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  Quotations - Spend  
[Quote No.49697] Need Area: Money > Spend
"[Materialists are less happy partly because they have difficulty being grateful for what they have:] As we amass more and more possessions, we donít get any happier, we simply raise our reference point [i.e. what we compare our possessions, life, etc., with. If we compare it to something better we feel bad and bitter, but if we compare it to something worse we feel good and grateful]. That new 2,500-square-foot house becomes the baseline for your desires for an even bigger house [as we get used to it and start to take it for granted]. Itís called the 'Treadmill of Consumption'. We continue to purchase more and more stuff but we donít get any closer to happiness, we simply speed up the treadmill. [A society with an economy based on consumerism and conspicuous consumption cannot allow people to feel satisfied for long for fear of GDP and employment dropping along with the perceived 'standard of living' - perhaps then even inciting political unrest. So one of the jobs of advertising is to spread knowledge of the newer, better, bigger, more expensive, more prestigious, etc., things and experiences that by comparison makes what we have seem less and so we can become dissatisfied with our present situation and set the goal to acquire the advertised thing in order to 'respect and admire' ourselves and be satisfied and happy again!!! This is one side of a free society and a free market economy. The other side is that each individual can choose for themselves what best suits their different needs, desires, priorities and resources. For the self-disciplined person who understand the power of comparison to both create dissatisfaction inspiration or contented gratitude, the continual improvement in quality and quantity of choice in a free society is a boon.]" - Dr. James Roberts
a marketing professor at Baylor University. Quoted in July 2014 issue of the journal 'Personality and Individual Differences'. [http://www.fastcompany.com/3029362/how-being-grateful-can-change-your-life ]
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[Quote No.50484] Need Area: Money > Spend
"If you want better service, try thanking people every time they do something for you. It takes a half second." - Alan Weiss
the 'Millionaire Consultant'.
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[Quote No.50567] Need Area: Money > Spend
"The philosophy of the rich and the poor is this: the rich invest their money and spend what is left. The poor spend their money and invest what is left!" - Robert Kiyosaki

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[Quote No.50591] Need Area: Money > Spend
"The wealthy buy luxuries last, while the poor and middle-class tend to buy luxuries first. Why? [The wealthy have] Emotional discipline." - Robert Kiyosaki

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[Quote No.50732] Need Area: Money > Spend
"If we want something, we should pay for it, with our labor or our cash. We shouldn't beg it, steal it, sit around wishing for it, or euchre the government into taking it by force." - P.J. O'Rourke
All the Trouble in the World, 1994.
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[Quote No.51213] Need Area: Money > Spend
"...it is very important to consistently underspend your income, especially when starting a career!" - Charlie Munger
Self-made billionaire
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[Quote No.51275] Need Area: Money > Spend
"Do not save what is left after spending, but spend what is left after saving!" - Warren Buffett
Self-made billionaire and richest man in the world in 2008.
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[Quote No.51417] Need Area: Money > Spend
"Seven Cures for a Lean Purse:- -1 Start thy purse to fattening [save]; -2 Control thy expenditures [spend wisely]; -3 Make thy gold multiply [invest]; -4 Guard thy treasures from loss [be wary of risk and use diversification and insurance]; -5 Make of thy dwelling a profitable investment; -6 Insure a future income [passive income and superannuation]; -7 Increase thy ability to earn [keep learning and taking more responsibilities]! " - George Samuel Clason
This is a quote from the book, 'The Richest Man in Babylon' he wrote. It dispenses financial advice through a collection of parables set in ancient Babylon. Through their experiences in business and managing household finance, the characters in the parables learn simple lessons in financial wisdom. Originally, a series of separate informational pamphlets distributed by banks and insurance companies, the pamphlets were bound together and published in book form in 1926.
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[Quote No.51517] Need Area: Money > Spend
"[If you have a choice] Do not hire a man who does your work for money, but him who does it for love of it!" - Henry David Thoreau
(1817 - 1862) American Author
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[Quote No.51938] Need Area: Money > Spend
"'Buy now and pay later' is the catch-phrase of the short-sighted fool and the ne'er-do-well spendthrift. The wise curtail their present wants to their present means and only buy now what they can pay for now in saved cash, except when investing in an appreciating asset below its intrinsic value and with sustainable cash-flow that amply covers all carrying costs, even significantly higher interest rates." - Seymour@imagi-natives.com

