JP Visto

“Perfer et obdura, dolor hic tibi proderit olim. (Be patient and tough; someday this pain will be useful to you.)”
― Ovid

“You must gain control over your money or the lack of it will forever control you.”
― Dave Ramsey

“A budget is telling your money where to go instead of wondering where it went.”
― Dave Ramsey

“Years ago, in a motivational seminar by the master, Zig Ziglar, I heard a story about how mediocrity will sneak up on you. The story goes that if you drop a frog into boiling water, he will sense the pain and immediately jump out. However, if you put a frog in room-temperature water, he will swim around happily, and as you gradually turn the water up to boiling, the frog will not sense the change. The frog is lured to his death by gradual change. We can lose our health, our fitness, and our wealth gradually, one day at a time. It might be a cliché, but that’s because it is true: The enemy of “the best” is not “the worst.” The enemy of “the best” is “just fine.”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness