1. beggars cannot be choosers.

2. creditors have better memories than debtors.

3. all good things are cheap, all bad things are very dear.

4. few rich men own their property.the property owns them.

5. anonymors There are distant relatives in the mountains; poverty has no one in the city;

6. Tobias Smollett, British writer An ounce of caution brings a pound of gold

7. Voltaire, French thinker All the glory and wealth in the world is not as good as good friends

8. i finally know what distinguishes man from the other beasts: financial worries.

9. richard brckminster fuller.american srchitect a penny saved is equal to a penny gained

10. benjamin franklin , american presudent If you want to know the value of money, try borrowing money

11. lucius annaeus seneca, ancient roman philosopher Saving itself is the greatest income.

12. apply yourself to true riches; it is shameful to depend upon silver and gold for a happy life.

13. oscar ll, swedish king I would rather let my people laugh at my stinginess than let them laugh at my stinginess. Spend money and cry

14. Betrand russell, British philosopher Beggars do not envy millionaires, although they will envy beggars more than they beg.

15. Economy is the poor man s mint ; and extravagance the rich man's pitfall. Thrift is the mint of the poor, waste is the trap of the rich

16. if rich, it is easy enough to conceal our wealth, but, if poor, it is not so easy to conceal our poverty. we shall find it less difficult to hide a thousand guineas, than one hole in our coat.