Spend Money Wisely Quotes

All married couples should examine themselves periodically and ask, “What have we done with the resources God has given us? How are we handling His blessings? Are we spending our money wisely? Have we progressed over the past year? Are we moving in the direction God wants us to go? Are we obeying His will? Is He pleased with our management? What does He want us to do next?” These are important questions for growing in stewardship.

-Good thing you don’t own a mirror, Mr. Mirrorless, or you’d see how ugly you are.
 -What makes you think I don’t own a mirror? Every face that ever looks at me tells me that I’m ugly. But every time I make them laugh, I get to show them what beauty really is.
 -I see what you mean. Here, take my rearview mirror. I don’t need to carry it around like a vagina on a rope anymore.
 -Mr. Thrustsalone, you don’t need to drag a vagina on a rope like some kind of pet on a leash to make you happy. There’s a reason why God invented right hands and hookers.
 -Why, so politicians could have more productive ways to spend their time and our money than engaging in politics?
 -Mr. Thrustsalone, you are wise beyond your years.
 -I’m 88 years old.
 -Yet you don’t look a day older than 87.

The more money you spend on guns, the less money you spend on people! More weapons, less happiness; more guns, more misery!

Be happy when you work, thankful when you earn, cautious when you spend, shrewd when you save, and charitable when you give.

You either waste, spend or invest time. Make your choice wisely

Money should not direct you to what to do and what not to do; the giver of the money is responsible for playing that role.

To part with money is a sacrifice beyond almost all men endowed with a sense of order. There is scarcely any man alive who does not think himself meritorious for giving his neighbour five pounds. Thriftless gives, not from a beneficent pleasure in giving, but from a lazy delight in spending. He would not deny himself one enjoyment; not his opera-stall, not his horse, not his dinner, not even the pleasure of giving Lazarus the five pounds. Thrifty, who is good, wise, just, and owes no man a penny, turns from a beggar, haggles with a hackney-coachman, or denies a poor relation, and I doubt which is the most selfish of the two. Money has only a different value in the eyes of each.

Love God more than you fear hell. Make major decisions in a cemetery. When no one is watching, live as if someone is. Succeed at home first. Don’t spend tomorrow’s money today. Pray twice as much as you fret. God has forgiven you; you’d be wise to do the same.

[I]f the public wants the military to perform better, give more prudent advice to its civilian leadership, and spend taxpayer money more wisely, it must elect a Congress that will dial down a few notches its habitual and childish 'we support the troops!' mantra and start asking skeptical questions - and not accepting bland evasions or appeals to patriotism as a response.

feeling so far is that standardized testing and performance-based salaries are likely to push education from social norms to market norms. The United States already spends more money per student than any other Western society. Would it be wise to add more money? The same consideration applies to testing: we are already testing very frequently, and more testing is unlikely to improve the quality of education. I suspect that one answer lies in the realm of social norms. As we learned in our experiments, cash will take you only so far—social norms are the forces that can make a difference in the long run. Instead of focusing the attention of the teachers, parents, and kids on test scores, salaries, and competition, it might be better to instill in all of us a sense of purpose, mission, and pride in education. To do this we certainly can’t take the path of market norms. The Beatles proclaimed some time ago that you “Can’t Buy Me Love” and this also applies to the love of learning—you can’t buy it; and if you try, you might chase it away.

You’re only awake 16 hours a day. Now subtract out all the hours where you have to be doing something. How many hours are left? Three? This is your free time. Choose wisely how you spend these precious few hours.

There's poverty in wealth. If a man is wealthy without good health, is he not poor? If a man is wealthy without children, is he not poor? If a man is wealthy without God, is he not poor? If a man is wealthy without giving alms, is he not poor? If a man is wealthy without wisdom, is he not poor? Then there's a great lack in riches.

My dad knew that if I was to be successful, he had to push me to take responsibility. He supported me by giving me a starting point—like warning me to do my research and to spend my loan money wisely—but after that, it was up to me

Do not spend all your strength to make money.

Use your resources wisely and spend quality time on developing your resources

The relationship btw time and money is nt b'cuz time is money but because u must spend both wisely....#DonRichie#

The most important thing in time management is knowing where to start fixing the mess.

A fool and his money are soon parted.. A wise man therefore spends others' money.

Money earned the hard way will be treasured, wise spending of every cent is insured. Money gotten the easy way is gross, holders of it often end up in loss.

