The advantages of work: Why you should take it seriously

The advantages of work are many, but often people fail to appreciate the importance of their work. So my question to you today, dear reader, is, how do you regard your work?

Perhaps for you, work is just a source of income, but by no means your passion.

Maybe it’s something you must do simply because you desperately need an income, but it doesn’t leave you feeling energized and motivated to do the best job you possibly could do?

Perhaps mostly you’re just going through the motions, doing the minimum you can get away with each day and longing for the weekend and time off.

Maybe you’re the sort of person who prefers to spend your time in the office chatting and drinking coffee with your workmates.

Does any of this sound like you, dear reader, or possibly a slightly exaggerated version of you?

If that’s not you and your work is your passion, or at least you take it seriously, then this article is not really for you.

This article is for readers who feel less than energised by the work they’re currently doing and those who need a timely reminder that there are good reasons for taking work seriously.

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Work is your livelihood:

If you’re not pulling your weight in your current job, then you should know that it won’t have gone unnoticed. Just because your boss has yet to say anything doesn’t mean he or she hasn’t noticed.

And if you’re building a reputation for being a slacker, then it’s only a matter of time before the company will find a reason to get rid of you, if you’re not careful.

You must appreciate that a business cannot carry costs that add little or no value to that business. That is, it can’t if its aim is to survive, at least.

Commercial reality will very quickly kick any business in the butt should its management fail to keep tight control on costs.

Companies are not registered charities.

Any costs must be covered by the prices charged. If a business bears unnecessary costs for long then the result will be pricing that is simply uncompetitive. And if the business isn’t competitive, then it will lose out to the competition.

Think about that for a second. As a consumer, if Company A is selling a product at a lower price than Company B, where will you buy it? You’ll go for the best price every time. No customer loyalty will survive even a small saving in price. To believe otherwise would be naïve.

So if you’re not adding value, then potentially you’re at risk of losing your job.

Your work is your livelihood, so losing your job could actually hurt you. In fact, the best way to appreciate your job is to imagine your life without it.

Work provides you with a sense of purpose:

The very essence of what work is all about is simple. Work is just doing stuff for other people in return for money. It gives us an income, but it also gives us a sense of purpose.

Through work, we apply our skills and know-how to deliver an output or an outcome for someone else. That may be an individual or an organisation, but either way, we are paid for what we actually deliver.

Essentially, that’s the psychological contract we enter into when we agree to do work for someone else.

If we’re not delivering what we’re paid to deliver, then we’re not doing our job properly. We are not fulfilling the psychological contract that is work.

Taking pride in our work is important, too. Our sense of purpose should drive us to do the best we can with the skills we have, and we should be constantly seeking to improve.

If we don’t love what we do at any given time, then we should be looking for ways to change our mindset to take a more positive view.

If we view our work positively, then we’re more likely to be energised by it, and if we’re energised by it then we’re more likely to do it well.

Work is how we make a difference:

You must also recognise that there’s a big difference between being busy and delivering real results. Never confuse industry with effectiveness. The two are very different things.

If I’m paying you to paint houses, then the only measure I will use to judge you on is how well and how efficiently you paint houses. I don’t really care how helpful you might have been to the electrician or the refuse collector.

Being busy doesn’t count for anything unless you’re busy doing the right things. Doing the right things is how we make a real difference. And surely we’d all like to make a difference?

Other benefits:

Having a job actually provides us with many benefits.

For a start, the income it generates allows us to put a roof over our heads and food on our table.

Managed carefully, the money we earn will put clothes on our backs and allow us to heat our homes.

And of course, it provides so much more, too.

Having a job gives us status, and our own income gives us a degree of independence and freedom.

All these things together improve our self-esteem.

And of course, work gives us a reason to get you out of bed each day.

Work is how we contribute to the society around us. Not just in what we actually do, but also in the taxes we pay. That’s how we pull our weight and justify membership in the society in which we live.

However, let us not forget the camaraderie we enjoy with work colleagues. People are social animals, and we need the company of others.

Yes, some of them will drive us nuts at times, but mostly they’re good people just like us, with lives just like ours and with whom we can relate.

We share their laughs, and we share their tears, too, at times; the good times and the bad times; it all makes life worth living.

Work allows us to engage with other people, and that’s very important.

Your work can be your legacy too:

Work is what we do for other people, and what we’ve done for other people is how we’ll be remembered long after we’re gone. So potentially your work is your legacy.

On that basis, whatever you do, strive to do it well.

