30 sharp and funny quotes by George Carlin

Today I thought it would be a good idea to look back at some funny quotes by George Carlin.

The late George Carlin was an American stand-up comedian, actor, philosopher, author, and social critic. He’s probably best known for his sardonic, irreverent wit and his reflections on politics, the English language, psychology, religion, and various other taboo subjects.

Sadly, George Carlin died on June 28, 2008, in Santa Monica, CA. He was 71 years old.

I loved his irreverent wit, and I thought he was a funny man.

If you’re unfamiliar with his work, then it’s worth checking out some of the many videos of his performances that you’ll find on YouTube.

Here are 30 funny quotes by George Carlin that I’m confident will get you thinking about life, the universe, and everything.

Enjoy them all.

And please, feel free to pass them on.

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Funny quotes by George Carlin


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25 inspirational quotes about success to motivate you

If you’re looking for inspirational quotes about success, you should consider what success means to you. Your definition of success will not necessarily be the same as someone else’s.

Success for you might be nothing more than being happy and content.

That’s admirable, of course. There’s nothing wrong with having that as your goal. However, someone else might be looking for a lot more from life.

For them, success might be an Olympic gold medal or winning the Super Bowl.

So, before you pursue success, you would do well to reflect on what it means to you and why you want it.

Success is desired by many but achieved by only a few.

To be successful, you have to want it so bad that it hurts.

That’s why it’s important to know your why.

You must be focused on your goals; you must be disciplined; you must be determined; you must be prepared to make sacrifices; you must be prepared to work very, very hard; and you must possess self-belief too.

Remember, nothing worth having ever comes easy.

If you want success, you must be prepared to pay the price in blood, sweat, and tears. And that price must always be paid first.

You’ll get nothing before you’ve paid the price.

You’ll find that even people who are an ‘overnight success’ have spent years honing their skills before favourable circumstances provided them with an opportunity to shine like a star.

Nothing happens overnight. You’ve got to work at it and keep working at it.

And remember this too: you’ll experience failure from time to time, and you’ll question whether you’re good enough over and over again.

The temptation to quit will be overwhelming at times. You’ll be constantly tempted to settle for an easier life. Don’t!

Success can be achieved if you stick to it and keep going. Focus on the prize.

Success can be yours if you work hard and hang on until you achieve whatever it is that you want to achieve. Just go for it!

And remember also, it’s better to try and fail than never have tried at all. At least you won’t spend the rest of your life wondering what might have been.

Here are 25 interesting and inspirational quotes about success.

Inspirational Quotes About Success

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15 powerful quotes by Khalil Gibran to make you think

If you’re looking for quotes by Khalil Gibran, I have some excellent ones for you today.

However, if you are unfamiliar with Khalil Gibran, he was a Lebanese writer, poet, and visual artist.

As a young man, Gibran moved with his family to the United States, where he studied art and began his literary career.

In the Arab world, he is regarded as a literary and political rebel, but he is widely respected as a great thinker, and his work offers some interesting insights into life and its meaning.

So here are 15 quotes by Khalil Gibran guaranteed to make you think.

And if you prefer, there’s a video version of the quotes below.

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Quotes by Khalil Gibran:

  1. To belittle, you have to be little. ~Khalil Gibran
  2. We are all like the bright moon; we still have our darker side. ~Khalil Gibran
  3. The smallest act of kindness is worth more than the greatest intention. ~Khalil Gibran
  4. Friendship is always a sweet responsibility, never an opportunity. ~Khalil Gibran
  5. You may forget with whom you laughed but you will never forget with whom you wept. ~Khalil Gibran
  6. If you reveal your secrets to the wind, you should not blame the wind for revealing them to the trees. ~Khalil Gibran
  7. Out of suffering have emerged the strongest souls; the most massive characters are seared with scars. ~Khalil Gibran
  8. Ever has it been that love knows not its own depth until the hour of separation. ~Khalil Gibran
  9. It takes a minute to have a crush on someone, an hour to like someone, and a day to love someone, but it takes a lifetime to forget someone. ~Khalil Gibran
  10. Generosity is giving more than you can, and pride is taking less than you need. ~Khalil Gibran
  11. You give but little when you give of your possessions. It is when you give of yourself that you truly give. ~Khalil Gibran
  12. To understand the heart and mind of a person, look not at what he has already achieved, but at what he aspires to. ~Khalil Gibran
  13. They deem me mad because I will not sell my days for gold, and I deem them mad because they think my days have a price. ~Khalil Gibran
  14. You talk when you cease to be at peace with your thoughts. ~Khalil Gibran
  15. Trust in dreams, for in them is the hidden gate to eternity. ~Khalil Gibran
Phil Sutton

Video with audio commentary:

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How to get motivated and achieve big things

How to get motivated and achieve big things is a common question I’m asked. Coming up with ideas is easy, but getting motivated can be much harder.