People with money spend it wisely, ghetto people spend it trying to be what they think rich people are,

A Person spends a whole day, five days a week or more, working hard to make money, but few ever think beyond this fact. They live from pay cheque to pay cheque, drifting through life, and only realize too late that what they have been doing was not wise at all. As individuals it is now time we take charge of our money and plan for it, otherwise it will plan for you.

By building wealth to the point where you can be financially independent, you create a situation where you can choose what you want to do. That’s the most luxurious thing that money can buy.

there’s no shame in having more or having less, as long as you’re grateful for what you have, share it generously with others, and spend it wisely on the things that make you happiest. It’s true for our kids, but it’s true for us, too.

Many people lack discipline when it comes to saving money. What good is having a bunch of stuff if you’re struggling, in debt, or broke most of the time? So many people put up a front like they’ve got it going on, but they know the truth. They spend all of their money trying to look important, and/or keep up an image. Knowledge is everything! Educate yourself about money, investing, and saving. I encourage you to start investing in yourself instead of things! Set yourself up for a better future and start making better choices. Building wealth takes time! Have discipline. Save. Stay consistent. Be brave enough to change your spending habits. Be wise! Don’t allow money to control you. Strive to have a healthy relationship with money!

I was astonished at her words, and said: 'Is this really true, O thou wise Diotima?' And she answered with all the authority of an accomplished sophist: 'Of that, Socrates, you may be assured;-think only of the ambition of men, and you will wonder at the senselessness of their ways, unless you consider how they are stirred by the love of an immortality of fame. They are ready to run all risks greater far than they would have run for their children, and to spend money and undergo any sort of toil, and even to die, for the sake of leaving behind them a name which shall be eternal. Do you imagine that Alcestis would have died to save Admetus, or Achilles to avenge Patroclus, or your own Codrus in order to preserve the kingdom for his sons, if they had not imagined that the memory of their virtues, which still survives among us, would be immortal? Nay,' she said, 'I am persuaded that all men do all things, and the better they are the more they do them, in hope of the glorious fame of immortal virtue; for they desire the immortal.

Time is free, but it's priceless, and we're all obliged to spend it. But spend it wisely because contrary to popular belief, time is not money. You can always earn more money, but you don't get more time. Time is finite. But it is predictable. It is consistent.

Teach your kids the value of money from a young age Teach them to respect it Teach them to earn it Teach them to spend it wisely Teach them to save it The reality Financial freedom is very important Instilling wisdom and skill into this area is setting them up for a comfortable life

You must learn to spend your money wisely...The main thing is not to have too much money to spend. This I have always found bewildering and a sure pathway to extravagance and foolishness. You only need to look about you among the unhappy members of the sporting set to see what happens when there is too much loose money in the bank.

That’s not wise, Lin. I think wisdom is very over-rated. Wisdom is just cleverness, with all the guts kicked out of it. I’d rather be clever than wise, any day. Most of the wise people I know give me a headache, but I never met a clever man or woman I didn’t like. If I was giving wise advice—which I’m not—I’d say don’t get drunk, don’t spend all your money, and don’t fall in love with a pretty village girl. That would be wise. That’s the difference between clever and wise. I prefer to be clever, and that’s why I told you to surrender, when you get to the village, no matter what you find when you get there. Okay. I’m going. Come and see me when you get back. I look forward to it. I really do.

Two years ago, George Bush felt prompted to address this issue. More spending on public education, said the president, isn’t “the best answer.” Mr. Bush went on to caution parents of poor children who see money “as a cure” for education problems. “A society that worships money …,” said the president, “is a society in peril.” The president himself attended Phillips Academy in Andover, Massachusetts—a school that spends $11,000 yearly on each pupil, not including costs of room and board. If money is a wise investment for the education of a future president at Andover, it is no less so for the child of poor people in Detroit. But the climate of the times does not encourage this belief, and the president’s words will surely reinforce that climate.

