Keep out of debt

"The rich rules over the poor, and the borrower is servant to the lender. "- Proverbs 22:7

Many people are one paycheck away from bankruptcy because they have no savings and spend every dime they make. If you're servicing debt you don't have any money for yourself and your family! You are then working whole life not for yourself and your family but for the bank.


Below is an advice from Warren Buffet, the second richest man in the world.

“Stay away from credit cards and invest in yourself and remember:

1. Money doesn’t create man; it is the man who created money.
2. Live your life as simple as you are.
3. Don’t do what others say, just listen to them, but do what you feel good.
4. Don’t go for brand name; just wear those things in which you feel comfortable.
5. Don’t waste your money on unnecessary things; just spend on those who really are in need.
6. After all it’s your life so why give chance to others to rule your life.”

Your discipline today will govern you tomorrow. Do you agree?

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Rich Yet Poor

An Arab, losing his way in the desert, was in danger of dying from hunger. At last he found one of the cisterns out of which the camels drink and a little leather bag near it. "God be thanked!" exclaimed he. "Ah, here are some dates or nuts; let me refresh myself." He opened the bag, but only to turn away in disappointment. Alas, they were only pearls, and what good were they to a man who was dying of hunger?

Was this man rich or poor? He was rich yet poor.

(Source: e-Sword Bible Illustration)

"The amount of money you have has got nothing to do with what you earn.. people earning a million dollars a year can have no money and.. People earning $35,000 a year can be quite well off. It's not what you earn, it's what you spend." - Paul Clitheroe

"Becoming wealthy is not a matter of how much you earn, who your parents are, or what you do.. it is a matter of managing your money properly". - Noel Whittaker

Indeed, there are people so poor that the only thing they have is money. May we learn to live richly instead of die with riches!

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Live richly instead of die with riches!

"If you want to feel rich, just count the things you have that money can't buy"

Everybody want to be rich thinking that money can bring happiness! It does bring happiness but only temporary.

According to Benjamin Franklin, "Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one."

Many might agree that Money is indeed not the most important thing in the world. Unfortunately, many still love money. Have you heard the saying "In God we trust, all others must pay cash?"

“Money will buy you a fine dog, but only love can make it wag its tail” - Richard Friedman

"There are people so poor that the only thing they have is money."

"Money can't buy friends, but it can get you a better class of enemy." - Spike Milligan

"Money often costs too much." - Ralph Waldo Emerson

Those who believe money can do everything are frequently prepared to do everything for money. Well, would you rather live richly or die with riches?

Photo 1 by Minimalist taken from this source
Photo 2 by tigerweet taken from this source

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Be contented with what you have

"That man is the richest whose pleasures are the cheapest."

"A contented mind is the greatest blessing a man can enjoy in this world." - Joseph Addison

“He who is contented is rich”- Lao Tzu

“Contentment is not the fulfillment of what you want, but the realization of how much you already have.”

The secret of contentment is knowing how to enjoy what you have, and to be able to lose all desire for things beyond your reach. - Lin Yu-t'ang

"It is right to be contented with what we have, but never with what we are." - James Mackintosh

The bible tells us in 1 Timothy 6:6-8 (NKJV)

"Now godliness with contentment is great gain. For we brought nothing into this world, and it is certain we can carry nothing out. And having food and clothing, with these we shall be content.

Photo by eyeore2710 taken from this source

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Don't let money become your master

“It's good to have money and the things that money can buy, but it's good, too, to check up once in a while and make sure that you haven't lost the things that money can't buy.” - George Lorimer

“Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.” - Benjamin Franklin

"A life lived only for money is a lonely life."

“The art is not in making money, but in keeping it”

"Money does not change people, it only unmasks them." - Angelo Riccoboni

"The test is not how much money you have. The test is who you become when you have it."