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[Quote No.52783] Need Area: Money > Spend
"3. Never spend your money before you have it. 4. Never buy what you do not want, because it is cheap; it will be dear to you. 5. Pride costs us more than hunger, thirst and cold." - Thomas Jefferson
From 'Thomas Jefferson's Decalogue For The Practical Life'. Found in a letter from him at his home 'Monticello', dated February 21, 1825.
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[Quote No.52849] Need Area: Money > Spend
"[Always remember that there is nearly always enough for what we truly need if we abstain from greed:] We are ruined not by what we really want, but by what we think we do. " - Charles Caleb Colton
(1780 - 1832) English clergy
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[Quote No.52850] Need Area: Money > Spend
"Not to have a mania for buying, is to possess a revenue. [i.e. 'A penny saved is (the same as) a penny earned!']" - Cicero

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[Quote No.52851] Need Area: Money > Spend
"Hunger, rags, cold, hard work, contempt, suspicion, unjust reproach, are disagreeable, but debt is infinitely worse than them all." - Horace Greeley

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[Quote No.52853] Need Area: Money > Spend
"Every man is needy who spends more than he has; no man is needy who spends less." - Edward George Bulwer-Lytton
(1803 - 1873) English novelist
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[Quote No.52877] Need Area: Money > Spend
"[Poem: about the great joy of many simple, inexpensive, easy, natural things. Contrary to most advertising, expensive things are not necessary to be happy, but they are sold as exclusive luxury making the irrational and patently false claims that only those things will bring you that happiness and without those things somehow you are less 'important or valuable' as a person.]

'I Have Found Such Joy'

I have found such joy in simple things;
A plain, clean room, a nut-brown loaf of bread
A cup of milk, a kettle as it sings,
The shelter of a roof above my head,
And in a leaf-laced square along the floor,
Where yellow sunlight glimmers through a door.

I have found such joy in things that fill
My quiet days: a curtain's blowing grace,
A potted plant upon my window sill,
A rose, fresh-cut and placed within a vase;
A table cleared, a lamp beside a chair,
And books I long have loved beside me there.

Oh, I have found such joys I wish I might
Tell every woman who goes seeking far
For some elusive, feverish delight,
That very close to home the great joys are:
The elemental things -- old as the race,
Yet never, through the ages, commonplace.

" - Grace Noll Crowell

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[Quote No.53194] Need Area: Money > Spend
"Just as greed lead to need, extravagance leads to ruin! " - Unknown

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[Quote No.53298] Need Area: Money > Spend
"[Spending beyond our means for the 'Tyranny of Things' was being commented on in 1893 and again in 1914:] The trouble seems to be with very many of us, in contemporary private life as well as in institutions, that the enlightened experience of the day invents more necessaries than we can get the money to pay for. Our opulent friends are constantly demonstrating to us by example how indispensably convenient the modern necessaries are, and we keep having them until we either exceed our incomes or miss the higher concerns of life in the effort to maintain a complete outfit of its creature comforts." - Edward Sandford Martin
(1856-1939), a Harvard graduate and a founder of the Harvard Lampoon, he was brought on as Life magazineís first literary editor. [http://www.newworldencyclopedia.org/entry/life_(magazine) ] Quote from his essay 'The Tyranny of Things', which was first published in 1893 and later published in 'The Oxford Book of American Essays', Matthews, Brander, ed. (1852Ė1929), published 1914.
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[Quote No.53651] Need Area: Money > Spend
"The gratification of wealth is not found in mere possession or in lavish expenditure, but in its wise application." - Miguel de Cervantes