It might not seem much to you, but it will matter to other people.

Have a sense of pride in your work, whatever it is. It doesn’t matter whether you sweep roads or you’re a skilled heart surgeon; we all have our place in society, and we all have our contribution to make.

And whatever role you play, no one is better than anyone else.

Enjoy your work or keep looking:

It’s important you find a way to enjoy your work because you spend a third of each day doing it.

Sometimes it’s just a case of looking at your work differently in order to appreciate what you have. However, sometimes, even then, for whatever reason, you’ll feel unhappy.

If you can’t find a way to enjoy your work, then find another job. One more suited to your natural talent, perhaps. However, until you find the right thing, you must grit your teeth and do your current work to the best of your ability.

And never, ever just walk away from a job without having another one to go to.

It is ironic, perhaps, but it’s always much easier to find another job when you already have one.

Without a job, a potential employer might wonder whether you’re unlucky or just a loser. And usually, employers will be reluctant to take a chance on you if they’re unsure.

Conclusion:

The importance of work to our lives and our self-esteem should not be underestimated. So do the work you’re paid to do and do it well. Do that, and success can be yours.

Don’t do your job properly, and you’ll struggle to hold on to it for very long. Lose it, and almost certainly you’ll regret it.

That’s the nature of work, it always has been, and it always will be.

Phil Sutton

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3 hilarious short story jokes guaranteed to raise a smile

3 hilarious short story jokes guaranteed to raise a smile

Dear reader, are you in need of a laugh? Then, how about these 3 hilarious short story jokes guaranteed to raise a smile?

They will have you howling with laughter, I’m sure.

Well, they certainly made me laugh.

So, I hope they brighten your day too.

Feel free to share them.

3 HILARIOUS SHORT STORY JOKES
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Hilarious short story jokes:

1. Getting married in Heaven:

A young Catholic couple, Patrick and Bernadette, were on their way to the church to get married. Sadly, their lives were cruelly cut short by a road traffic accident just before they would have reached their destination.

Nevertheless, they’d lived good and decent lives, so naturally, in an instant, they found themselves standing at the Pearly Gates in front of St Peter as he reviewed a clipboard to confirm their names were on the list.

As they stood there, Patrick said to St Peter, “Will it still be possible for us to get married in Heaven?

To be honest, I’m not sure”, said St Peter. “Believe it or not, this has never happened before. If you’ll bear with me, I will check it out for you.

With that, St Peter disappeared.

So Patrick and Bernadette sat down on a nearby golden bench, and they waited. And waited, and waited, and waited. They waited so long that a couple of months passed.

Naturally, in that time, they chatted about their future, the challenges of being married, and the fact that many of their friends who’d married had found it wasn’t always forever. Circumstances often change, and relationships can suffer.

Eventually, St Peter reappeared looking a little flustered.

Well”, said St Peter, “I have some good news for you both. I’m pleased to be able to tell you that you will be able to get married here in Heaven.”

Oh, that’s great!” said Bernadette enthusiastically.

Patrick wasn’t quite so enthusiastic in his reaction, though.

St Peter, I was just wondering”, said Patrick, “If we were to marry and things didn’t work out, would we be able to divorce in Heaven?”

St Peter’s response suggested that he was irritated by Patrick’s question, as he slammed his clipboard angrily on the ground.

St Peter, what’s the matter?” Bernadette enquired.

Oh, for Heaven’s sake!” said St Peter. “It’s taken me almost three months to find a priest here in Heaven. Do you have any idea how long it will take me to find a lawyer?

2. Age problems:

Jim was 85 years old, and he’d been playing golf every single day since he’d retired from work 20 years earlier.

One day, Jim arrives home from golf, and he’s obviously agitated.

What’s the matter, dear?” his wife, Mabel, enquired.

I’m going to give up golf”, Jim responded. “My eyesight is now so bad that once I hit the ball, I just can’t see where it’s gone.”

Mabel can see Jim is really upset, so she tries to be as sympathetic as possible.

Oh, don’t worry, dear. Let me make you a nice cup of coffee. You’ll feel better after that, I’m sure”, she says.

As they both sit down with their coffee, Mabel says, “Hey, I’ve got an idea. Next time you play golf, you could take my brother Sid with you.

But Mabel, how will that help?” says Jim, “Sid is 98!

Yes”, says Mabel, “but he still has perfect eyesight. He can be your eyes when you play.

So Jim agrees it’s probably worth a try, and he makes arrangements with Sid for the next day.

