Philosophy

7 Money Rules: Personal Finance Decisions Made Simple

02/22/2026 by Roy Sutton

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.

7 Money Rules:

1. Pay Yourself First

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.

2. Invest a Minimum of 10% of Your Income Every Month

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.

Don’t wait until you “earn more” or “feel ready.”

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.

3. Spend Less Than You Earn

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.

4. Don’t Waste Money on a Lifestyle You Can’t Afford

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.

5. Never Incur Debt for Discretionary Items

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.

6. Only Use Debt to Buy Assets (Like Property)

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:

Will this purchase improve my long-term financial position?

If the answer is no, rethink it.

7. Avoid Impulse Purchases with the 24-Hour Rule

Impulse spending is the silent killer of good financial intentions.

Here’s the fix:

When you want something that isn’t essential, wait 24 hours before buying it.

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.

Final Thought: Money Is a Tool – Use It on Purpose

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!

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100 Russian Proverbs – Life, love and making the most of what you have

02/21/2026 by Roy Sutton

In today’s post, I am exploring Russian proverbs. I think there’s much to be said for Russian culture. So I’m exploring ideas about life, love, and making the most of what you have.

Russian culture is rich in proverbs, and many are short, sharp, and deeply philosophical.

So, here are 100 authentic Russian proverbs to inspire you. Each one in English translation (not overly literal, but culturally faithful, I hope).

For any Russian readers, I hope I have been culturally faithful on this occasion.

Life and Wisdom (1–40)

To live a life is not like crossing an open field.
You can’t pull even a fish out of a pond without effort.
You reap what you sow.
Live for a century, learn for a century.
Patience and hard work overcome everything.
Not everything that glitters is gold.
Man plans, but God decides.
A bird in the hand is better than a crane in the sky.
Measure seven times, cut once.
Better to have a hundred friends than a hundred rubles.
Visiting is nice, but home is better.
Where you were born is where you’re useful.
Don’t enter the water without knowing the depth.
Speech is silver; silence is gold.
People learn from mistakes.
There’s a time for work and a time for play.
Live simply, and you’ll live longer.
Misfortune can bring happiness.
Everything has its season.
Trouble never comes alone.
Happiness loves silence.
The eyes fear it, but the hands do it.
Those who don’t risk don’t drink champagne.
Morning is wiser than evening.
Live while life lets you.
Neither fish nor meat.
Everything is good in moderation.
Fools don’t follow rules.
It’s not always a holiday.
Better late than never.
Life is a kopeck, fate is a ruble.
Your own burden doesn’t feel heavy.
Those who dwell on the past lose an eye.
It breaks where it’s weakest.
We live only once.
Another person’s soul is darkness.
Not everything at once.
If you want to live, learn to adapt.
To each their own.
Without the past, there is no future.

Love, Relationships and the Heart (41–70)

Love is blind — you may love even a goat.
With your beloved, even a hut feels like paradise.
You can’t command the heart.
Love isn’t a potato — you can’t throw it out the window.
Where there is love, there is God.
Out of sight, out of heart.
Jealousy is love’s sister.
Love and good counsel mean no sorrow.
One heart sends messages to another.
Love knows no obstacles.
Love endures everything.
He beats you because he loves you. (WARNING: historical saying, not endorsed today)
Love isn’t just sighs on a bench.
Marriage isn’t something you slip on lightly.
Husband and wife are one devil.
An old friend is better than two new ones.
Love comes and goes, but hunger stays.
Love is a delicate matter.
Happiness isn’t in wealth, but in love.
Without love, life isn’t sweet.
Love till the grave — two fools. (ironic)
Love isn’t for something, but despite everything.
Where there is no love, there is no joy.
Love is work.
For the lover, even the sea is knee-deep.
Love begins with the eyes.
The heart knows the truth.
You can’t buy love.
With your beloved, even to the edge of the world.
Without love, a person is an orphan.