There are only 24 hours in a day. The average man has to sleep about 8 hours. And work for 8 hours. That leaves 8 hours to run some errands, drive to and from work, eat, and have some spare time. And in that little bit of spare time, a man has to figure out how to get the one thing he likes more than anything else: sex. So when a man has to choose whether or not he will hang out with a female and spend any time, money or attention on her, the question of whether the resources he spent will result in sex plays a very big factor. If your male "friend" chooses to spend his time and money on you, it's because he thinks there is a chance it might pay off in sex at some point. If he hangs out with you instead of with some other female, it's because he thinks you are his best bet to getting sex. The more likely there will be sex, the more willing he is to spend his little bit of free time with you. If he thinks his chances of having sex are higher with a different female, he will spent more time, money and attention on her. That's just common sense, and using his limited resources wisely.

If our democracy worked as it should, we would elect wise women and men who made laws for the good of the people and enforced those laws. That, though, is not the way things work. Greedy, power–mad billionaires spend money so that politicians such as George W. Bush can buy elections. Corrupt corporations such as Enron defraud old ladies and commit crimes. And they get away with it. They get away with it because most of us are so afraid of losing the security of our nice, normal lives that we are not willing to risk anything about those lives. We are either afraid to fight or we don’t know how. Or we believe that bad things won’t happen to us. And so, in the end, too many people lose their lives anyway. In Nazi Germany, millions of men who acquiesced to Hitler’s murderous rise to power wound up marching into Russia’s icy wasteland—into the Soviet Army’s machine guns and cannon—to themselves be murdered. In America after 9–11, trusting teenagers who had joined the National Guard found themselves sent to Iraq on extended and additional tours. Our enemy killed many of them because we, citizens of the richest country in the world, did not provide them with body armor. Grieving mothers protested the wasting of their sons’ lives. Nadia McCaffrey defied Bush’s shameful ban on the filming of U.S. soldiers’ coffins returning home from Iraq. She knew, as we all did, that this tyrannical dictum of Bush dishonored our soldiers’ sacrifice. And so she invited the press to the Sacramento International Airport to photograph her son’s flag–draped coffin. Again, I am not comparing George W. Bush to Adolph Hitler, nor America to Germany’s Third Reich. What I do believe is that each of us has the duty to keep the Bushes of the world from becoming anything like Hitler—and to keep America from invading other countries with no just cause. We will never, though, be able to stop corrupt politicians and corporations from doing criminal things until we stop surrendering our power to them. The more we fear to oppose them—the more we want to retreat into the supposed safety of our nice gated communities or downtown lofts—the more powerful people will conspire to ruin our prosperity and wreck our lives.

Whoever you are, the land to which God has brought you is not like the land of Egypt from which you came out. You can no longer live here as you lived there. Your old life and your former ways are crucified now, and you must not seek to live any more for your own gratification, but give up your own judgement into the hands of a wise director, and sacrifice your pleasures and comforts for the love of God and give the money you no longer spend on those things, to the poor. Above all, eat your daily Bread without which you cannot live, and come to know Christ Whose Life feeds you in the Host, and He will give you a taste of joys and delights that transcend anything you have ever experienced before, and which will make the transition easy.

On the bus, I pull out my book. It's the best book I've ever read, even if I'm only halfway through. It's called Jane Eyre by Charlotte Brontë, with two dots over the e. Jane Eyre lives in England in Queen Victoria's time. She's an orphan who's taken in by a horrid rich aunt who locks her in a haunted room to punish her for lying, even though she didn't lie. Then Jane is sent to a charity school, where all she gets to eat is burnt porridge and brown stew for many years. But she grows up to be clever, slender, and wise anyway. Then she finds work as a governess in a huge manor called Thornfield, because in England houses have names. At Thornfield, the stew is less brown and the people less simple. That's as far as I've gotten... Diving back into Jane Eyre... Because she grew up to be clever, slender and wise, no one calls Jane Eyre a liar, a thief or an ugly duckling again. She tutors a young girl, Adèle, who loves her, even though all she has to her name are three plain dresses. Adèle thinks Jane Eyre's smart and always tells her so. Even Mr. Rochester agrees. He's the master of the house, slightly older and mysterious with his feverish eyebrows. He's always asking Jane to come and talk to him in the evenings, by the fire. Because she grew up to be clever, slender, and wise, Jane Eyre isn't even all that taken aback to find out she isn't a monster after all... Jane Eyre soon realizes that she's in love with Mr. Rochester, the master of Thornfield. To stop loving him so much, she first forces herself to draw a self-portrait, then a portrait of Miss Ingram, a haughty young woman with loads of money who has set her sights on marrying Mr. Rochester. Miss Ingram's portrait is soft and pink and silky. Jane draws herself: no beauty, no money, no relatives, no future. She show no mercy. All in brown. Then, on purpose, she spends all night studying both portraits to burn the images into her brain for all time. Everyone needs a strategy, even Jane Eyre... Mr. Rochester loves Jane Eyre and asks her to marry him. Strange and serious, brown dress and all, he loves her. How wonderful, how impossible. Any boy who'd love a sailboat-patterned, swimsuited sausage who tames rabid foxes would be wonderful. And impossible. Just like in Jane Eyre, the story would end badly. Just like in Jane Eyre, she'd learn the boy already has a wife as crazy as a kite, shut up in the manor tower, and that even if he loves the swimsuited sausage, he can't marry her. Then the sausage would have to leave the manor in shame and travel to the ends of the earth, her heart in a thousand pieces... Oh right, I forgot. Jane Eyre returns to Thornfield one day and discovers the crazy-as-a-kite wife set the manor on fire and did Mr. Rochester some serious harm before dying herself. When Jane shows up at the manor, she discovers Mr. Rochester in the dark, surrounded by the ruins of his castle. He is maimed, blind, unkempt. And she still loves him. He can't believe it. Neither can I. Something like that would never happen in real life. Would it? ... You'll see, the story ends well.

