Personal Finance Quotes

“Every time you borrow money, you're robbing your future self.”
― Nathan W. Morris

“Death and taxes in life are certain, knowing how to pay only your fair share is third.”
― Yvette D. Best, Maximizing Your Tax Refund: 35 Sure-Fire Ways to Get More from Your Return NOW!

“Creating a home that makes you feel wonderful is a gift you give yourself that echoes through the rest of your life.
A bedroom you love is one in which you want to have an organized, well-cared-for wardrobe, which means less money spent replacing your battered items.
A happy, practical, smartly appointed kitchen is one you actually *want* to cook in, which means much less money spent eating out or ordering in.
A chic and comfortable living room means more entertaining at home and embracing the lost art of dinner parties (always cheaper than doing drinks and a restaurant dinner!).
Even a Zen, candle-filled, clean bathroom is one in which you want to spend time doing home spa treatments instead of feeling like you have to go somewhere expensive to feel beautiful.
If you create a home that is most attuned to your life and somewhere you really enjoy being, everything benefits.”
― Chelsea Fagan, The Financial Diet

“When you know the impact of little expenses, you will realise that there is nothing little in this world.”
― Manoj Arora, From the Rat Race to Financial Freedom

“To hell with “keeping up with the Joneses” or “beating the market.” In measuring your success, your personal monthly spending need is your ultimate yardstick and the only benchmark that matters.”
― Cosmo P. DeStefano, Wealth Your Way: A Simple Path to Financial Freedom

“To hell with 'keeping up with the Joneses' or 'beating the market.' In measuring your success, your personal monthly spending need is your ultimate yardstick and the only benchmark that matters.”
― Cosmo P. DeStefano, Wealth Your Way: A Simple Path to Financial Freedom

“Here are some examples: Breathwork is a really amazing tool because you can do it anywhere, anytime. Strenuous exercise, or other types of physical activity like going for a walk, running or riding a bicycle. Listening to music, using a weighted blanket, taking a warm or a cold bath, smelling something like essential oils or a flower. Dancing, humming or singing. Socializing, connecting with a loved one and laughing. Getting a massage, simply stretching your body and doing grateful flow exercise are all ways to regulate your nervous system before approaching a financial decision.”
― Paco de Leon, Finance for the People: Getting a Grip on Your Finances

“Get to know your student loans the way you’d get to know someone you’re dating — very intimately.”
― Paco de Leon, Finance for the People: Getting a Grip on Your Finances

“Your financial life is like a sandcastle. You spend time tending to it, building it, and making decisions and choices that you hope will keep it from crumbling. You can control what you can, but there are always things outside of your control—like whether or not, you have the right tools or someone to help you build, when the tide will change and when the waves will start to move in. Financial shocks and emergencies are the waves threatening your sandcastle. The thing about the tides—and emergencies is—they will always come. Sometimes very suddenly as if out of the blue, and sometimes gradually. When it does come in, hopefully you’ll have dug that trench or built that wall. In the same way a trench or a wall is the best defense in weathering the shock of a changing tide, an emergency fund is the first line of defense against a financial shock.”
― Paco de Leon, Finance for the People: Getting a Grip on Your Finances

“Think of interest as whipped cream and a piece of cake as the principal. A smaller piece of cake limits the amount of surface area there is to put whipped cream on”
― Paco de Leon, Finance for the People: Getting a Grip on Your Finances

“What you don't know can, will, and does hurt you especially when its related to your health and your finances.”
― Joseph Carty

“My biggest regret is finding out today what was shared 20yrs ago because I lost 20yrs of compounding. But I am hopeful for the next 20yrs because now I know.”
― Joseph Carty

“Good financial practices work whether you are paying with cash, plastic, or a smart phone. The key is to start practicing.”
― Joseph Carty

“Being intentional is critical for goal setting and taking action. This applies in all areas of life especially when it comes to money.”
― Joseph Carty

“Don't focus on a wearing a big hat and having no cattle. Focus on having all the cattle and earning the hat.”
― Joseph Carty

“Make mistakes and learn from them to develop good money habits when you are making pennies, so by the time you are making thousands you have have engrained positive money habits that will serve you well.”
― Joseph Carty

“Debt follows you as long as you have it. You have to decide is debt the type of follower you want to attract.”
― Joseph Carty

“It's better to have money saved for an emergency that has not happened than to be in an emergency with no money saved to use.”
― Joseph Carty

“The best time to develop good money habits is before you need them.”
― Joseph Carty

“We have all heard its not how much you earn. It's how much you save. That's just step one. Next you have to focus on what to do with the money you save.”
― Joseph Carty

“The best time to start developing good money habits was 20yrs ago. The next best time is right now.”
― Joseph Carty

“Yesterday's debt may cause us problems today. But we get to determine how many tomorrows it touches.”
― Joseph Carty

“If you made a million dollars today what would you do with it? Start planning for the opportunity before it comes. Otherwise you may be that fool who parts ways with his money.”
― Joseph Carty

“The law of compounding effect is one of the most powerful things if you use it in your favor. The question is are you using it to set yourself up for a great financial future?”
― Joseph Carty

“Intentionality can be a good friend when it comes to money. Be intentional with your checking account, savings account, credit cards and everything else. This way you are more likely to end up where you want to be.”
― Joseph Carty

“Compounding is mankind's greatest invention because it allows for the reliable, systematic accumulation of wealth.”
― Albert Einstein

“Like a faucet that consistently drips the impact of debt can be small in the short term but significant over 5, 10, and 20yrs.”
― Joseph Carty

“Each of us have to decide are we the type of people who face our debts and address them or are we the type people who ignore our debts until their impact is massive.”
― Joseph Carty

“When we hide from our finances seemingly invisible problems become significant.”
― Joseph Carty

“The only thing worse than a job you don't like is one that pays well enough and keep you stuck.”
― Ini-Amah Lambert, How to Live Off Dividends All Year: The Passive Income Playbook For Busy Professionals