Making the Most of What You Have (71–100)

We don’t value what we have until it’s gone.
Small, but precious.
Bread and water are a hero’s food.
Stretch your legs according to your clothes.
Better little, but your own.
Your own shirt is closer to your body.
Poverty is not a sin.
A kopeck saves the ruble.
We’re happy with what we have.
Even that deserves thanks.
Money doesn’t bring happiness.
Poverty makes people inventive.
The grass is greener where we aren’t.
Be content with little.
Your own hut is your own corner.
When there’s no fish, even a crayfish counts.
A thread from everyone clothes the naked.
Guard your honour from youth.
No need for excess.
Better quietly and fed.
He who’s content with little is rich.
We live on what God gives.
You can’t hold happiness with your hands.
Chase big things, lose small ones.
The slower you go, the farther you’ll get.
Live within your means.
Even small good is good.
Joy isn’t in luxury.
Happiness is in simplicity.
The rich aren’t those who have much, but those who have enough.

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50 Arabic proverbs to inspire you today

02/20/2026 by Roy Sutton

Discover the timeless wisdom of the Arab world with this carefully curated collection of Arabic proverbs.

Handpicked from a rich cultural heritage spanning centuries, these proverbs offer a unique window into the values and beliefs of the Arab people.

From reflections on life and love to insightful sayings about human nature and the world around us, this list is packed with thought-provoking and inspiring proverbs that are sure to enlighten you.

So, take a journey through time and explore the beauty and depth of these Arabic proverbs, and see if you can add one or two of them to your conversations today.

And please feel free to pass them on.

Arabic Proverbs

Every sun must set.

Haste makes waste.

Time is made of gold.

Be contrary, be known.

Planning is half of living.

A tree begins with a seed.

There’s always tomorrow.

A tree is known by its fruit.

A hungry belly has no ears.

If the winds blow, use them.

Silence is a sign of approval.

Distance equals disaffection.

Blood does not become water.

Think it through and trust God.

Time is a cure for every illness.

A hint is enough for a wise man.

Whatever is forbidden is desired.

Laughing without a reason is rude.

An envious person is the unhappiest.

He who has no shame has no honour.

Avoid that which requires an apology.

Winds do not blow as the vessels wish.

The wisest is the one who can forgive.

Determination is the key to everything.

The first one to apologize is the bravest.

Wishing does not make a poor man rich.

The smarter you are, the less you speak.

A great man is one who serves humanity.

The cure for ignorance is asking questions.

Get on with your neighbours or move away.

It’s better to be alone than in bad company.

With care do you realize your opportunities.

He who plays with the cat will find his claws.

Ask the experienced rather than the learned.

Seek knowledge from the cradle to the grave.

Anger begins with madness but ends in regret.

He who desires success must sit up many nights

The stingy have large porches and little morality.

A true friend is one who shows up in times of need.

May God bless the visitors who don’t stay too long.

A servant who has two masters lies to one of them.

It’s better to light a candle than curse the darkness.

Choose your neighbours before you choose your home.

A single good deed is better than a thousand intentions.

The best people are those who are most useful to others.

The ink of the scholar is holier than the blood of the martyr.

Everyone is critical of the flaws of others but blind to their own.

It’s better to fix what you have than wait to get what you don’t have.

A man of two minds is a liar, and a man of three minds is a hypocrite.

You can build all the houses you want but, eventually, you’ll leave them all and go to your grave alone.

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50 quotes on self-improvement to inspire you to achieve

02/20/2026 by Roy Sutton

Looking for some quotes on self-improvement that will inspire you to be more than you are, dear reader? Then you’re in the right place because I have some brilliant quotes to offer you today.

These are some of my favourite quotes of all time, and I always feel inspired when I read them.

Take a few minutes to relax and see which ones inspire you the most. Any that you really like, please feel free to add them to your journal.

If you don’t keep a journal, you should. I keep one, and in it, I make a note of anything and everything that inspires me. That’s where I’ve created the resource for all of these quotes on offer now.

Anyway, enjoy them all, and then please pass them on to your friends.

