"Tough times never last, but tough people do!" — Robert H. Schuller

"Your present circumstances don't determine where you can go; they merely determine where you start." — Nido Qubein

“Being honest may not get you a lot of friends but it'll always get you the right ones.” — John Lennon

“Fools multiply when wise men are silent.” — Nelson Mandela

“Fools multiply when wise men are silent.” — Nelson Mandela

“There are two ways to be fooled. One is to believe what isn't true; the other is to refuse to believe what is true.” — Søren Kierkegaard

“There are two ways to be fooled. One is to believe what isn't true; the other is to refuse to believe what is true.” — Søren Kierkegaard

"A thousand fools believe a lie, and it's good as truth.” — Joan Slonczewski

“Being honest may not get you a lot of friends but it'll always get you the right ones.” — John Lennon

"The way to wealth depends on just two words, industry and frugality."

— Benjamin Franklin

"The way to wealth depends on just two words, industry and frugality."

— Benjamin Franklin

We are exactly where we have chosen to be.

- Vernon Howard

We are exactly where we have chosen to be.

- Vernon Howard

Ninety-nine percent of all failures come from people who have a habit of making excuses.

— George Washington Carver

Don’t tell me what you value, show me your budget, and I’ll tell you what you value.

— Joe Biden

"You must learn to save first and spend afterwards." — John Poole

"The world doesn't pay you for what you know; it pays you for what you do." — Jack Canfield

"In order to succeed, we must first believe that we can." — Nikos Kazantzakis

“The indispensable first step to getting the things you want out of life is this; decide what you want.” - Ben Stein

"Formal education will make you a living; self-education will make you a fortune." - Jim Rohn

"The indispensable first step to getting the things you want out of life is this; decide what you want." - Ben Stein

“Many speak the truth when they say that they despise riches, but they mean the riches possessed by other men.” – Charles Caleb Colton

"Marami ang nagsasabi ng totoo kapag sinabi nilang ayaw nila sa kayamanan, pero ang tinutukoy talaga nila ay ang kayamanang pinagsikapan at pagmamay-ari ng iba." - Charles Caleb Colton (Translated quote)

“Some people don't get to succeed in life because they spend most of their energy and time being envious of those who have succeeded, instead of learning from them.” - Edmond Mbiaka

"Success is the sum of small efforts, repeated day in and day out." - Robert Collier

"Before borrowing money from a friend, decide which you need most." - American Proverb

"Never mistake activity for achievement." - John Wooden

"The lack of money is the root of all evil." - Mark Twain

"Beware of little expenses. A small leak will sink a great ship." - Benjamin Franklin

"An investment in knowledge pays the best interest." - Benjamin Franklin

"You are the average of the five people you spend the most time with." - Jim Rohn

"The greatest danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it." - Michelangelo (Your dreams are worth earning, so build them BIG and help others do the same.)

Think you are weak, think you lack what it takes, think you will lose, think you are second class - think this way and you are doomed to mediocrity. - David J. Schwartz