The next day, Jim heads off to the country club with Sid.

At the first tee, Jim tees up with an almighty swing, and he then squints down the fairway trying to see where his ball has gone.

Sid, did you see where my ball went?” asks Jim.

Sure!” says Sid. “I still have perfect eyesight.”

Jim waited momentarily, anticipating further information from Sid, but got nothing.

So where did it go then?” asks Jim.

Sid looked at him a little confused and then said, “Where did what go?

3. One kiss:

Alice was an attractive young woman, and she was shopping in a department store looking to buy material for a dress she was making.

At the fabric counter, she spotted some suitable material and said to the young male clerk behind the counter, “What’s the cost of this material, please?”

Well, miss, the price for that is just one kiss per yard,” replied the clerk, with a confident grin on his face.

That’s fine,” said Alice. “I’ll take ten yards, please.”

Well, the clerk couldn’t believe his luck. He quickly measured out the cloth, folded it carefully, wrapped it up, and then teasingly held the package out to Alice.

She, in turn, accepted the package, smiled and then, pointing to the elderly man behind her, she said, “My grandpa will settle the bill.

And with that, she proceeded to browse at the next counter.

Phil Sutton

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Warren Buffett’s Top 10 Rules for Success to Inspire You

Warren Buffett's Top 10 Rules for Success

Today, I offer you Warren Buffett’s Top 10 Rules for Success, dear reader.

If you want success, then it would be wise to listen to people who have already achieved some success.

Identify what they did to achieve their success and copy it.

If it worked for them, then it will probably work for you.

Now, there are few people more successful in their chosen field than Warren Buffett.

He offers you his ‘Top 10 Rules for Success’ in the video embedded here, and it’s worth your time to listen to him.

They are his top tips, and I recommend them to you.

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Warren Buffett’s Top 10 Rules For Success:

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Your support is appreciated, dear reader. Thank you.

Phil Sutton

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9 truly inspirational quotes worthy of a moment’s reflection

If something to inspire you is what you’re seeking today, then I have nine truly inspirational quotes just for you.

Four of them may be from the same author, but they’re all worthy of reflection. I found them inspirational, and I hope you do too.

Enjoy them all, and then please pass them on to your friends and colleagues.

9 Truly Inspirational Quotes
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Truly Inspirational Quotes:

  1. Time is a created thing. To say ‘I don’t have time’ is like saying, ‘I don’t want to.’ ~Lao-Tzu.
  2. Time is not something you FIND or MAKE. The clock and the calendar move on at their own pace, with or without you. Your choice is how you use it. ~Michael Josephson
  3. Sometimes life doesn’t turn out how you had expected or hoped. That doesn’t mean you can’t or won’t be happy. If you don’t limit yourself to your first version of your life there is always a bright future ahead. If you believe that the best is yet to come you will be right. ~Michael Josephson
  4. Doing what you like is FUN. Doing what you love is HAPPINESS. Doing what you want is FREEDOM. Doing what you say is INTEGRITY. Doing what you can is SERVICE. Doing what you must is DUTY. Doing what you should is CHARACTER. ~Michael Josephson
  5. It is not enough to exist, you must LIVE. It is not enough to survive, you must THRIVE. It is not enough to care, you must COMMIT. It is not enough to seek success, you must seek SIGNIFICANCE. It is not enough to live long, you must LIVE WELL. ~Michael Josephson
  6. Life is what you make it. You can be more than you are, but it won’t happen by accident. You need a “why,” and with a “why,” you’ll be able to bear any “how.” ~Lucius B. Wack
  7. Live every day as if it’s your last, because one day it will be. ~Anonymous
  8. Enjoy the life you have and make the most of every moment, because you’ll be dead for a long time. ~Anonymous
  9. Everyone has something to offer. If you can solve problems for other people, you’ll always earn a living. ~Joseph Crosby
Phil Sutton

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7 of the funniest jokes you’ll read today or any day

7 FUNNIEST JOKES

If you’ve been searching for the funniest jokes, then I’m sure you’ll enjoy the seven I have on offer here. They all made me laugh, and I hope you enjoy them. too, dear reader.

And if you do enjoy them, don’t forget to pass them on. You’ll be helping a keen blogger reach a wider audience. So, thank you.

FUNNIEST JOKES
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Funniest Jokes:

1. Fred & Ginger dining out:

Fred Astaire and Ginger Rogers were dining out in a very swanky, five-star New York City hotel, and they’d both made a point of dressing for the occasion.