Quotes on self-improvement (1-10):

If you can dream it, you can do it. ~Walt Disney
The only journey is the one within. ~Rainer Maria Rilke
All things are difficult before they are easy. ~Thomas Fuller
The secret of getting ahead is getting started. ~Mark Twain
It always seems impossible until it’s done. ~Nelson Mandela
You just can’t beat the person who never gives up. ~Babe Ruth
Set your goals high, and don’t stop till you get there. ~Bo Jackson
It is never too late to be what you might have been. ~George Eliot
Only I can change my life. No one can do it for me. ~Carol Burnett
You cannot have a positive life and a negative mind. ~Joyce Meyer

Quotes on self-improvement (11-20):

My purpose is to lift your spirit and to motivate you. ~Mavis Staples
Without hard work, nothing grows but weeds. ~Gordon B. Hinckley
Problems are not stop signs, they are guidelines. ~Robert H. Schuller
The only thing that overcomes hard luck is hard work. ~Harry Golden
Aim for the moon. If you miss, you may hit a star. ~W. Clement Stone
Start where you are. Use what you have. Do what you can. ~Arthur Ashe
In order to succeed, we must first believe that we can. ~Nikos Kazantzakis
It does not matter how slowly you go as long as you do not stop. ~Confucius
When you have a dream, you’ve got to grab it and never let go. ~Carol Burnett
Life is 10% what happens to you and 90% how you react to it. ~Charles R. Swindoll

Quotes on self-improvement (21-30):

The best preparation for tomorrow is doing your best today. ~H. Jackson Brown, Jr.
Perseverance is not a long race; it is many short races one after the other. ~Walter Elliot
Ever tried? Ever failed? No matter. Try Again. Fail again. Fail better. ~Samuel Beckett
Opportunity does not knock it presents itself when you beat down the door. ~Kyle Chandler
A strong, positive self-image is the best possible preparation for success. ~Joyce Brothers
Believe that life is worth living and your belief will help create the fact. ~William James
Change your life today. Don’t gamble on the future, act now, without delay. ~Simone de Beauvoir
The will to succeed is important, but what’s more important is the will to prepare. ~Bobby Knight
Perfection is not attainable, but if we chase perfection we can catch excellence. ~Vince Lombardi
Even if I knew that tomorrow the world would go to pieces, I would still plant my apple tree. ~Martin Luther

Quotes on self-improvement (31-41):

Don’t judge each day by the harvest you reap but by the seeds that you plant. ~Robert Louis Stevenson
Opportunities are usually disguised as hard work, so most people don’t recognize them. ~Ann Landers
Nothing ever comes to one that is worth having, except as a result of hard work. ~Booker T. Washington
Knowing is not enough; we must apply. Willing is not enough; we must do. ~Johann Wolfgang von Goethe
Opportunity is missed by most people because it is dressed in overalls and looks like work. ~Thomas A. Edison
I can’t change the direction of the wind, but I can adjust my sails to always reach my destination. ~Jimmy Dean
There is only one corner of the universe you can be certain of improving, and that’s your own self. ~Aldous Huxley
Put your heart, mind, and soul into even your smallest acts. This is the secret of success. ~Swami Sivananda
Your present circumstances don’t determine where you can go; they merely determine where you start. ~Nido Qubein
If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes. ~John Wooden
You simply have to put one foot in front of the other and keep going. Put blinders on and plough right ahead. ~George Lucas

Quotes on self-improvement (42-50):

I hated every minute of training, but I said, ‘Don’t quit’. Suffer now and live the rest of your life as a champion.’ ~Muhammad Ali
Decide what you want, decide what you are willing to exchange for it. Establish your priorities and go to work. ~H. L. Hunt
If you want to succeed you should strike out on new paths, rather than travel the worn paths of accepted success. ~John D. Rockefeller
Just don’t give up trying to do what you really want to do. Where there is love and inspiration, I don’t think you can go wrong. ~Ella Fitzgerald
If you don’t design your own life plan, chances are you’ll fall into someone else’s plan. And guess what they have planned for you? Not much. ~Jim Rohn
If you believe in yourself and have dedication and pride, and never quit, you’ll be a winner. The price of victory is high but so are the rewards. ~Bear Bryant
My mission in life is not merely to survive, but to thrive; and to do so with some passion, some compassion, some humour, and some style. ~Maya Angelou
I learned that we can do anything, but we can’t do everything, at least not at the same time. So think of your priorities, not in terms of what activities you do, but when you do them. Timing is everything. ~Dan Millman
Always do your best. Your best is going to change from moment to moment. It will be different when you are healthy as opposed to sick. Under any circumstance, simply do your best and you will avoid self-judgment, self-abuse and regret. ~Don Miguel Ruiz

