It's all about looking after the pennies ...
"Don't spend what you don't have."
"Don't worry about frivolities and material things: pay
as much as you can on the mortgage, and the rest will follow."
... and knowing how best to spend them ...
"Work out what your hourly salary is so when you're out
shopping and something takes your eye, you can work out how many hours you
would need to work to buy the item. It will help you decide if
it's really worth getting - nine times out of 10 I put
the item back."
"When it comes to spending, there's a big difference between 'want' and 'need'. Learn which is which and really think before buying a 'want'."
"Splash out on shoes and mattresses. If you're not on one, you're on t'other."
... or save them
"If your salary increases, try not to increase your expenditure at the same rate; you'll save without noticing."
"Save 10% of what you earn. Little or lots it adds to the pot, and even if you have really lean years the pot grows."
"Be aware of how many paydays you are away from ruin and save accordingly.
If, for example you missed one month's pay, would you default on your mortgage or other essential repayments?"
"The best financial advice I received from someone was not to cash in a small pension fund I had from one of my first jobs. It was tempting to take the cash, but I left it. I have watched that small amount of money quadruple in value, and it has taught me that even small amounts of money will eventually grow."
Guess what? It's really not that complicated
"If you get to the end of the day with children and can say 'everyone fed; nobody dead' you can count that day as a success."
"If a baby is crying - feed it, change it, cuddle it, then try putting it
down. Repeat as necessary."
"Never try to fathom the mind of a small person."
Love is all you need
"My mother always said 'you can never spoil a child with love'. It's stuck with me."
"Never be too busy to hug your children."
"Always be gracious, in whatever dealings you have with anyone. Even if
you're absolutely furious and they are rude and unreasonable, be
gracious and you'll have the moral high-ground. It was the advice of
my old law lecturer; he was
"My grandfather told me that kindness and a smile don't cost anything. He
was always so kind, warm and radiated happiness."
"You're your own harshest critic - you are better than you think you are, so just relax!"
"The key to happiness is to want what you have, rather than have what you want."
"My dad has only ever given me two pieces of advice, and I have never
1. Buy bonds
2. If you ever get chased by a bear, can't escape and are attacked, curl in
ball - protect your vital organs.
Thanks dad - invaluable!"