Do you have a problem getting motivated? You know what you’d like to do, but you just can’t seem to get going.

Many people feel this way, and, if I’m honest, I can be like that too. So whenever I struggle to get going, I like to watch a motivational video or listen to a motivational podcast or audiobook.

When I need a little push, I listen to people who inspire me. People like Jim Rohn, Tony Robbins, and Brian Tracy.

And here’s another inspiring speaker from TEDxVirginiaTech. In this video, Scott Geller talks about the psychology of self-motivation. I found this very useful, and I hope you will too. Certainly, it’s worth your time to listen to it.

How to get motivated
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Thank you.

Phil Sutton

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5 funniest jokes about law and order

Dear reader, are you in need of a good laugh? Well, here are 5 of the funniest jokes about law and order to brighten your day. They all made me smile, so I hope you’ll enjoy them too.

They say laughter is the best medicine, and I agree. When you’re feeling down and in need of cheering up, few things have a greater impact than a good joke.

So relax, take a few minutes, and enjoy them all. And please feel free to pass them on.

FUNNIEST JOKES about law and order
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Funniest jokes about law and order:

1. Rookie cop:

Jake is a rookie cop, and he’s on his first day in a patrol car.

His partner is Vinny, an experienced cop who’s been around the block a few times, and he knows the score.

Nothing much happens for the first hour of their shift, but then suddenly they get a call on the radio asking them to disperse a group of people who’ve been reported as loitering on Main Street.

Let me deal with this one, Vinny,” says Jake, all pumped up and ready to go.

OK, buddy, go for it!” Vinny responds.

As their patrol car approaches Main Street, they can see a small crowd on the corner.

So Jake jumps out of the patrol car, approaches the small crowd, and says, “Okay, people, can we move along now, please? Come on now, as quickly as you can. Nothing to see here. Surely you’ve all got homes to go to?

The crowd ignores Jake’s instruction, so he feels compelled to repeat his command: “Come on now, move along, please. There’s nothing to see here. Failure to comply with a police officer’s instruction is a misdemeanour, and I will have to book you if you don’t move along.

Well, his comment about being booked seems to do the trick because people then start to drift away in different directions.

His confidence now boosted by his apparent success, Jake gets back into the patrol car.

Jake smiles at Vinny and says, “Not a bad start, don’t you think?

Yeah, I guess so,” says Vinny. “Pity it was Bus Stop though.

2. Don’t mess with old people:

Fred is an older man living on his own when he spots burglars breaking into the shed in his garden one night.

Naturally, he’s left feeling a little insecure by this turn of events, so he calls 911.

Well, the 911 operator advises Fred that there are no patrol cars available in his area to help him right now.

So Fred hangs up the phone and waits for a few minutes before he calls 911 again.

I called you a few minutes ago to report burglars in my garden shed. Well, you can cancel my request for help now because I’ve just shot them all,” says Fred.

Within minutes, there are three patrol cars outside Fred’s house with sirens wailing and blue lights flashing.

One of the police officers marches up the drive and says to Fred, “I thought you said you’d shot them all?

And I thought you said that there were no patrol cars available,” says Fred.

3. Driving Lesson:

Bill is giving his teenage son, Jack, a driving lesson.

Suddenly, Jack makes a right turn on a red light.

Oh, no!” shouts Bill. “I think you’ve just made an illegal turn.”

Take a chill pill, Dad,” Jack responds. “The police car right behind us has just done the same thing.

4. Speeding Driver:

A police officer, Jim Murphy, stops a speeding car.

As Officer Murphy approaches the vehicle, it’s obvious to him that the driver is extremely agitated. So, naturally, Officer Murphy is cautious.

Good afternoon, sir,” said the police officer. “Do you know why I’ve stopped you?

Yes, officer,” the driver responds. “I was speeding. But you’ve got to understand, I’m in a life-or-death situation.”

Really?” Officer Murphy responds, quizzically. “And why is that, sir?

Officer,” the man continues, “a naked woman is waiting for me at my house.”