The tremendous leisure industry that has arisen in the last few generations has been designed to help fill free time with enjoyable experiences. Nevertheless, instead of using our physical and mental resources to experience flow, most of us spend many hours each week watching celebrated athletes playing in enormous stadiums. Instead of making music, we listen to platinum records cut by millionaire musicians. Instead of making art, we go to admire paintings that brought in the highest bids at the latest auction. We do not run risks acting on our beliefs, but occupy hours each day watching actors who pretend to have adventures, engaged in mock-meaningful action. This vicarious participation is able to mask, at least temporarily, the underlying emptiness of wasted time. But it is a very pale substitute for attention invested in real challenges. The flow experience that results from the use of skills leads to growth; passive entertainment leads nowhere. Collectively we are wasting each year the equivalent of millions of years of human consciousness. The energy that could be used to focus on complex goals, to provide for enjoyable growth, is squandered on patterns of stimulation that only mimic reality. Mass leisure, mass culture, and even high culture when only attended to passively and for extrinsic reasons—such as the wish to flaunt one’s status—are parasites of the mind. They absorb psychic energy without providing substantive strength in return. They leave us more exhausted, more disheartened than we were before. Unless a person takes charge of them, both work and free time are likely to be disappointing. Most jobs and many leisure activities—especially those involving the passive consumption of mass media—are not designed to make us happy and strong. Their purpose is to make money for someone else. If we allow them to, they can suck out the marrow of our lives, leaving only feeble husks. But like everything else, work and leisure can be appropriated for our needs. People who learn to enjoy their work, who do not waste their free time, end up feeling that their lives as a whole have become much more worthwhile. “The future,” wrote C. K. Brightbill, “will belong not only to the educated man, but to the man who is educated to use his leisure wisely.

