Avoid the philosophy and excuse that yesterday's luxuries have become today's necessities. They aren't necessities unless we ourselves make them such. . . . It is essential for us to live within our means.
Courage becomes a worthwhile and meaningful virtue when it is regarded not so much as a willingness to die manfully but as a determination to live decently.
I urge you to live within your means. One cannot spend more than one earns and remain solvent. I promise you that you will then be happier than you would be if you were constantly worrying about how to make the next payment on nonessential debt.
We will never regret the kind words spoken or the affection shown. Rather, our regrets will come if such things are omitted from our relationships with those who mean the most to us.