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"If medical science continues to
prolong life, some of us may eventually pay off the mortgage."
—Jonathan Pond
"If the American people only
understood the rank injustice of our money and banking system, there
would be a revolution before morning."
—Andrew Jackson
"It saves a lot of trouble if,
instead of having to earn money and save it, you can just go and
borrow it."
—Winston Churchill
"O money, money, money. I'm not necessarily one
of those who think thee holy, but I often stop to wonder how thou canst go out
so fast when thou comest in so slowly."
—Ogden Nash
"There is no class of people in the
world, who have such good memories as creditors."
—P.T. Barnum
"I have never been in a situation where having money made it
worse."
—Clinton Jones
"Develop success from failures.
Discouragement and failure are two of the surest stepping stones to
success."
—Dale Carnegie, author
"The way to learn to do things is to
do things. Success teaches how to succeed. Begin with determination
to succeed, and the work is half done already."
—Mark Twain
"Money doesn't always bring
happiness. People with ten million dollars are no happier than
people with nine million dollars."
—Hobart Brown
"The greatest discovery is that
a human being can alter his life by altering his attitudes of
mind."
—William James
"It's God's will for you to live in
prosperity instead of poverty. It's God's will for you to pay your
bills and not be in debt."
—Joel Osteen
"I am a great believer in luck,
and I find the harder I work, the more I have of it."
—Thomas Jefferson
"One can pay back the loan of gold,
but one dies forever in debt to those who are kind."
—Malayan Proverb
"When written in Chinese, the
word 'crisis' is composed of two characters. One represents danger
and the other represents opportunity."
—John F. Kennedy
"A bank is a place where they
lend you an umbrella in fair weather and ask for it back when it
begins to rain."
—Robert Frost
"Life is like riding a bicycle. To
keep your balance you must keep moving."
—Albert Einstein
"If you have a computer, then you
should be using financial software."
—Scott Bilker
"Be sure you know a person well
before you vouch for his credit. Better refuse than to suffer
later."
—Proverbs 11:15 (The Living Bible, Tyndale House Publishers,
1971)
"When the student is ready the
teacher will appear."
—Buddhist proverb
"A day of worry is more exhausting
than a week of work."
—Fortune Cookie
"You feel stuck with your debt if you
can't budge it."
—Unknown
"The only way to beat the banks is to
make them fight for your business!"
—Scott Bilker
"Divorce sucks. Let me tell you,
after five years of marriage for me it is devastating to have the
person with the good credit move out."
—Rich Vos, comedian
"Before deciding what you want to do,
I would ask how you want to live."
—Scott Bilker
"There's a fine line between, 'oh,
that's cute' and 'I have to have that now.'"
—Larissa S. Bilker
"It is well to be up before daybreak,
for such habits contribute to health, wealth, and wisdom."
—Aristotle
"Creating a budget is much easier
than sticking to one."
—Scott Bilker
"Never use the word 'can't' because you can, you just haven't
done it yet."
—Grandmaster Art Beins
"Only those who dare to fail greatly,
can ever achieve greatly."
—Robert F. Kennedy
"I'll gladly pay you Tuesday for a
hamburger today."
—Wimpy in Popeye
"My very first credit card--today I'm
a woman!"
—Miley Stewart (Hannah Montana)
"Restless is discontent and
discontent is the first necessity of progress."
—Thomas A. Edison
"The hardest thing in the world to
understand is income tax."
—Albert Einstein
"One decision can change your life
forever."
—Tony Robbins
"To a normal person, $10 million will
seem like enough. But anyone who thinks that's enough is not the
type that can acquire that much in the first place."
—James K. Glassman, magazine publisher
"Bad questions get bad answers."
—Matt Fisher, Singer/Songwriter (watch
the video)
"I've traveled all over the world and
America is the easiest place to get rich."
—Robert T. Kiyosaki, author of Rich Dad, Poor Dad
"Forget the fat lady--it ain't over
until the check clears!"
—Scott Bilker
"The large print giveth, and the
small print taketh away."
—Tom Waits, singer-songwriter
"I paid the bank note, the car note,
an' yes, I paid the 'phone bill too. An' then I turned around an' I
found that the house note's due. Well, I'd love to take you out like
I said I would, honey, But there's too much month at the end of the
money."
—Marty Stuart, Country Musician
"Far better to dare mighty things, to
win glorious triumphs, even though checkered by failure, than to
take rank with those poor spirits who neither enjoy much nor suffer
much, because they live in the gray twilight that knows not victory,
nor defeat."
—Theodore Roosevelt
"Instead of focusing on the amount of
money lacking in your budget, focus on what you DO have: a willing
spirit, an imagination filled with bright ideas, people who care
about you and can perhaps help you in some way. These are the things
that will enable you to do almost anything."