Ginger looked absolutely stunning in her ball gown and diamond tiara, while Fred arrived in his trademark top hat, white tie and tails. They both looked like the million-dollar movie stars they were.

All was going well with dinner until they got to dessert. While serving dessert, the clumsy waiter managed to trip, and Fred was showered from head to toe in treacle pudding.

Oh, I’m most terribly sorry, Mr Astaire,” said the waiter.

Fred was not amused. “So you ought to be,” he said angrily.

Fred sat there fuming as the waiter tried his best to assist.

Look at the state of me now,” said Fred. “I’ve pudding on my top hat; pudding on my white tie; and pudding on my tails.

2. Church on Sunday:

Leaving church one Sunday, Bernadette said to her husband Frank, “Do you think Mrs O’Shaughnessy is dying her hair?

To be honest, Bernadette, I didn’t even notice Mrs O’Shaughnessy,” Frank responded.

They walked together quietly for a few moments, and then Bernadette remarked, “Did you see that skirt Mrs Kilkenny was wearing? Now don’t tell me you thought that was appropriate for a 40-year-old mother of six.

I’m afraid I didn’t really notice Mrs Kilkenny either,” said Frank.

Huh!” Bernadette responded dismissively. “A lot of good it does you going to church on Sundays.

3. The protest:

An isolated monastery was inhabited by an order of monks who communicated with each other solely by chanting.

Every morning, they would gather in the chapel, and the abbot would chant, “Good morning, assembled brethren.”

In response, the monks would chant, “Good morning, Father Abbot.”

However, one morning, a disgruntled monk decided to make his point by chanting, “Good evening, Father Abbot.”

The abbot was not amused, and he glared at the assembled monks before he said, “Someone chanted evening.”

4. Dogs and cats:

A German Shepherd dog, a Doberman, and a cat all die on the same day, and they find themselves at the Pearly Gates facing God’s judgment.

God is seated on a golden throne, and he asks each in turn what they believe in.

The German shepherd answers by saying, “Dear God, I’m a firm believer in discipline and loyalty to my master.

That’s excellent,” said God, “you may sit here at my right side.”

So, Doberman,” says God, “what is your response to my question?”

The Doberman reflects on the question momentarily and then says, “Dear God, I believe in love, care and the protection of my master and his family.

That’s very good,” said God, “you may sit here at my left side.”

God then looks at the cat, smiles, and then says, “So, my feline friend, what is it you believe?

A moment or two passes before the cat looks at God nonchalantly and then says, “I believe you’re sitting in my chair.

5. The will reading:

A lawyer was reading out the will of a wealthy man to his family and everyone mentioned in the document.

To my loving wife Mary, my rock, and without whom my life would have been very different, I leave the mansion in Bel-Air and $20 million,” the lawyer read out loud.

He paused momentarily for his audience to digest this information, and then he continued reading.

To my darling daughter Louisa, who supported me so much when my health began to fail and never once complained, I leave my business, my yacht, and $1 million,” said the lawyer.

Again, he paused momentarily to allow this information to sink in.

The lawyer then continued reading the final section of the will, “And to my brother Neville, who argued with me constantly, hated my guts, and thought I would never mention him in my will. Well, you were wrong. Hi Neville!

6. Engine trouble:

While cruising at 35,000 feet, the aircraft suddenly shuddered violently.

One passenger looked out of the window and then shouted, “Oh my God! One of the engines has just blown up.

The passengers were white with fear when moments later the aircraft was rocked by a second blast as an engine on the opposite side exploded.

Passengers started to panic, and the cabin crew struggled to keep order.

However, just then, the captain strode confidently from the cockpit and assured everyone that there was nothing about which they should be alarmed.

Reassured by the captain’s calm manner, passengers returned to their seats, and he coolly walked over to the aircraft’s door.

He then grabbed several packages from under the seats near the door and started handing them to the rest of the crew.

Crew members immediately fastened these packages to their backs.

One observant passenger said, “Hey, aren’t they parachutes?

Yes,” said the captain.

But you said there was no need to be alarmed,” the passenger responded.

There isn’t,” replied the captain as a third engine suddenly exploded. “We’re going to get help.

7. Cashflow problem at the zoo:

A zoo was experiencing serious cash flow problems due to visitor numbers falling.

The zoo’s management got together to discuss how they could reverse the trend by introducing a major attraction.