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[Quote No.53774] Need Area: Money > Spend
"[Here are the thirteen virtues that Benjamin Franklin set for himself throughout his life, in his own words, plus his added commentary, as he defined them in 1741 and wrote them in his autobiography for the edification and emulation of his children and those who read his autobiography:] --- Temperance. Eat not to dullness; drink not to elevation. --- Silence. Speak not but what may benefit others or yourself; avoid trifling conversation. --- Order. Let all your things have their places; let each part of your business have its time. --- Resolution. Resolve to perform what you ought; perform without fail what you resolve. --- Frugality. Make no expense but to do good to others or yourself; i.e., waste nothing! --- Industry. Lose no time; be always employ'd in something useful; cut off all unnecessary actions. --- Sincerity. Use no hurtful deceit; think innocently and justly, and, if you speak, speak accordingly. --- Justice. Wrong none by doing injuries, or omitting the benefits that are your duty. --- Moderation. Avoid extreams; forbear resenting injuries so much as you think they deserve. --- Cleanliness. Tolerate no uncleanliness in body, cloaths, or habitation. --- Tranquillity. Be not disturbed at trifles, or at accidents common or unavoidable. --- Chastity. Rarely use venery but for health or offspring, never to dulness, weakness, or the injury of your own or another's peace or reputation. --- Humility. Imitate Jesus and Socrates." - Ben Franklin
From his book, 'The Autobiography of Benjamin Franklin'.
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[Quote No.54847] Need Area: Money > Spend
"The more we desire for that which is superfluous, the more we meet with difficulties; our strength and possessions are spent in unnecessary things, and are wanting when required for that which is necessary." - Maimonides
(1135 - 1204)
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[Quote No.55720] Need Area: Money > Spend
"Planning ahead is a measure of class [role-modelling, expectations and aspirations]. The rich and even the middle class plan for future generations, but the poor can plan ahead only a few weeks or days. [Planning or the lack of it is , to a large degree, both the cause and the result of a person's situation. Financial planning and budgeting is an important part of all planning!]" - Gloria Steinem

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[Quote No.55960] Need Area: Money > Spend
"Felix qui nihil debet. [Latin for 'Happy is he who is without debt'.]" - Roman Proverb

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[Quote No.56055] Need Area: Money > Spend
"Retirement is like a long vacation in Las Vegas. The goal is to enjoy it to the fullest, but not so fully that you run out of money." - Jonathan Clements

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[Quote No.56193] Need Area: Money > Spend
"Wars in old times were made to get slaves. The modern implement of imposing slavery is debt." - Ezra Pound
(1885-1972) American poet. Quote from March 25, 1943.
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[Quote No.56758] Need Area: Money > Spend
"A man's wealth must be determined by the relation of his desires and expenditures to his income! If he feels rich on ten dollars, and has everything else he desires, he really is rich." - John D. Rockefeller