—Phil Keoghan, No Opportunity Wasted
"The greatest revelation of my
generation is the discovery that by changing the inner attitudes of
your mind, you can change the outer aspect of your life."
—William James
"Lend less than you owe."
—William Shakespeare
"What lies behind us and what lies
before us are small matters compared to what lies within us."
—Ralph Waldo Emerson on Perseverance
"All things are difficult before they
are easy."
—John Norley
"I don't want to see a game of
checkers; I want to see a game of chess."
—Grandmaster Art Beins
"Good judgment comes from experience,
and experience comes from bad judgment."
—Barbara De Angelis, Ph.D.
"Living modestly and being happy with
what you have--therein lies the success of saving."
—Scott Bilker
"Action is the foundational key to
all success. Knowing is not enough! Lots of people know what to do,
but few people actually do what they know."
—Tony Robbins
"Financial success is having control
over your finances rather than having your finances in control of
you."
—Scott Bilker
"If you would like to know the value
of money, go and try to borrow some."
—Benjamin Franklin
"Live every day with an attitude of
gratitude."
—Joel Osteen, Lakewood Church, Houston, TX
"Organization is the key to success
with anything."
—Scott Bilker
"Money is just the poor man's credit
card."
—Marshall McLuhan
"People are not persuaded by what we
say, but rather by what they understand."
—Fortune Cookie
"If you talk about it, it's a dream.
If you envision it, it's possible. But if you schedule it, it's
real."
—Anthony Robbins
"If you find yourself in a hole,
the best thing to do is stop digging."
—Unknown
"Control your destiny, or
someone else will!"
—Jack Welch, CEO of GE
"Change is inevitable; struggle
is an option."
—Unknown
"A large income is the best
recipe for happiness I ever heard of."
—Jane Austen
"You can have my credit card,
baby, but keep your red hot fingers off of my heart, lady."
—George Michael
"Never spend your money before
you have it."
—Thomas Jefferson
"Money was never a big
motivation for me, except as a way to keep score. The real
excitement is playing the game."
—Donald Trump
"Too many men work on parts of
things; doing a job to completion satisfies me."
—Dick Proenneke
"If you look at what you do not
have in life, you don't have anything. If you look at what you have
in life, you have everything."
—Unknown
"If you control your credit
cards, you control your future."
—Scott Bilker
"Lack of money is no obstacle.
Lack of an idea is an obstacle."
—Ken Hakuta
"Creditors have better memories
than debtors."
—Benjamin Franklin
Albert Einstein said, "in the
middle of adversity lies opportunity." It has also been state
"you can tell the size of the goal by the number of obstacles
you have overcome."
"Lack of money is the root of
all evil."
—George Bernard Shaw
"Many receive advice, only the
wise profit from it."
—Publilius Syrus
"Borrow money from
pessimists—they don't expect it back."
—Steven Wright
"You put your signature on
everything you do in life."
—Grandmaster Art Beins
"Work your plan and plan to
work. You only fail if you quit."
—Unknown
"Success is defined by oneself
by setting attainable goals and reaching them."
—Richard Bayha
"The biggest obstacle in life is
yourself...overcome it and you will achieve the greatest
accomplishment of all."
—Grandmaster Art Beins
"You don't have to be rich,
you just have to know where you stand."
—Larissa S. Bilker
"Every family has a choice of
keeping up with the neighbors or the creditors."
—Unknown
"While shopping, you'll find
that it's far easier to put something in the basket than it is to
remove it from the basket."
—Scott Bilker
"Wealthier is
healthier."
—John Stossell, author of Give me a break
"Even though I have no debt,
lack of funds is initially why so many people can't pull through
with their dreams, and I am not prepared to accept that."
—Sarah Pieper, 15-years-old DebtSmart Reader (Australia)
"Like other forms of stealing,
identity theft leaves the victim poor and feeling terribly
violated."
—President George W. Bush
"You can't really have a happy
life without having a healthy financial life."
—Scott Bilker
"One who restrains his appetites
avoids debt."
—Chinese proverb
"There are no great limits to
growth because there are no limits of human intelligence,
imagination, and wonder."
—Ronald Reagan
"The only preparation for
tomorrow is the right use of today."
—Author Unknown
"I will help you as long as you
help yourself. When you stop helping yourself, I stop helping
you."
—Aaron Kinney Sr.
"Prosperity is a way of living
and thinking, and not just money or things. Poverty is a way of
living and thinking, and not just a lack of money or things."
—Eric Butterworth
"Winning isn't everything. The
will to win is everything."
—Vince Lombardi
"Only I can change my life. No
one can do it for me."
—Carol Burnett
"There is only one boss, the
customer. And he can fire everybody in the company, from the
chairman on down, simply by spending his money somewhere
else."