5 Thumb Rules to Follow for Outsourcing 3D Character. Outsourcing has become one of the basic requirements of the digital industry. Be it software, websites, architecture rendering or 3D character modelling, companies look forward to outsource these tasks to reliable names. Reason is simple. When it comes to value for money, 3D Art Outsourcing Service stands to be the most viable option as setting up in-house production often isn’t considered a wise ROI choice. But, this necessity has also given rise to possible frauds. There are countless companies waiting to gulp your money in the blink of an eye. There are many more who are ready to lure you with lucrative offers when it comes to 3D character modelling concept. Since not everyone is familiar with the technicalities of this field, companies can easily get trapped with fake promises of giving top notch services well within their reach, only to find out that the whole thing was neither worth their time nor money. However, all the sham can be avoided if companies follow the six thumb rules while Game outsourcing character modelling tasks to animation studios as these will lead them to the right names. 1) Take a Tour of the Website Although you will find expert comments on not to judge a company by its cover, there is no denying the fact that website plays a decisive role in company’s credibility, especially when it comes to art and animation studios. A studio that claims to offer you state-of-art results must first focus on its own. A clean, crisp website with appropriate content can actually say a lot about the studio’s work. A poor design and inappropriate content often indicate the following things: - Outdated and poorly maintained - Negligence towards its virtual presentation - Unprofessionalism - Poor marketing A sincere design and animation studio will indeed feature a vibrant website with all its details properly included. 2) Location Matters Location has a huge impact on hiring charges as it largely decides the price range one can expect. If you are looking forward to countries like India, you expect the range to be well within your budget chiefly because such countries have immense talent, but because of the increasing demand and competition in the field of outsourcing, hiring charges are relatively cheaper than countries like UK or USA. This means that once can get desired expertise without spending a fortune. 3) Know Your Team Inside Out Since you will be spending your hard earned money, you have every right to know the ins and outs of your team. Getting to know the team can assist you in your decision. Do your part of homework and be ready with your queries. Starting from their names to their works, check everything you can, and if need be, go for one-to-one conversation. This will not only help you to know them better, but will also give you an idea of their communication, their knowledge about their work and their sincerity. A dedicated one will always answer you up to the point while a confused one with fidget with words or beat around the bush. 4) Don’t Miss Out on the Portfolio While the website of a studio is its virtual representative, it’s the portfolio which speaks about its execution. Reputed names of 3D modelling and design companies house excellent projects ranging from simple to complex ones. A solid portfolio indicates: - commitment of the studio towards its projects - competency of its team - execution and precision - status of its expertise Apart from the portfolio, some animation studios even feature case studies and white papers in their websites which indicate their level of transparency. Make sure to go through all of them.

Most of the time we spend our money and time by honouring people's ceremonies but the wise is the one who spends his money and time by honouring God's activities and gives what he can't hold forever to the One who can keep it eternally, Jesus Christ.

Money is an opportunity for happiness, but it is an opportunity that people routinely squander because the things they think will make them happy often don’t.”106 People don’t spend wisely.

Time, unlike money, is all we have, make sure you spend yours wisely.

When she smiles down at me, she’s my entire world illuminating. I didn’t used to like spending long stretches of time with people because they never really cared about me. But with Reed, it isn’t about money, sex or distraction. It’s us, wanting to just be together.

Make it they will come. Whoop it up! Shout about it, tell everyone! Give back. Leverage your cash and spend it wisely. Make your money work hard for you. Make decisions with your spouse or special friend’s wise counsel with a fresh perspective.

Economy does not lie in sparing money, but in spending it wisely.

purpose

multiply?

M: “Renunciation does not mean simply dispassion for the world. It means dispassion for the world and also longing for God.” MASTER: “You are right. You no doubt need money for your worldly life; but don’t worry too much about it. The wise course is to accept what comes of its own accord. Don’t take too much trouble to save money. Those who surrender their hearts and souls to God, those who are devoted to Him and have taken refuge in Him, do not worry much about money. As they earn, so they spend. The money comes in one way and goes out the other. This is what the Gītā describes as ‘accepting what comes of its own accord’.

Time is not waiting for you ; be wise on time spending because time is money .

Most females get fucked and laid by gatemen and penniless people because they claim to be wise, thinks of their new catch spending on their first meeting either in public entertainment social networking for getting anyone can be anyone with money and the poor no matter how bad things are will by all means find comfort with money in some of their days . Everyone already knew and will claim to fully knew who are the demonstrators of the words that states ITS NOT ALL THAT GLITTERS THAT IS GOLD

Choose wisely where to spend your money and where to spend your time.

To part with money is a sacrifice beyond almost all men endowed with a sense of order. There is scarcely any man alive who does not think himself meritorious for giving his neighbour five pounds. Thriftless gives, not from a beneficent pleasure in giving, but from a lazy delight in spending. He would not deny himself one enjoyment; not his opera-stall, not his horse, not his dinner, not even the pleasure of giving Lazarus the five pounds. Thrifty, who is good, wise, just, and owes no man a penny, turns from a beggar, haggles with a hackney-coachman, or denies a poor relation, and I doubt which is the most selfish of the two. Money has only a different value in the eyes of each.

Everyone spends money freely that is freely given.