Well, I don’t see how that’s a matter of life or death, sir,” says Officer Murphy in response.

It is,” the driver continues, “because if I don’t get home before my wife does, I’m a dead man!

5. Silence in court:

Jim is in the dock, facing a double murder charge.

You are charged with beating your wife to death with a spanner,” says the judge.

Hearing this charge, a man in the public gallery screams, “You son of a bitch.

Ignoring this interruption, the judge continues, “You are also charged with beating your wife’s lover to death with a spanner.”

Again, the man in the public gallery screams, “You son of a bitch.

Irritated by this second interruption, the judge turns her attention to the gallery and says, “Sir, I understand your outrage at what are terrible crimes, but I will not tolerate another such outburst in this courtroom. Interrupt again, and you will be held in contempt of court.

I’m sorry, your honour,” said the man, “but I’ve lived next door to this son of a bitch for 12 years, and every time I’ve asked to borrow a spanner he told me he didn’t have one.

Phil Sutton

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I hope you found these the funniest jokes about law and order, dear reader.

However, perhaps you feel that you could still use a good laugh. If so, click on the links below. You’ll find plenty of smiles to amuse you.

And if you’ve enjoyed what you’ve read here today, then please share these jokes with all your friends on social media. When you share, everyone wins. It’s always a good idea to pass on the smiles.

So go on, please do it now. I will be ever so grateful.

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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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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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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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When you share, everyone wins.

So, please share it now. If you do, I will be forever grateful.

I appreciate your support, dear reader. Thank you.

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25 funny short jokes to brighten your day

If you’re looking for some funny short jokes, today’s post is for you, dear reader.

Now, life can be tough for everyone, don’t you think?

It can be stressful at times, too.

When life is getting you down, laughter is always the best medicine.

In fact, laughter is always great medicine, regardless of how you’re feeling.

However, the problem can be finding the time to go in search of a laugh or two.

Which is why, dear reader, I’ve done the work for you.

I’ve been digging around, looking for funny short jokes that might just help readers relax a little.

So today I offer you 25 great, funny short jokes that are guaranteed to brighten your day.

Well, hopefully, anyway. I’m confident that most of them will brighten your day, at least.

They’re all quick to read, and if at least some of them don’t make you smile, then nothing will.

So take a few minutes for yourself and enjoy these funny short jokes right now.

FUNNY SHORT JOKES
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Funny short jokes:

  • If I had a dollar for every girl that found me unattractive
  • They’d find me attractive by now
  • Why don’t cats play poker in the jungle? 
  • Too many cheetahs
  • What do you call a sleepwalking nun?
  • A roamin’ Catholic
  • Two peanuts were walking down a dark alley
  • One was assaulted
  • What do you call a fat psychic?
  • A four chin teller
  • My girlfriend accused me of cheating
  • I told her she was starting to sound like my wife
  • A man asked me for a donation towards the local swimming pool
  • So I gave him a glass of water
  • I tried to sue the airport for misplacing my luggage
  • I lost my case
  • What do you say to a one-legged hitchhiker?
  • Hop in
  • What do you get when you throw a piano down a mine shaft?
  • A flat miner
  • If you give an alligator a GPS
  • Does that make it a navigator?
  • How do trees get online?
  • They just log in
  • What do you call a singing laptop?
  • A Dell
  • Why is it so hard for a leopard to hide? 
  • Because it’s always spotted
  • I don’t know what Armageddon means
  • So what? It’s not the end of the world
  • I’ve been told I’m condescending
  • (That means talking down to people)
  • What do you call a bee that can’t make up its mind?
  • A Maybe
  • Why go to the paint store when you’re on a diet?
  • You can get thinner there
  • How do you get two whales in a car?
  • Start in England and drive west
  • Why shouldn’t you fall in love with a pastry chef?
  • He’ll dessert you
  • What do cats like to eat for breakfast?
  • Mice Krispies
  • What do you call the cat that was caught by the police?
  • The purrpatrator
  • I went bobsleighing the other day
  • And I managed to kill 250 bobs
  • People in Dubai don’t like the Flintstones
  • But people in Abu Dhabi do!
  • You may think it’s romantic to carve our names on this tree
  • But I have to ask, why did you bring a knife on our first date?
Phil Sutton

Please share the fun:

I hope you found these funny short jokes truly side-splitting, dear reader. Well, mildly amusing, at least.

However, perhaps you feel that you could still use a good laugh.

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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.

Make Money

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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