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[Quote No.57273] Need Area: Money > Spend
"But what madness must it be to run in debt for these superfluities! We are offered, by the terms of this vendue, six months' credit; and that perhaps has induced some of us to attend it, because we cannot spare the ready money, and hope now to be fine without it. But, ah, think what you do when you run in debt; you give to another power over your liberty. If you cannot pay at the time, you will be ashamed to see your creditor; you will be in fear when you speak to him, you will make poor pitiful sneaking excuses, and by degrees come to lose you veracity, and sink into base downright lying; for, as Poor Richard says, the second vice is lying, the first is running in debt. And again to the same purpose, lying rides upon debt's back." - Benjamin Franklin
(1706-1790) US Founding Father. Source: 'The Way to Wealth' (1758).
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[Quote No.57274] Need Area: Money > Spend
"Your creditor has authority at his pleasure to deprive you of your liberty, by confining you in gaol [jail] for life, or to sell you for a servant, if you should not be able to pay him! When you have got your bargain, you may, perhaps, think little of payment; but creditors, Poor Richard tells us, have better memories than debtors, and in another place says, creditors are a superstitious sect, great observers of set days and times. The day comes round before you are aware, and the demand is made before you are prepared to satisfy it. Or if you bear your debt in mind, the term which at first seemed so long, will, as it lessens, appear extremely short. Time will seem to have added wings to his heels as well as shoulders." - Benjamin Franklin
(1706-1790) US Founding Father. Source: 'The Way to Wealth' (1758).
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[Quote No.57484] Need Area: Money > Spend
"Another thing that does one in, of course, is the self-serving bias to which we're all subject. You think the 'True Little Me' is entitled to do what it wants to do. And, for instance, why shouldn't the True Little Me overspend my income. There once was a man who became the most famous composer in the world but was utterly miserable most of the time, and one of the reasons was because he always overspent his income. That was Mozart. If Mozart can't get by with this kind of asinine conduct, I don't think you should try." - Charlie Munger
Lawyer and investor. From his USC Law Commencement Speech, May 2007.
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[Quote No.57855] Need Area: Money > Spend
"Whoever does not respect the cent is not worthy of the dollar." - Saying

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[Quote No.58206] Need Area: Money > Spend
"I am convinced, both by faith and experience, that to maintain oneself on this earth is not a hardship but a pastime, if we will live simply and wisely." - Henry David Thoreau

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[Quote No.59042] Need Area: Money > Spend
"Every time you spend money, you're casting a vote for the kind of world you want. " - Anna Lappe
Sheís an author and educator, known for her work as an expert on food systems and as a sustainable food advocate.
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[Quote No.60101] Need Area: Money > Spend
"[Minimalism and voluntary simplicity:] 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

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[Quote No.60130] Need Area: Money > Spend
"Spend less than you earn. Thirty percent less if you can manage. Most people get a job and immediately spend their income on a car loan, high rent or a large mortgage, buying possessions and eating out using credit cards. None of that is necessary. Don't spend it if you don't have it. Learn to go without, and be happy with less. Put away some of your income to grow with the power of compound earnings. Your future self will thank you." - Leo Babauta

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[Quote No.60147] Need Area: Money > Spend
"[Minimalism and voluntary simplicity:] Whenever you feel the pull of consumerism [i.e. - you are enticed by an advertisement or sales pitch], simply ask yourself...'What might I be able to do if I didn't make this purchase?' [Because, while there are benefits, also...] Every purchase contains an opportunity cost. The question, 'But what if I don't?', forces us to recognize and articulate it [so you can better understand and prioritise what you really value and need to be happy and fulfilled]. " - Joshua Fields Millburn
Advocate for minimalist lifestyle. [Refer http://www.theminimalists.com/about/ ]
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[Quote No.60172] Need Area: Money > Spend
"Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are." - James W. Frick