MANAGING GOD’S MONEY Honor the Lord with your wealth, with the firstfruits of all your crops; then your barns will be filled to overflowing, and your vats will brim over with new wine. Proverbs 3:9–10 This concept of fiscal responsibility was not lost on me as governor of Alaska. That’s why I used my line-item veto to cut spending by almost 10 percent. I rejected a pay raise. (As mayor, I took a voluntary pay cut.) I invested billions of dollars in state savings. I forward-funded education. See, I knew the resources were not mine to squander and that I had to do right by the people who hired me. Alaska reaped the benefits of that fiscal responsibility: during my tenure, both Standard & Poor’s and Moody’s upgraded Alaska’s credit rating. Our politicians in Washington should be so wise with taxpayer dollars because what’s good for an individual, family, and state is also good for a nation; God’s principles apply across the board. Wasteful spending that robs the American people—like $500,000 to study shrimp on a treadmill, or subsidizing the annual National Cowboy Poetry Gathering in Senator Harry Reid’s state of Nevada—doesn’t seem to qualify as the fiscal responsibility this Scripture describes. And funding Planned Parenthood certainly does not honor God—fiscally or morally. SWEET FREEDOM IN Action What’s in your hand is not yours. It’s a loan. God expects you to be obedient and wise with what He’s allowed you to manage. Today, honor Him for His blessings and pray America does the same.

I was appalled at the pervasive ignorance and illiteracy of the common people.”30 This was fifteen years after the discovery of oil; it helps to explain the State Department’s concern about whether the government was spending its money wisely, a concern that would eventually prompt the United States to take a direct hand in running the Kingdom’s affairs.

The Way Forward If we’re to live frugally, if we’re to learn how to be more content with less, it seems to me that we have to first tackle these innermost fears and anxieties that compel us to indulge in reckless spending. One of the very first decisions we must each take in our journey to financial independence is to look at ourselves and say, ‘I’m okay.’ Saying it is not hard, but meaning it is. First of all, we must reject the financial script that the world insists on pushing on us. There is nothing noble or normal about working for forty years of your healthy life so that you can live independently in your final twenty. We must all believe that it is possible for us to retire early and enjoy more of life. Financial Independence, if you achieve it, will allow you to do so. Second, redefine success for yourself. Money and fame is the society’s definition of the word. What’s yours? A more loving relationship with your spouse? Bringing up your kids to be independent? Conquering your anger? Learning to dance? We all have passions that we have put on the back burner because of our careers, which we tell ourselves we will pursue ‘when we have time’. Write them down, and pursue them. Make time for them, the same way you make time for your work. Let’s face it; otherwise they just don’t get done. Third, accept that the world is inherently unequal and unfair. Your life is your own, and the only person you can – and should – compete with is yourself. Once we accept this, I think, we will find that envy touches us a lot less. We will welcome failure with good grace and success with humility. Most important of all, we will not run through life as though we’re in a race, and we will not feel the need, perhaps, to buy things in order to show people how successful we are.

id you know that having everything tidy doesn't always mean you're organized? You can be a neat "clutterer." Instead of asking, "Now, where do I put this?" ask, "Where will I find it?" There's a big difference in approach. When your office (or your life for that matter!) is too messy, you can't utilize your time wisely. You spend more time trying to find things than working on the project at hand. What's the clutter costing you? Most likely time, money, and, if you're operating a business, customers. And what message are you passing along to your family? Remember, being organized is not a personality trait. It's a skill you can learn. 'Me secret is to get organized and then maintain it over the long haul. Once you've accomplished that, you can meet the challenges of each new day with energy and enthusiasm.

Time is your most valuable asset. Money you can spend, lose, and get back. Once time is spent, you can never get it back. Spend your time wisely today.

Manifesto" I know that dying is how we escape the rest of our lives. I think that trees send us a message: do not believe you are lucky. The skins of apples and the peeler will marry; it's simply a question of when. Believe in mourning and carrion birds. Look how their fleshy treasures dissolve in the sun before their very eyes. To love something you must have considered what it means to do without. You must have thought about it—the coefficient of the body is another body—but do not forget that there are people who are willing to staple your palm to your chest. Know there are places it isn't wise to go. Begin again if you must: there are ways to make up for what you have been before, the dust in the corners that collects you. Sympathy is overrated. Rethink how lack becomes everyone's master, drives us into town and spends our money. Quiet: the trees are napping. Water meets itself again. We reach for the days that precede us and the world keeps us from knowing too much. The body loves music, the abandoned road of it; each day a peel lengthens in the shadow of blossoms, fabric weaves itself into light. Pay attention to the patterns. They repeat— terraces erode, groves lie fallow— order is cognate of joy.

