Five quotes that will help you with your personal finances

Throughout history, several figures and characters advised us not to overspend and to focus on saving money for the future. That is why we selected five quotes with the objective of helping you understand how your personal finances work and how to boost them up.  


This must be your rule number one. Spending money you don't have yet, means getting into debt, and that's the worst mistake you can make. The more debt, the more trouble and worry you'll have. Debt affects more than just your financial well-being; having money problems can also affect your physical and emotional health, which is why it’s important that you understand how to control your spendings.

Financial planning is the most effective method for keeping your accounts in order, and for good money management. But the important thing is to stick to it. If you don't maintain discipline and order, you may inadvertently find yourself in an increasingly difficult debt situation.

Perhaps this means that when you receive the income you expect, you can't prioritize things that are important, like your savings, because you have many other past obligations that you accumulated by spending money you didn't have yet. And the feeling that the money is not enough for you, is a very uncomfortable one.

Creating a plan will help ease the mental and emotional burden, while also giving you the hope and motivation you need to become financially free. With a plan in place, you’ll feel an immense sense of relief knowing that there is a light at the end of the tunnel and that you’re taking the necessary steps to reach it.

"MONEY OFTEN COSTS TOO MUCH" - Ralph Waldo Emerson

Money is one of the things that moves the world. If there's something that everyone wants and needs, that connects everyone in a common interest, it is money. It's a necessity. It enables you to have the basics (at minimum) of what you need to survive. The better you are at earning, saving, growing, and protecting our money, the chances are greater that you will have a more comfortable lifestyle and ultimately a more powerful, influential, and significant impact on your family and the people you come in contact with every day.

It's because of the importance it holds, that money can become a weapon of great power. It implies a lot of effort to obtain it, with work, organization, strategy, analysis, everything that needs to be studied in order to multiply it and lead you straight to getting rich, all these aspects give it a value beyond a simple number that it seems to be.

Instead of seeing the positive ways that money can enhance the most important things in life like our health, family relationships, and friendships, most people would rather scorn money and tell you how it can destroy the things we hold closest to our hearts.

Don't listen to negative people who don't know any better. The truth is, money is not the most important thing in life, but it will do the most important things in life so much better.

So it should not cost your soul, relationships, dignity, health, intelligence, or joy in the simplest things in life. Those that prevent that from happening and truly align their values with their money have the strongest sense of personal wealth and well-being. Those are the real reasons money is so important.


Debts can become a very dangerous weapon for yourself. By accumulating them, they can become a huge problem and a difficult concern to bear. If you think about it, debts are the huge result of an income you might not really have, because they are expenses made with money that is not in your hands yet.

There’s something about the debt that tempts you to keep spending even when you can't afford the payments. Part of the allure of debt is the fact that you can get the emotional high from getting new things now, without having to deal with the immediate pain of parting with money. It can feel like you’re getting something for nothing. But eventually, that spending will catch up with you, and it won't feel so good then.

This could cause you to feel like you're working too hard, and not getting any results. Because your income is committed long before you have it, and you don't have any space left to invest the money in a more productive way, just the feeling that it is fading away in your hands.

Using your credit wisely is the best way to avoid debt. Look for some tips and resources that will teach you how to get out of debt and incorporate smart habits into your spending routine.


Money is important because having money means that life is not a constant effort at keeping your head above the water. Having money enables you to live life to the fullest, enjoy adventures and textures and tastes. It’s important because it enables you to have more control over your life, more freedom to carve out your own path, and fewer constraints on your choices.

What money can do for you is what is really important. You can decide where and how you want to live when you have a good income or financial resources. On the other hand, when you do not have much money, choice may be something that you cannot afford.

Earning more money can mean you have more choices, but it does not guarantee you will make the right choices or prudent choices so you still need to understand the concepts of saving, spending, investing and sharing. If you want to spend more, save more, invest more or give more to others, you have to earn more. 

Of course, the more money you earn, the more chances you have to ensure all these things, but that's not enough, you have to keep projecting yourself to get more, and do so with wisdom and intelligence. Learning everything you can about personal finances will help you a lot to make the best decisions, and after a while, you won't have a chance to count your money...


A little debt won’t hurt, will it? That’s how it starts. You make a small purchase on your credit card and then before you know it, you're thousands of dollars in debt, and "when you get in debt you become a slave". The best way to avoid never-ending pressure from creditors to repay overdue bills is to not let the bills become overdue in the first place, or better yet, to avoid getting into debt at all (to the extent possible). 

After one time, debt can easily become a recurring habit in your life, and that's what you should avoid. If we adapt to certain good habits that help us increase our income each time instead of making it decrease, we will see an incredible result in our personal finances.

When you have a lot of debts, it’s hard not to worry about how you’re going to make your payments or how you’ll keep from taking on more debt to make ends meet. The stress from debt can lead to mild to severe health, and the deeper you get into it, the more likely it is that you will face health complications.

See also: "Five quotes about the importance of money saving"

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