Following the meeting, the manager persuaded a visitor, who was a very big, stocky man, to take a job dressing up in a gorilla costume and masquerading as a great ape.

This deception worked well as the man really threw himself into the role with enthusiasm, devouring buckets of bananas, swinging from branches, pacing his cage menacingly, beating his chest and roaring loudly.

However, one day he went a bit too far, and he accidentally fell into the lion’s enclosure next door.

Panicking, the bogus gorilla started shouting, “Help! Help!

The lion let out a tremendous roar and then rushed at him. He put his paw on the bogus gorilla’s chest and growled, “Shut up, buddy, or we’ll both lose our jobs!

Phil Sutton

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45 Quotes by Napoleon Hill to inspire you to personal success

Although in modern times he’s become a more controversial figure, today I want to explore some quotes by Napoleon Hill. Regardless of any controversy, he’s a man whose written work I admire.

Oliver Napoleon Hill, to give him his full name, was an American self-help author. He is probably best known for his book Think and Grow Rich, which is among the 10 best-selling self-help books of all time and remains essential reading to this day, in my opinion.

Essentially, Napoleon Hill’s written work insists that impassioned expectations are essential to improving one’s life. That is, they suggest the need for a burning desire to improve one’s lot in life. Most of his books expound on these underlying principles for achieving success.

So let’s take a look at some of his many quotes. I found them inspiring, so I hope you will too.

Enjoy them all, and feel free to share them with your friends.

Quotes by Napoleon Hill
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Quotes by Napoleon Hill (1-20):

  1. You give before you get.
  2. A goal is a dream with a deadline.
  3. Don’t wait. The time will never be just right.
  4. Money without brains is always dangerous.
  5. Fears are nothing more than a state of mind.
  6. Ideas are the beginning points of all fortunes.
  7. The starting point of all achievement is desire.
  8. There is no such thing as something for nothing.
  9. Happiness is found in doing, not merely possessing.
  10. Your big opportunity may be right where you are now.
  11. If you do not conquer self, you will be conquered by self.
  12. If you cannot do great things, do small things in a great way.
  13. What the mind of man can conceive and believe, it can achieve.
  14. Effort only fully releases its reward after a person refuses to quit.
  15. Everyone enjoys doing the kind of work for which he is best suited.
  16. No man can succeed in a line of endeavour that he does not like.
  17. There are no limitations to the mind except those we acknowledge.
  18. All achievements, all earned riches, have their beginning in an idea.
  19. It takes half your life before you discover life is a do-it-yourself project.
  20. Strength and growth come only through continuous effort and struggle.

Quotes by Napoleon Hill (21-30):

  1. Big pay and little responsibility are circumstances seldom found together.
  2. You might well remember that nothing can bring you success but yourself.
  3. Education comes from within; you get it by struggle and effort and thought.
  4. Opportunity often comes disguised in the form of misfortune, or temporary defeat.
  5. The man who does more than he is paid for will soon be paid for more than he does.
  6. Patience, persistence and perspiration make an unbeatable combination for success.
  7. It is literally true that you can succeed best and quickest by helping others to succeed.
  8. More gold has been mined from the thoughts of men than has been taken from the earth.
  9. You don’t have to fear defeat if you believe it may reveal powers that you didn’t know you possessed.
  10. Edison failed 10,000 times before he made the electric light. Do not be discouraged if you fail a few times.

Quotes by Napoleon Hill (31-40):

  1. The world has the habit of making room for the man whose actions show that he knows where he is going.
  2. Wise men, when in doubt about whether to speak or to keep quiet, give themselves the benefit of the doubt, and remain silent.
  3. Nature cannot be tricked or cheated. She will give up to you the object of your struggles only after you have paid her price.
  4. Create a definite plan for carrying out your desire and begin at once, whether you’re ready or not, to put this plan into action.
  5. Until you have learned to be tolerant of those who do not always agree with you, you will be neither successful nor happy.
  6. Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything.
  7. Reduce your plan to writing. The moment you complete this, you will have definitely given concrete form to the intangible desire.
  8. Until you have formed the habit of looking for the good instead of the bad there is in others, you will be neither successful nor happy.
  9. The battle is all over except for the ‘shouting’ when one knows what is wanted and has made up his mind to get it, whatever the price may be.
  10. Think twice before you speak, because your words and influence will plant the seed of either success or failure in the mind of another.