—Sam Walton
"It's not the size of the dog in
the fight, it's the size of the fight in the dog."
—Mark Twain
"If you don't know where you're
going, then any path will get you there."
—Sioux proverb
"I feel like the luckiest girl
in the world. And I had no idea I could be this happy without
incurring credit card debt."
—Elle Woods in "Legally
Blonde 2" (Reese Witherspoon)
"Wisdom is not a product of
schooling but of the life-long attempt to acquire it."
—Albert Einstein
"Achievement seems to be
connected with action. Successful men and women keep moving. They
make mistakes, but they don't quit."
—Conrad Hilton (1887-1979)
Founder of Hilton Hotels
"Lack of money is the root of
all evil."
—George Bernard Shaw
"If money is your hope for
independence you will never have it. The only real security that a
man will have in this world is a reserve of knowledge, experience,
and ability."
—Henry Ford 1863-1947 American Industrialist
MONEY ISN'T EVERYTHING: "But
it's reasonably close to oxygen!"
—Zig Ziglar
"My credit is horrible. They
won't even take my cash!"
—May Gillian (Chris Rock) in "Head of State"
"Work is a surefire money-making
scheme."
—Dave Ramsey, author of "The Total Money Makeover"
"i hate those people who love to
tell you
money is the root of all that kills
they have never been poor
they have never had the joy of a
welfare christmas"
—Everclear, "i will buy you a new life," 1997
"My problem lies in reconciling
my gross habits with my net income."
—Errol Flynn
Talking about debt
collectors..."One guy called me everyday last week. I said,
'Look, every month I put everyone I owe into a hat, I pick three
names, I pay those people. And if you call me one more time I'm
taking you out of the hat.' They all want to be in the
hat."
—Margaret Smith, Comedian
"If thou lend money to any of My
people,...thou shalt not be to him as a creditor; neither shall ye
lay upon him interest."
—Exodus 22:24
"In times of change, the
learners inherit the earth and the learned find themselves
beautifully equipped to deal with a world that no longer
exists."
—Eric Hoffer
"Insurance companies make money
when you pay them; not when they pay you."
—Scott Bilker, creator of DebtSmart.com
"Most choices are driven by
immediate results."
—Dr. Phil
"We can't stop the waves, but we
can learn to surf."
—Jonathan Kabat-Zinn
"The passion for money is never
fickle."
—Mason Cooley
"If there is no consequence,
there is no change."
—Jen Macedo (3/1/03)
"If you have an understanding of
your passion, you have an understanding of life."
—Matt Fisher,
Matt Fisher &
the Telephone Junkies
"It is not the critic who
counts, not the one who points out how the strong man stumbled or
how the doer of deeds might have done them better. The credit
belongs to the man who is actually in the arena, whose face is
marred with sweat and dust and blood; who strives valiantly; who
errs and comes short again and again; who knows the great
enthusiasms, the great devotions, and spends himself in a worthy
cause; who, if he wins, knows the triumph of high achievement; and
who, if he fails, at least fails while daring greatly, so that his
place shall never be with those cold and timid souls who know
neither victory nor defeat."
—To The Man in The Arena, by Theodore Roosevelt (1910)
"You have to think outside of
conventional wisdom to break through your debt."
—Dave Hoffman, 1/13/2003
"Courage is simply the
willingness to be afraid and act anyway."
—Robert Anthony
"Courage is doing what you are
afraid to do. There can be no courage unless you're scared."
—Eddie Rickenbacher
"I urge you to plan your work
and then work your plan. I urge you to let no obstacle get in your
way of accomplishing your plan. Either go around it, over it, or
through it. But don't turn around and go back. You do not retreat.
You do not quit."
—Alan N. Canton, Author, Publisher, Software Engineer, Adams-Blake
Publishing, Fair Oaks, CA
"Consumer spending accounts for
about 70 percent of our economy. It has been the driving force of
our recovery. Yet there are warning signs I won't ignore, and I hope
the Congress doesn't ignore either. Many Americans live in constant
and increasing personal debt, with credit card bills so heavy they
often cannot pay much more than the monthly minimum. Millions of
citizens spend their entire adult lives living paycheck-to-paycheck,
never getting a chance to save for their children's education or
their own retirement. Americans today are paying about a third of
their income in taxes. All of this puts pressure on family budget,
and therefore clouds our economic future."
—George W. Bush, President (1/7/2003)
Below from White House Briefing on
1/6/2003:
Q: Isn't it the assumption with the stimulus that in order for it to
have any short-term stimulative effect that people will actually
have to go out and spend this money? Isn't it a real possibility
that a lot of these people who are getting back $1,000, which is
less than they owe on their credit cards, that they will actually
have to - that they will actually go out and spend that money, and
not use it to just pay off debt?
