A formula of happiness

What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?

Adam Smith

/phil

Keep an eye on your money

It’s easier to get into debt than it is to get out of debt.

Clifford Kidd

This sounds very mundane but is in fact a very important thing to be aware of!

Never get into debt as long as you have the choice!

Fighting yourself out of debt sucks as hell and it is a pain in the ass to pay off your debts, it is a pain to know that every month you work for someone else and not into your own bank account.

Believe me, I’ve been there, you do not want to be in debt!

Stay positive and keep your account balance positive!

/phil