Quotes by Napoleon Hill (41-45):

  1. Until you have cultivated the habit of saying some kind word of those whom you do not admire, you will be neither successful nor happy.
  2. There is one quality which one must possess to win, and that is definiteness of purpose, the knowledge of what one wants, and a burning desire to possess it.
  3. You can start right where you stand and apply the habit of going the extra mile by rendering more service and better service than you are now being paid for.
  4. Success in its highest and noblest form calls for peace of mind and enjoyment and happiness which come only to the man who has found the work that he likes best.
  5. It has always been my belief that a man should do his best, regardless of how much he receives for his services, the number of people he may be serving or the class of people served.
Phil Sutton

Think and Grow Rich:

Napoleon Hill’s book Think and Grow Rich reveals the money-making secrets of hundreds of America’s most affluent people.

The underlying message in the book is that by thinking like them, you can become wealthy like them, and the book offers a 13-step program that will set you on the path to wealth and success.

According to Hill, the magic formula for making money never changes, and he has certainly inspired many people to pursue personal wealth successfully.

If you aim to become successful and wealthy, then I recommend you read Think and Grow Rich.

It’s still available, and you can check it out on Amazon.

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How much money is enough?

You may feel you would like more money in your pocket, but have you ever asked yourself the philosophical question, “How much money is enough?

If you ask a billionaire, the response is likely to be that no amount is enough. Let’s face it, they become billionaires because they’re constantly driven to make money.

However, other people might modestly settle for, say, $1 million.

People who are a little more thoughtful might give you a different number, somewhere between the two extremes, possibly.

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We all need money, and we all want a decent standard of living.

However, always remember that there is a cost to chasing money. And that cost, among other things, is the impact it has on your time.

We can get more money, but we can never get more time. We all get 168 hours each week, and that’s it.

So, there comes a point where there might be a better way to spend your time than to chase more money.

And you’ll never know if you’ve reached that point if you don’t define it.

Studies have shown that happiness doesn’t increase beyond an income of around $70-80k per year.

That might seem modest, but it’s probably a comfortable living in most parts of the country.

However, it’s not enough to drive a new Mercedes every three years and vacation in Europe with the family every summer.

It would be tough to send your child to Harvard on a $70,000 salary.

So, ask yourself, How much is enough?

The answer is that it all depends on you and your circumstances.

To consider how much you need to live fully, think about the following:

How old are you?

How much longer can you reasonably expect to live?

If you’re 90, you probably require less money for the rest of your life than people in their 20s and 30s.

There are actuarial tables that can tell you how much longer you’re expected to live. However, you should plan to live longer than expected!

You will find an example of actuarial tables HERE and you might find this useful.

How much are your monthly expenses?

What would your expenses be if you were living the life of your dreams?

Let your imagination run wild. What expenses would you have?

A new bowling ball each year or a second house in Vail, Colorado? A housekeeper? A thoroughbred racehorse?

It’s your life. Determine how much it would take to finance what you think is your ideal life.

Who are you responsible for?

Do you have three children who will attend college in the next 10 years?

Do you have a spouse who doesn’t work?

Do you care for an ageing parent or parents?

For how long do you expect to have responsibility for financially providing for others?

Ultimately, you must consider every potential demand on your wallet or purse.

What is your current debt situation?

Do you have 20 years left on a mortgage hanging over your head?

Significant medical bills?

Credit card debt to repay?

Debt must be financed, and repayments must be made. So, you can’t ignore debt.

None of us can go on forever. At some point, we must all take life at a slower pace.

So, when would you like to retire, and how much do you need each month to live comfortably?

How would you like to spend your retirement?

Do you want to travel regularly?

Play golf every day?

How much would a typical month in your ideal lifestyle retirement cost?

What toys do you want to own? And by that, I mean serious toys.

A plane? A Porsche? A boat? A holiday home in Aspen or Tuscany? Swimming pool? Motorcycle?

If they give you pleasure, then it’s reasonable to work towards owning them

Then again, maybe you value your free time above all else and would be happy living a simple life with a Labrador retriever and a large vegetable garden, reading books all afternoon.

The choice is yours. Equally, you can go as far as your imagination will take you.

There are no right or wrong answers to the question, “How much money is enough?

Everything depends on your desires and circumstances.

The number for you might be quite small or very high.

It’s just your number. It’s personal, that’s all.

If you’ve never considered how much money you need, then take the time to think about it.

Having money and financial freedom is great for a couple of things, in particular solving problems and providing choices.

However, beyond that, it has limited value.

Certainly, it’s a mistake to use money to establish status. Worrying about impressing your peer group should be left to teenagers.