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100 short powerful quotes guaranteed to inspire you today

02/17/2026 by Roy Sutton

If you’re looking for some short, powerful quotes, dear reader, then I have some gems for you today.

I guarantee that you will find quotes here to truly inspire you.

So, grab a coffee, take a few moments to read them all, and set yourself up for a day of action.

Remember; you can be more than you are, and you can achieve a lot more than you think. And it’s never too late to make your mark on life.

So, be inspired and be known.

Short powerful quotes (1-10):

The unexamined life is not worth living. ~Socrates
Whatever you are, be a good one. ~Abraham Lincoln
There is nothing permanent except change. ~Heraclitus
The more I see, the less I know for sure. ~John Lennon
The truth is rarely pure and never simple. ~Oscar Wilde
The secret of getting ahead is getting started. ~Mark Twain
Don’t cry because it’s over, smile because it happened. ~Dr Seuss
The only thing we have to fear is fear itself. ~Franklin D. Roosevelt
Be the change that you wish to see in the world. ~Mahatma Gandhi
The journey of a thousand miles begins with a single step. ~Lao Tzu

Short powerful quotes (11-20):

The way to get started is quit talking and begin doing. ~Walt Disney
There is nothing impossible to him who will try. ~Alexander the Great
Think of all the beauty still left around you and be happy. ~Anne Frank
Those who dare to fail miserably can achieve greatly. ~John F. Kennedy
The future belongs to the brave, not to the faint-hearted. ~Ronald Reagan
The world is a book and those who do not travel read only one page. ~St. Augustine
If you want to live a happy life, tie it to a goal, not to people or things. ~Albert Einstein
The most difficult thing is the decision to act, the rest is merely tenacity. ~Amelia Earhart
Success is not final; failure is not fatal: it is the courage to continue that counts. ~Winston Churchill
The problem with socialism is that you eventually run out of other people’s money. ~Margaret Thatcher

Short powerful quotes (21-30):

You miss 100% of the shots you don’t take. ~Wayne Gretzky
There are no shortcuts to any place worth going. ~Beverly Sills
To love oneself is the beginning of a lifelong romance. ~Oscar Wilde
You must do the things you think you cannot do. ~Eleanor Roosevelt
You only live once, but if you do it right, once is enough. ~Mae West
The most wasted of all days is one without laughter. ~E.E. Cummings
We can’t help everyone, but everyone can help someone. ~Ronald Reagan
You have to dream before your dreams can come true. ~A.P.J. Abdul Kalam
The mind is like a parachute. It doesn’t work unless it’s open. ~Frank Zappa
The most powerful weapon on earth is the human soul on fire. ~Ferdinand Foch

Short powerful quotes (31-40):

The measure of who we are is what we do with what we have. ~Vince Lombardi
You are never too old to set another goal or to dream a new dream. ~C.S. Lewis
You are the average of the five people you spend the most time with. ~Jim Rohn
We must not allow other people’s limited perceptions to define us. ~Virginia Satir
The question isn’t who is going to let me; it’s who is going to stop me. ~Ayn Rand
You will face many defeats in life, but never let yourself be defeated. ~Maya Angelou
We are what we repeatedly do. Excellence, then, is not an act, but a habit. ~Aristotle
We make a living by what we get, but we make a life by what we give. ~Winston Churchill
The only person you are destined to become is the person you decide to be. ~Ralph Waldo Emerson
The most important thing is to enjoy your life – to be happy – it’s all that matters. ~Audrey Hepburn

