"Too many people spend money they earned..to buy things they don't want..to impress people that they don't like." - Will Rogers
"Frugality includes all the other virtues". - Cicero
"An investment in knowledge pays the best interest." - Benjamin...
“I don't know which I hate most my bills or the money I pay them with...”
"Nine tenths of education is encouragement." - Anatole France
"Correction does much, but encouragement does more." - Johann Wolfgang von Goethe
"When you encourage others, you in the process are encouraged because you're making a commitment...