Needing money for the wrong things is limiting. It requires working longer and harder than necessary.

You could be doing other things with your limited time on Earth.

Phil Sutton

Think long and hard about what is most important to you.

Ensure that you develop an income, savings, and net worth to acquire the possessions and freedom that will allow you to live your life the way you desire.

Spend time addressing this important issue, and you might be able to quit working sooner than you think.

However, have money in your head but never in your heart.

And never let your pursuit of money prevent you from spending time with family and friends.

A lonely old age would be a heavy price to pay for wealth creation.

There is little point in being the richest person in the graveyard with no one to mark your passing.

And never, ever forget to spend at least some of your time enjoying yourself. As we say where I come from, you’ll be a long time dead!

7 Money Rules: Personal Finance Decisions Made Simple

Let’s be honest: personal finance doesn’t need to be complicated, but it does need to be intentional.

You don’t need a finance degree, a six-figure salary, or a spreadsheet obsession to master the art of managing your money effectively.

However, what you do need are some clear rules that remove emotion from decisions and put you in full control.

For me, the seven money rules I offer you here are simple, practical, and powerful.

Follow them consistently, and your financial life will start to feel lighter, calmer, and perhaps even a little bit exciting.

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This is the golden rule of money management.

Before bills. Before subscriptions. Before random spending. You come first.

Paying yourself first means automatically setting aside money for savings or investments as soon as your income hits your account. Even if it’s small at first, the habit matters more than the amount.

Think of it this way: if you don’t prioritize your future, no one else will. It’s that simple.

So, start treating savings like a non-negotiable bill, because the future you is counting on it.


Saving is great. Investing is better.

Money sitting in a bank account is safe, but the interest rate at any given time is unlikely to compensate you for inflation. So, that’s not the way to grow capital.

Investing your money over time is what will provide you with the potential for capital growth.

Committing to investing at least 10% of your income every month puts time and compound growth on your side.

Start where you are now.

The earlier you invest, the harder your money works. And you need it to work hard while you sleep, while you work your day job, and even when you are binge-watching your favourite shows.


This is a simple rule with a life-changing impact.

If you consistently spend more than you earn, no strategy in the world can save you financially. You will be doomed.

If you spend less than you earn—even by a little—you create breathing room, choices, and freedom.

This isn’t about deprivation. It’s about intentional spending.

Spend generously on what matters to you and ruthlessly cut everything that doesn’t.


This one’s tough because comparison is everywhere.

The cars, the clothes, the vacations, the “effortless” lifestyles on social media? Most of it is funded by debt and stress. And that’s a price you don’t want to pay.

True confidence comes from living within your means—not pretending you’re richer than you are.

Build a lifestyle that supports your goals, not one that sabotages them.


If it doesn’t last—and doesn’t earn—you shouldn’t borrow for it.

Vacations, gadgets, designer items, nights out… these are wants, not needs.

Using debt to pay for them means enjoying the moment while the future you pays the bill (with substantial interest).

If you can’t pay cash for discretionary spending, it’s a sign to pause—not swipe.

Live without it until you’ve got the cash to pay for it.


Not all debt is evil—but it must be strategic.

Debt should be used to acquire assets that either appreciate in value or generate income.

Property is a classic example when done wisely.

The key question to ask is:

If the answer is no, rethink it.


Impulse spending is the silent killer of good financial intentions.

Here’s the fix:

Most of the time, the urge fades.

And when it doesn’t? You’ll buy with clarity instead of emotion.

This single rule can save you thousands over a lifetime, without making you feel restricted.


Managing your money well isn’t about being perfect. It’s about being consistent.

These seven rules create structure, confidence, and momentum. They will help you stop reacting to money and start directing it.

You don’t need to do everything at once.

Start with one rule. Then another. Over time, small decisions stack up into big results.

Your money should support the life you want—not control it.

And the best time to take control? Right now.

You’re smarter than you think. You’ve got this!

Phil Sutton

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21 quotes about success that will make you think

Today I am exploring quotes about success.

Many people say they want to be successful, but few achieve success in any meaningful way.

That said, one person’s success is another person’s failure.

We all have different ideas about what constitutes success.

For some people, it’s all about owning a million-dollar mansion, whereas for others, just being happy and content would be their measure of success.

Quotes about success
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What does success mean to you?

There are 21 thought-provoking quotes about success in today’s post to help you reflect on what success means to you.