Time is like spending from a bank account, and we don’t know how much money is in it. It’s best to be wise with our purchases.

Spend Money wisely, you can either make yourself or break yourself when you got money in hand.

Thought is the coin of heaven. Money is its earthly symbol. Every moment must be invented, and our inner talking reveals whether we are spending or investing. Be more interested in what you are inwardly 'saying now' than what you have 'said' by choosing wisely what you think and what you feel now.

Unlike other objects, money retains no trace of its origins and no trace of those through whom it has passed. Whereas a gift seems to partake of its giver, everyone's money is the same. If I have $2,000 in the bank, half from my friend and half from my enemy, I cannot choose to spend me enemy's $1,000 first and save my friend's. Each dollar is identical. Wisely, perhaps, many people refuse on principle to mix business with friendship, wary of the essential conflict between money and personal relationship. Money depersonalizes a relationship, turning two people into mere "parties to an exchange" driven by the universal goal of maximizing self-interest. If I seek to maximize self-interest, perhaps at your expense, how can we be friends? And when in our highly monetized society we meet nearly all our needs with money, what personal gifts remain from which to build friendship?

Profit is not just money earned. It’s the money that’s left over after the employers pay all their bills, including your paycheck and taxes. If the company makes a million dollars a year and spends $900,000 on bills, they have $100,000 in net profit—this 10 percent is considered good in most industries. But what if they have to pay extra for overtime because employees call in sick, or they have to replace merchandise damaged or stolen by staff, or they become embroiled in expensive lawsuits due to employee actions? Their profit quickly diminishes. And if employees give poor customer service, hurt the company’s reputation, or in other ways reduce business, by even just 5 percent, the employers’ net profit is reduced by another $50,000! Can you imagine striving all year to build a million-dollar business that earns little or no profit?! This is why hiring wisely is so important to employers. Business owners are in business to make money for themselves or their shareholders—even business owners who care about their employees, love what they do, want to make a difference, and give back to their community. Profit is what keeps them in business, gives you a job, and allows them to do the extra!

Foundation managers need to keep the message of O.P.M. in mind in more than one way. Of course, the money they spend is other people’s money because it came originally from one or more donors. But it is also other people’s money to the extent that taxpayers shoulder part of the cost of the foregone revenue from the capital and income earned on that capital through the tax breaks that foundations enjoy. For this reason, the taxpayers, too, have an interest in how wisely and well foundation money is spent. Thus, the general public has a real, tangible, even proprietary interest in a foundation’s deployment of its assets and in all of the ways it makes its decisions.

Let me describe how that same thought applies to the world of education. I recently joined a federal committee on incentives and accountability in public education. This is one aspect of social and market norms that I would like to explore in the years to come. Our task is to reexamine the “No Child Left Behind” policy, and to help find ways to motivate students, teachers, administrators, and parents. My feeling so far is that standardized testing and performance-based salaries are likely to push education from social norms to market norms. The United States already spends more money per student than any other Western society. Would it be wise to add more money? The same consideration applies to testing: we are already testing very frequently, and more testing is unlikely to improve the quality of education. I suspect that one answer lies in the realm of social norms. As we learned in our experiments, cash will take you only so far—social norms are the forces that can make a difference in the long run. Instead of focusing the attention of the teachers, parents, and kids on test scores, salaries, and competition, it might be better to instill in all of us a sense of purpose, mission, and pride in education. To do this we certainly can't take the path of market norms. The Beatles proclaimed some time ago that you “Can't Buy Me Love” and this also applies to the love of learning—you can't buy it; and if you try, you might chase it away. So how can we improve the educational system? We should probably first rethink school curricula, and link them in more obvious ways to social goals (elimination of poverty and crime, elevation of human rights, etc.), technological goals (boosting energy conservation, space exploration, nanotechnology, etc.), and medical goals (cures for cancer, diabetes, obesity, etc.) that we care about as a society. This way the students, teachers, and parents might see the larger point in education and become more enthusiastic and motivated about it. We should also work hard on making education a goal in itself, and stop confusing the number of hours students spend in school with the quality of the education they get. Kids can get excited about many things (baseball, for example), and it is our challenge as a society to make them want to know as much about Nobel laureates as they now know about baseball players. I am not suggesting that igniting a social passion for education is simple; but if we succeed in doing so, the value could be immense.

No one spends other peoples money wisely.