Quotes on Debt – Part 1     The only man who sticks closer to you in adversity than a friend is a creditor.  ~Author Unknown Who goeth a borrowing, Goeth a sorrowing. ~Thomas Tusser Before borrowing money from a friend, decide which you need most.  ~American Proverb In God we trust; all others must […]

But I Have Worked So Hard!   Of course, you think you have worked hard and deserve some extras, and perhaps you do – but don’t!  Now is the time to say no and now is the time to give up the extra things you purchase that make you feel good.    Will some of […]

Build a Huge Nest Egg     You can build a huge nest egg for your later years simply by living below your means.  Does it mean driving a car that should be abandoned in a junkyard?  Not really.  Does it mean eating oatmeal seven days a week and drinking only water?  Not really, but […]

Credit Cards Are the Norm   In our culture, credit purchases are the norm.  Often, before an item has been paid for, it has been discarded.  If you think you must have it all now or you cannot be happy, a paradigm shift must be made in your thinking.    In our culture, going in […]

Baron Lytton on Debt     “Debt is to man what the serpent is to the bird; its eye fascinates, its breath poisons, its coil crushes sinew and bone, its jaw is the pitiless grave.” ”Man hazards the condition and loses the virtues of freeman, in proportion as he accustoms his thoughts to view without […]