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[Quote No.60277] Need Area: Money > Spend
"Saving money is a huge stress reducer. The best thing a savings or investment account can provide is peace of mind. It's never fun to shell out money for house or car repairs or health-care expenses, but it can take the stress level down a few notches when you realize that you have some savings in the bank that can act as a backstop when things invariably go wrong!" - Ben Carlson
He is a money manager at Ritholtz Wealth Management. [http://awealthofcommonsense.com/2016/08/10-money-revelations-in-my-30s/ ]
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[Quote No.60278] Need Area: Money > Spend
"Negotiating is an underrated money skill. I'm by no means an expert negotiator, but simply asking people and businesses for a break on price can go a long way. You don't have to wait until you're haggling for a car to negotiate either. There are plenty of different businesses that are willing to haggle on price ó credit card companies, insurance providers, cable companies, banks, retailers, etc. The worst that can happen when you ask for a break on prices or fees is that someone will say no." - Ben Carlson
He is a money manager at Ritholtz Wealth Management. [http://awealthofcommonsense.com/2016/08/10-money-revelations-in-my-30s/ ]
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[Quote No.60575] Need Area: Money > Spend
"Minimalism is the intentional promotion of the things we most value and the removal of everything that distracts us from it. It requires a conscious decision because it is a countercultural lifestyle that stands against the culture of overconsumption that surrounds us." - Joshua Becker
[Refer http://www.becomingminimalist.com/inspiring-simplicity-1016/ ]
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[Quote No.60859] Need Area: Money > Spend
"A huge 65% of millennials say that impulse shopping is their biggest budgeting downfall. Rather than take an all-or-nothing approach to shopping, which is sure to end in disaster, pledge to stagger your purchases. If you're tempted to splurge on a new bag, screenshot the item and give yourself one month to think about it. By making yourself wait to buy the item, you'll minimise unnecessary impulse buys and will start shopping with purpose." - Sophie Miura
[http://www.mydomainehome.com.au/how-to-save-to-travel ]
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[Quote No.60965] Need Area: Money > Spend
"[Style and appearance versus substance and content: Be sceptical, ask questions and believe only to the degree of proof available or else you will become one of the easily fooled majority:- ...] For the great majority of mankind are satisfied with appearances, as though they were realities, and are often more influenced by the things that seem than by those that are." - Niccolo Machiavelli
(1469-1527) Italian Statesman and Political Philosopher. Source: Discourses, 1513-1517.
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[Quote No.61229] Need Area: Money > Spend
"A great part of a person's need for money comes from his demand for status. Because he wants the admiration of others, he feels a need for expensive clothing and a fancy home [car, boat, possessions, holidays, etc]. A person who gives up his demand for approval will be able to clarify for what his actual needs are, and save himself from needless toil and suffering!" - Rabbi Zelig Pliskin
Quote from his book, 'Gateway to Happiness', p.278.
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[Quote No.61466] Need Area: Money > Spend
"To live is to choose! But to choose well, you must know who you are and what you stand for, where you want to go and why you want to get there." - Kofi Annan

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[Quote No.61497] Need Area: Money > Spend
"Choose such pleasures as recreate much, and cost little! " - Thomas Fuller

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[Quote No.61510] Need Area: Money > Spend
"[Minimalism: know what you value and don't waste resources:-] Advertising has us chasing cars and clothes, working jobs we hate so we can buy shit we don't need." - Chuck Palahniuk
Spoken by the character Tyler Durden in the book and movie by Chuck Palahniuk, 'Fight Club'.
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[Quote No.61513] Need Area: Money > Spend
"[Humility, frugality and minimalism:-] There is no dignity quite so impressive, and no one independence quite so important, as living within your means. " - Calvin Coolidge
30th President of the United States
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[Quote No.61575] Need Area: Money > Spend
"The price of anything is the amount of life [i.e. - time at work] you exchange for it!" - Henry David Thoreau

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[Quote No.61587] Need Area: Money > Spend
"[Be a 'Frugal Hedonist' who] ... opts for ditching some pricier habits and lifestyle expectations in favour of less stress. ... focus ... spending where it provides maximum bang per buck, and become connoisseurs of free [especially natural] pleasures!" - Annie Raser-Rowland and Adam Grubb
Quote from their book, 'The Art of Frugal Hedonism: A Guide to Spending Less While Enjoying Everything More Paperback', published 2017. [Refer https://www.frugalhedonism.com/ ]
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[Quote No.61590] Need Area: Money > Spend
"[Minimalism and voluntary simplicity:] Those desires that do not bring pain if they are not satisfied are not necessary [and are luxuries]; and they are easily thrust aside whenever to satisfy them appears [expensive in life, time, effort or money, etc.,] difficult or likely to cause injury." - Epicurus

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[Quote No.61810] Need Area: Money > Spend
"Our necessities are few, but our wants are endless!" - George Bernard Shaw

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