Short powerful quotes (41-50):

You have to be odd to be number one. ~Dr Seuss
Where there is love there is life. ~Mahatma Gandhi
Why fit in when you were born to stand out? ~Dr Seuss
Be yourself; everyone else is already taken. ~Oscar Wilde
Whether you think you can or think you can’t, you’re right. ~Henry Ford
Your time is limited, don’t waste it living someone else’s life. ~Steve Jobs
Life is what happens when you’re busy making other plans. ~John Lennon
Never let the fear of striking out keep you from playing the game. ~Babe Ruth
You don’t have to be great to start, but you must start to be great. ~Zig Ziglar
It’s not whether you get knocked down, it’s whether you get up. ~Vince Lombardi

Short powerful quotes (51-60):

You can’t use up creativity. The more you use, the more you have. ~Maya Angelou
You may be disappointed if you fail, but you are doomed if you don’t try. ~Beverly Sills
Life is ten percent what happens to you and 90% how you react to it. ~Charles R. Swindoll
Live as if you were to die tomorrow. Learn as if you were to live forever. ~Mahatma Gandhi
The only thing necessary for the triumph of evil is for good men to do nothing. ~Edmund Burke
The most common way people give up their power is by thinking they don’t have any. ~Alice Walker
There is only one thing that makes a dream impossible to achieve: the fear of failure. ~Paulo Coelho
There are two ways of spreading light: to be the candle or the mirror that reflects it. ~Edith Wharton
You’re off to great places, today is your day. Your mountain is waiting, so get on your way. ~Dr Seuss
You can never cross the ocean until you have the courage to lose sight of the shore. ~Christopher Columbus

Short powerful quotes (61-70):

It is never too late to be what you might have been. ~George Eliot
If you don’t stand for something, you will fall for anything. ~Malcolm X
Nothing is impossible, the word itself says ‘I’m possible’! ~Audrey Hepburn
Don’t let the fear of striking out keep you from playing the game. ~Babe Ruth
The only thing worse than being blind is having sight but no vision. ~Helen Keller
To live is the rarest thing in the world. Most people exist, that is all. ~Oscar Wilde
If you want to go fast, go alone. If you want to go far, go together. ~African proverb
Happiness is not something ready-made. It comes from your own actions. ~Dalai Lama
The only limit to our realization of tomorrow will be our doubts of today. ~Franklin D. Roosevelt
If you don’t like something, change it. If you can’t change it, change your attitude. ~Maya Angelou

Short powerful quotes (71-80):

People who are crazy enough to think they can change the world, are the ones who do. ~Rob Siltanen
Some people want it to happen, some wish it would happen, others make it happen. ~Michael Jordan
There are no secrets to success. It is the result of preparation, hard work, and learning from failure. ~Colin Powell
What you do makes a difference, and you have to decide what kind of difference you want to make. ~Jane Goodall
The pessimist sees difficulty in every opportunity. The optimist sees opportunity in every difficulty. ~Winston Churchill
What lies behind us and what lies before us are tiny matters compared to what lies within us. ~Ralph Waldo Emerson
You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose. ~Dr Seuss
The only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. ~Steve Jobs
The greatest discovery of all time is that a person can change his future by merely changing his attitude. ~Oprah Winfrey
The best and most beautiful things in the world cannot be seen or even touched – they must be felt with the heart. ~Helen Keller

Short powerful quotes (81-90):

Nothing will work unless you do. ~Maya Angelou
Other people succeed and so can you. ~Roy Sutton
Action is the foundational key to all success. ~Pablo Picasso
Energy and persistence conquer all things. ~Benjamin Franklin
The path to success is to take massive, determined action. ~Tony Robbins
Motivation is what gets you started. Habit is what keeps you going. ~Jim Rohn
No one can make you feel inferior without your consent. ~Eleanor Roosevelt
When you reach the end of your rope, tie a knot in it and hang on. ~Franklin D. Roosevelt
The greatest glory in living, lies not in never falling, but in rising every time we fall. ~Nelson Mandela
Not everything that can be counted counts, and not everything that counts can be counted. ~Albert Einstein

