Why & How, by those more wise

How can we help you? Allow us to use the words of others.

1. The essence.

Annual income twenty pounds, annual expenditure nineteen nineteen six – result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six – result misery. (David Copperfield by Charles Dickens)

In the absence of clearly defined goals, we become strangely loyal to performing daily acts of trivia. (Unknown)

2. Take Action.

Life isn’t a dress rehearsal (Kerry Packer)

Three things that never come back, a spent arrow, the spoken word, the lost opportunity.

Many receive advice, only the wise profit from it. (Publilus Syrus: Maxims)

3. Where are you now, what is the starting point.

Drive thy business or it will drive thee. (Benjamin Franklin)

In the business world, the rear-view mirror is always clearer than the windshield. (Warren Buffet)

Knowledge is power. (Sir Frank Bacon)

Trouble is only opportunity in work clothes. (Henry Kaiser)

The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore, all progress depends on the unreasonable man. (Bernard Shaw)

4. Plan where you want to be.

If you don’t know where you are going, any road will take you there (Doug Horton)

A goal without a plan is just a wish. (Antoine de Saint-Exupery)

If you think you can’t, you’re right

If you think you can, you’re right (Ken Hathon)

5. Develop strategies and systems to get you to your goal.

We are what we repeatedly do. Excellence, then is not an act, but a habit. (Aristotle)

There is nothing so wasteful as doing with great efficiency that which doesn’t have to be done at all.

A common mistake that people make when trying to design something completely foolproof is to underestimate the ingenuity of complete fools. (Douglas Adams)

6. Forecast tomorrow to make decisions today.

It is better to have a hen tomorrow than an egg today (Thomas Fuller)

All progress is based upon a universal innate desire on the part of every organism to live beyond its income. (Samuel Butler)

We didn’t actually overspend our budget. The allocation simply fell short of our expenditure. (Keith Davis)

Don’t focus on how to spend less money, focus on how to make more money. (Lyndan Forman)

7. Tax is a cost of doing business, like all other costs, manage it.

In this world nothing is certain but death and taxes (Benjamin Franklin)

The hardest thing in the world to understand is income tax. (Albert Einstein.)

Any one can so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose a pattern which will best pay the Treasury; there is not even a patriotic duty to increase one’s taxes. (Learned Hand)

A fine is a tax for doing wrong. A tax is a fine for doing well.

Too many business decisions are made on the basis of tax consequences rather than what makes good business sense. (Harold Igaldoff)

I’m spending a year dead for tax reasons. (Douglas Adams)

8. Implement the plan

Three rules of work.

1. Out of clutter, find simplicity,

2. From discord, find harmony.

3. In the middle of difficulty lies opportunity. (Albert Einstein)

The art of war is to avoid big battles. (Sun Tzu)

We will either find a way or make one. (Hannibal.)

9. But don’t forget to manage change.

People don’t fear change. They fear the unknown. (B. Brown)

The greatest mistake you can make in life is to be continually fearing you will make one. (Elbert Hubbard)

May you live in interesting times. (Chinese curse)

10. Identify and manage the risks

The bow too tensely strung is easily broken. (Publilus Syrius)

We should be careful to get out of an experience only the wisdom that is in it – and stop there; lest we be like the cat that sits down on a hot stove lid. She will never sit down on a hot stove lid again – and that is well: but also she will never sit down on a cold one anymore. (Mark twain)

One day the man walked out and his widow walked in (Ben Fieldman)

11. Are we having fun yet? Measurement/Accounting.

What you can measure, you can manage.

Accounting: a convincing explanation that reveals basic causes.

No man acquires property without it a little arithmetic also. (R.W. Emerson “Representative Man”)

Experience is that marvellous thing that enables you to recognize a mistake when you make it again. (Garry Marshall)

My problem lies in reconciling my gross habits with my net income. (Errol Flynn)

12. and with the spoils, invest.

Time is money (Benjamin Franklin)

In investing money the amount of interest you want should depend on whether you want to eat well or sleep well (J. Kenfield Morley)

October – This is a particularly dangerous month to speculate in stocks – the others are July, January, September, April, November, May, March, June, December, August and February. Mark Twain- Pudd’n Wilson XIII)

13. So a future that is comfortable, Retirement Planning.

Money gives a man 30 more years of dignity. (Chinese Proverb)

Money frees you from doing things you dislike. Since I dislike doing nearly everything, money is handy. (Groucho Marx)

14. But it should be fun.

There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle. (Albert Einstein)

It’s not the men in my life. It’s the life in my men (Mae West)

I’d rather die standing, than live my life on my knees. (Midnight Oil)

One of the symptoms of an approaching nervous breakdown is the belief that one’s work is terribly important. (Bertrand Russell)

Advice is judged by results not by intentions. (CICERO – Ad Atticum IX)