"I think what you just heard, with all due respect, is exactly
why some American people look at Washington and say Washington
doesn't get it. A thousand dollars is a tremendous amount of money
to most Americans. It's not just an amount of money on people's
credit card — that it's smaller than what's on their credit card.
That's real money. That's a lot of real money to a lot of Americans.
And the American people feel that it's their money and that they're
over-taxed. And I think that anybody who hears that they may get
$1,000 of their money back is very appreciative for it."
—Ari Fleischer, White House Press Secretary (1/6/2003)
"Failure is never final and
success is never-ending. Success is a journey, not a
destination."
—Robert Schuller
"When you give more than people
expect, you get more than you expected."
—J. Warren McClure, philanthropist and author of "Freedom to
Achieve"
"The secret of success is to be
ready when your opportunity comes."
—Benjamin Disraeli
"I say 'try'; if we never try,
we shall never succeed."
—Abraham Lincoln
"I'm living so far beyond my
income that we may almost be said to be living apart."
—E.E. Cummings (Modern American Poet, 1894-1962)
Jonathan Kent: "Clark Kent, you
stole from us!"
Clark Kent: "No, I used your credit cards!"
(Clark goes on a buying spree in Metropolis at his parents' expense
after being exposed to red kryptonite.)
—WB's, "Smalleville," aired 10/15/02
"Destiny is not a matter of
chance, it is a matter of choice."
—William Jennings Bryan
"When you change what you
believe, you change what you do."
—Dr. Spencer Johnson, page 65, "Who Moved My Cheese?"
"When you move beyond your fear,
you feel free."
—Dr. Spencer Johnson, page 56, "Who Moved My Cheese?"
"In the middle of difficulty
lies opportunity."
—Albert Einstein
"Worrying about it (your
financial situation) won't help, only action will!"
— Larissa S. Bilker, 2002
"The greatest discovery is that
a human being can alter his life by altering his attitudes of
mind."
—William James
"In times of distress,
strengthen your heart."
—Samuel ha-Nagid
"It's not having what you want,
it's wanting what you've got."
—Sheryl Crow "Soak Up the Sun" (C'mon C'mon)
"Champions believe in
themselves, even when others do not."
—Unknown
"Borrowing money from a friend is
like sex—it completely changes the relationship!"
—George Castanza (Seinfeld)
"Beautiful credit! The
foundation of modern society. Who shall say that this is not the
golden age of mutual trust, of unlimited reliance upon human
promises? That is a peculiar condition of society which enables a
whole nation to instantly recognize point and meaning in the
familiar newspaper anecdote, which puts into the mouth of a
distinguished speculator in lands and mines this remark: "I
wasn't worth a cent two years ago, and now I owe two millions of
dollars.""
—Mark Twain
"I have been through some
terrible things in my life, some of which actually happened."
—Mark Twain
"We are what we think. All that
we are arises with our thoughts. With our thoughts, we make our
world."
—Budda
"It's (the Metropolis Mall) like
some kind of temple."
—Wonder Woman
"Yes, for those who worship their credit cards."
—Superman (Clark Kent, Kal-El) Justice League 1/21/02
"I hear and I forget.
I see and I remember.
I do and I understand."
—Confucius
"If a man empties his purse into
his head, no man can take away from him. An investment in knowledge
always pays the best interest."
—Ben Franklin
"Neither a borrower or lender
be,
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry."
—Shakespeare
"Do not be made a beggar by
banqueting upon borrow,
when thou hast nothing in thy purse:
for thou shall lie in wait for thine own life,
and be talked on."
—Bible Quote
"Home life ceases to be free and
beautiful as soon as it is founded on borrowing and debt."
—Henrik Ibsen; Quote from A Doll's House
"The surest way to ruin a man
who doesn't know how to handle money is to give him some."
—George Bernard Shaw
"Dreading that climax of all
human ills,
The inflammation of one's weekly bills."
—Lord Byron
"It is very iniquitous to make
me pay my debts;
you have no idea of the pain it gives one."
—Lord Bryon
"Who goeth a borrowing
Goeth a sorrowing."
—The Farmer's Daily Diet Quote
"The human species, according to
the best theory I can form of it, is composed of two distinct races,
the men who borrow and the men who lend."
—Quote from "The Two Races of Men"
"A creditor is worse than a
slave-owner;
for the master owns only your person,
but a creditor owns your dignity,
and can command it."
—Les Miserables Quote
"A good debt is not as good as
no debt."
"Free from debt is free from care."
"One who restrains his appetites avoids debt."
—Chinese Proverbs
"There's also consumer debt, the
credit card debt that burdens many of the working families in
America. Yes, we talk about national debt, and we're paying a lot
down. But you're fixing to hear me tell you part of the remedy for
people who have got a lot of credit card debt is to make sure people
get some of their own money back."
—President George W. Bush 3/9/2001
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