Short powerful quotes (91-100):

Do not go where the path may lead, go instead where there is no path and leave a trail. ~Ralph Waldo Emerson
The most beautiful thing we can experience is the mysterious. It is the source of all true art and science. ~Albert Einstein
Whatever you can do, or dream you can, begin it. Boldness has genius, power, and magic in it. ~Johann Wolfgang von Goethe
It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change. ~Charles Darwin
To be yourself in a world that is constantly trying to make you something else is the greatest accomplishment. ~Ralph Waldo Emerson
There is no passion to be found playing small – in settling for a life that is less than the one you are capable of living. ~Nelson Mandela
The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of will. ~Vince Lombardi
The whole problem with the world is that fools and fanatics are always so certain of themselves, and wiser people so full of doubts. ~Bertrand Russell
When one door of happiness closes, another opens; but often we look so long at the closed door that we do not see the one which has been opened for us. ~Helen Keller
Strength does not come from winning. Your struggles develop your strengths. When you go through hardships and decide not to surrender, that is strength. ~Arnold Schwarzenegger

If you found these quotes interesting, please share this post on social media with your friends.

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Thank you.

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Filed Under: Quotes Tagged With: Inspiration, Inspirational Quotes, Life, Meaning, Motivation, Motivational Quotes, Philosophy, quotes, short powerful quotes, Wisdom

101 inspirational proverbs from around the world

02/17/2026 by Roy Sutton

I find proverbs inspirational, and I’ve been collecting some more proverbs from around the world.

I thought readers might find it interesting if I shared some of them.

So here are 101 great proverbs, which I hope will inspire.

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

Proverbs from around the world (1 – 20):

Mewing cats catch no mice. ~Georgian Proverb
To begin is easy, to persist is art. ~German Proverb
Anger and madness are brothers. ~African Proverb
He who is guilty has much to say. ~Ghanaian Proverb
Dig the well before you are thirsty. ~Chinese Proverb
A man dies when he stops working. ~Hebrew Proverb
Nothing seems expensive on credit. ~Czech Proverb
Wisdom has long ears and a short tongue. ~Swedish Proverb
A man grows most tired while standing still. ~Chinese Proverb
Who finds a faithful friend, finds a treasure. ~Jewish Proverb
A fool cannot undo the knot tied by a wise man. ~African Proverb
A good neighbour increases the value if your property. ~Czech Proverb
It is in the shelter of each other that the people live. ~Irish Proverb
Don’t tell the man who’s carrying you that he stinks. ~African Proverb
Everyone wants to live long, but no one wants to be called old. ~Icelandic Proverb
Love many, trust few and always paddle your own canoe. ~American Proverb
When the character of a man is not clear, look at his friends. ~Japanese Proverb
A man profits more by the spectacle of a fool than by the speeches of the wise. ~African Proverb
The child who’s not embraced by the village will burn it down to feel the warmth. ~African Proverb
The forest was shrinking, but the trees kept voting for the axe, for the axe was clever and convinced the trees that because his handle was made of wood, he was one of them. ~Turkish Proverb

Proverbs from around the world (21 – 40):

Need is a bad negotiator. ~Icelandic Proverb
Gold, when beaten, shines. ~Peruvian Proverb
The bitter heart eats its owner. ~Bantu Proverb
A closed mouth catches no flies. ~French Proverb
Truth is the first victim of war. ~African Proverb
A tree doesn’t fall with one blow. ~Yiddish Proverb
Character can be built on daily routine. ~Japanese Proverb
Only a fool tests the water with both feet. ~African Proverb
A talkative bird will not build a nest. ~West African Proverb
The longer the tongue, the shorter the hands. ~Czech Proverb
Worries go down better with soup than without. ~Jewish Proverb
There is a deep sea between saying and doing. ~Italian Proverb
Calm water does not mean there are no crocodiles. ~Indonesian Proverb
Persistence can grind an iron beam into a needle. ~Chinese Proverb
A mother will understand what her dumb son says. ~Georgian Proverb
A diplomat must always think twice before he says nothing. ~Irish Proverb
Listen a hundred times; ponder a thousand times; speak once. ~Turkish Proverb
Luck sometimes visits a fool, but it never sits down with him. ~German Proverb
Rejoice not at thine enemy’s fall, but don’t rush to pick him up either. ~Jewish Proverb
A doctor will take care of the rich man; the poor man is cured with work. ~Polish Proverb