However you choose to define success, it is possible to get to where you’d like to be with effort and determination.

Just decide where you want to go and don’t stop until you get there, though not before you’ve read today’s thought-provoking quotes about success.

Not only are they thought-provoking, but you should find them motivating and inspirational too, dear reader. I hope so, anyway.

Quotes about success:

  1. Amateurs sit and wait for inspiration, the rest of us just get up and go to work. ~Stephen King
  2. Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful. ~Herman Cain
  3. Do not be embarrassed by your failures, learn from them and start again. ~Richard Branson
  4. Victory is sweetest when you’ve known defeat. ~Malcolm S. Forbes
  5. The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny. ~Albert Ellis
  6. You’ve got to get up every morning with determination if you’re going to go to bed with satisfaction. ~George Lorimer
  7. If you want to make an easy job seem mighty hard, just keep putting off doing it. ~Olin Miller
  8. The successful man is the one who finds out what is the matter with his business before his competitors do. ~Roy L. Smith
  9. Love yourself first and everything else falls into line. You really have to love yourself to get anything done in this world. ~Lucille Ball
  10. Quotes about successSuccess is not measured by what you accomplish, but by the opposition you have encountered, and the courage with which you have maintained the struggle against overwhelming odds. ~Orison Swett Marden
  11. You have to learn the rules of the game. And then you have to play better than anyone else. ~Albert Einstein
  12. Things may come to those who wait, but only the things left by those who hustle. ~Abraham Lincoln
  13. Don’t let what you cannot do interfere with what you can do. ~John R. Wooden
  14. Spend eighty per cent of your time focusing on the opportunities of tomorrow rather than the problems of yesterday. ~Brian Tracy
  15. Success means having the courage, determination, and will to become the person you believe you were meant to be. ~George Sheehan
  16. The secret to success in life is for a man to be ready for his opportunity when it comes. ~Benjamin Disraeli
  17. There are two types of people who will tell you that you cannot make a difference in this world: those who are afraid to try and those who are afraid you will succeed. ~Ray Goforth
  18. Don’t wait. The time will never be just right. ~Napoleon Hill
  19. You can teach a student a lesson for a day; but if you can teach him to learn by creating curiosity, he will continue the learning process as long as he lives. ~Clay P. Bedford
  20. The first step toward success is taken when you refuse to be a captive of the environment in which you first find yourself. ~Mark Caine
  21. Success is the sum of small efforts, repeated day-in and day-out. ~Robert Collier
Phil Sutton

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15 Quotes by Albert Einstein to inspire you

Today, I am exploring quotes by Albert Einstein.

Albert Einstein was a German-born theoretical physicist, probably best known for the theory of relativity, amongst other things.

Certainly, his work had a major influence on the philosophy of science.

However, he was also widely respected as a great thinker, and many of the quotes attributed to him offer much for developing our personal philosophy.

Here are 15 quotes by Albert Einstein to prove the point:

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Quotes by Albert Einstein:

  1. Any man who can drive safely while kissing a pretty girl is simply not giving the kiss the attention it deserves. ~Albert Einstein
  2. Everyone should be respected as an individual, but no one should be idolized. ~Albert Einstein
  3. Strive not to be a success but rather to be of value. ~Albert Einstein
  4. Information is not knowledge. ~Albert Einstein
  5. The only source of knowledge is experience. ~Albert Einstein
  6. If you can’t explain it simply, you don’t understand it well enough. ~Albert Einstein
  7. Weakness of attitude becomes weakness of character. ~Albert Einstein
  8. Learn from yesterday, live for today, and hope for tomorrow. The important thing is not to stop questioning. ~Albert Einstein
  9. Great spirits have always encountered violent opposition from mediocre minds. ~Albert Einstein
  10. It is a miracle that curiosity survives formal education. ~Albert Einstein
  11. The world is a dangerous place to live, not because of the people who are evil, but because of the people who don’t do anything about it. ~Albert Einstein
  12. Only two things are infinite: the universe and human stupidity, and I’m not sure about the former. ~Albert Einstein
  13. It’s not that I’m so smart; it’s just that I stay with problems longer. ~Albert Einstein
  14. You ask me if I keep a notebook to record my great ideas. I’ve only ever had one. ~Albert Einstein
  15. Sometimes one pays most for the things one gets for nothing. ~Albert Einstein

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If you could share this post, I would appreciate it. You would be helping a keen blogger reach a wider audience.

Thank you for being so supportive.

Phil Sutton