"When you go to buy, use your eyes not your ears." - Czech Proverb

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[Quote No.48432] Need Area: Money > Spend
"If we want to be wise about money we should resist the impulse to follow our desires and concentrate instead on getting what we need. Need is deeper ó bound up with the serious narrative of oneís life. 'Do I need this?' is a way of asking: how important is this thing, how central is it to my becoming a good version of myself; what is it actually for in my life? This interrogation is designed to distinguish needs from mere wants. And thatís a good distinction to make. " - John Armstrong
Melbourne Business School philosopher-in-residence. Quote from his book, 'How to Worry Less about Money'.
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[Quote No.48519] Need Area: Money > Spend
"The cost of a thing is the amount of what I call life which is required to be exchanged for it, immediately or in the long run." - Henry David Thoreau
(1817 - 1862) American Author
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[Quote No.48678] Need Area: Money > Spend
"He is rich who owes nothing. " - Hungarian Proverb

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[Quote No.48719] Need Area: Money > Spend
"There is no dignity quite so impressive, and no one independence quite so important, as living within your means." - Calvin Coolidge
U.S. President
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[Quote No.48994] Need Area: Money > Spend
"Donít buy stuff you donít need." - Unknown 90 year old
[http://www.stumbleupon.com/su/1uDuXi/:1EEwECGq4:ePV!Xi.S/kangalex.com/post/31729006624/45-life-lessons-written-by-a-90-year-old/ ]
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[Quote No.49068] Need Area: Money > Spend
"Nature uses as little as possible of anything. [It also makes sense for humans to economise.]" - Johannes Kepler
German mathematician and astronomer
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[Quote No.49191] Need Area: Money > Spend
"Nowadays, people know the price of everything and the value of nothing." - Oscar Wilde

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[Quote No.49638] Need Area: Money > Spend
"Spend what is left after saving [rather than vice versa]." - Warren Buffett
One of the richest men in the world.
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