"What we have to get straight in our heads is that owning the money doesn’t mean anything. It’s the doing with money that develops us - it’s not in the having. And when you have more, you’re enabled to do more." - Jack Canfield

“Money will come when you are doing the right thing.” - Mike Phillips

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Learn to save money

If you didn't learn to save money before you finished high school, a vital part of your education was wasted.

“A penny saved is a penny earned.” - Benjamin Franklin

The habit of saving is in itself one of the most practical of all educations. it develops discipline, foresight, planning, industry, patience, thinking, and even intelligence.

Save money regularly. If you're average, you'll have some excuse for postponing until you earn more. That's why you're average. Any you'll stay average until you start saving, NO MATTER HOW LITTLE YOU EARN.

In good times, prepare for bad times. In bad times remember the good times. - Ron Kaufman

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Who is really charitable?

No man is so poor as to have nothing worth giving.

“Lots of people think they're charitable if they give away their old clothes and things they don't want.” - Myrtle Reed

"Not he who has much is rich, but he who gives much."

“True charity is the desire to be useful to others without thought of recompense” - Emanuel Swedenborg

"Blessed are those who can give without remembering, and take without forgetting."

"Seek joy in what you give; not in what you get."

“The manner of giving is worth more than the gift.” - Pierre Corneille

"It's not how much we give but how much love we put into giving." - Mother Teresa

The Bible tell us how to do good in Matthew 6:1-4 (NKJV) -

"Take heed that you do not do your charitable deeds before men, to be seen by them. Otherwise you have no reward from your Father in heaven. Therefore, when you do a charitable deed, do not sound a trumpet before you as the hypocrites do in the synagogues and in the streets, that they may have glory from men. Assuredly, I say to you, they have their reward. But when you do a charitable deed, do not let your left hand know what your right hand is doing, that your charitable deed may be in secret; and your Father who sees in secret will Himself reward you openly."

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True Wealth

A man's true wealth is the good he does in this world.

"It is not what we take up, but what we give up, that makes us rich." - Henry Ward Beecher

To be wealthy, aim for more than just money.

You aren't wealthy until you have something money can't buy. - Garth Brooks

If we're not rich, it's our duty to make all the money we can without sacrificing the things more important than money, self-respect, peace of mind, honor, and the rights of others.

We must strive to be excel in making a life and not just making a living - making money.

The Bible gave instructions to the rich in 1 Timothy 6:18-19 - "Let them do good, that they be rich in good works, ready to give, willing to share, storing up for themselves a good foundation for the time to come, that they may lay hold on eternal life."

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Remember to Serve and Give

“The value of a man resides in what he gives and not in what he is capable of receiving.” - Albert Einstein

He who takes but never gives, may last for years but never lives. Abundant giving brings abundant living. Only one life, 'twill soon be past. Only what's done for others, will last.

Not what we take up, but what we give up, makes us independent.

We make our living by what we get; our life by how we serve and give.

The Bible in Act 20:35 (NKJV) tells us that Jesus said "... It is more blessed to give than to receive."

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Needs and Wants

Failing to distinguish between the needs and wants keeps many people poor.

A surplus of wants is oftener the cause of poverty than a shortage of income. Many remain poor because they can't resist buying things they don't need.

He is poor - however much he earns - if his expenses exceed his income.

It's tough being poor, but not as tough as being in debt.

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Think and Grow Rich

The average person could increase his income 20% by increasing his thinking 1%. One percent of your day is 14 minutes. Is that too much time to spend to increase your income 20%? Every day ask yourself: What one thing can I do today to increase my income? Asking yourself a question impels you to think to find the answer.

With every rising of the sun, think of your life as just begun. A strong conviction spurs the mind to think up ways to get the thing done.

No matter how hard times are some are getting rich. Think. Why?

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Value of Money

If you want to know the value of money, try borrowing some.

A man with money controls circumstances; without money, they control him.
Money is the seed of money. The second million comes easier than the first fifty thousand.

Acting rich keeps people poor. Many people could live on what they waste.

The darkest day in our lives is when we plan to get money without working.

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