Proverbs from around the world (41 – 60):

Blame is a lazy man’s wages. ~Danish Proverb
A contented man is always rich. ~Latin Proverb
A speaker of truth has no friends. ~African Proverb
Silence is a fence around wisdom. ~German Proverb
When deeds speak, words are nothing. ~African Proverb
Bad is called good when worse happens. ~Norwegian Proverb
The mother of idiots is always pregnant. ~Italian Proverb
A man who cries all the time is not heard. ~African Proverb
The smoother the path the easier it is to slip. ~Estonian Proverb
Do not stand in a place of danger trusting in miracles. ~African Proverb
Where you sit when you’re old shows where you stood in youth. ~African Proverb
No matter the economy of the jungle, the lion will never eat grass. ~African Proverb
Until the lion learns to write, every story will glorify the hunter. ~African Proverb
To talk much and arrive nowhere is the same as climbing a tree to catch a fish. ~Chinese Proverb
Do not confine your children to your own learning, for they were born in another time. ~Chinese Proverb
The doctor demands his fees whether he has killed the illness or the patient. ~Polish Proverb
Educate a man and you educate an individual. Educate a woman and you educate a nation. ~African Proverb
The wise man, even when he holds his tongue, says more than the fool when he speaks. ~Yiddish Proverb
If men swear that they want to harm you when you’re asleep, you can go to sleep. If a woman says so, stay awake. ~African Proverb
He who asks a question is a fool for a minute. He who does not ask a question remains a fool forever. ~Chinese Proverb

Proverbs from around the world (61 – 80):

Who gives, has. ~Lithuanian Proverb
Advisers run no risks. ~English Proverb
Nothing is easy for the unwilling. ~Gaelic Proverb
Adversity is the mother of wisdom. ~German Proverb
Being happy is better than being king. ~African Proverb
When the music changes, so does the dance. ~African Proverb
If your face is ugly, you can’t blame the mirror. ~Chinese Proverb
He who’s afraid of asking is ashamed of learning. ~Danish Proverb
The eyes do not see what the mind does not want. ~Indian Proverb
If you don’t want anyone to find out, don’t do it. ~Chinese Proverb
Speak the truth but leave immediately afterwards. ~Slovenian Proverb
A people without faith in themselves cannot survive. ~Chinese Proverb
Be not afraid of going slowly. Be afraid of standing still. ~Japanese Proverb
He who conquers his anger has conquered an enemy. ~German Proverb
Never promise a poor person, and never owe a rich one. ~Brazilian Proverb
Everybody loves a fool, but nobody wants him for a son. ~Ivorian Proverb
Every time you laugh a nail is removed from your coffin. ~Honduran Proverb
If you tell your secret to your friend, you will make him your master. ~Spanish Proverb
If you forgive the fox for stealing your chickens, he will take your sheep. ~Georgian Proverb
Honorable is the person who is aware of their power, yet refrains from inflicting harm on others. ~Egyptian Proverb

Proverbs from around the world (81 – 101):

Hate has no medicine. ~Ghanaian Proverb
A dog with a bone knows no friend. ~Dutch Proverb
A blind cat catches only a dead rat. ~Chinese Proverb
Day has its eyes, night has its ears. ~Japanese Proverb
Pride is the mask of one’s own faults. ~Jewish Proverb
He that promises most will perform least. ~Gaelic Proverb
A slave does not choose his master. ~Ghanaian Proverb
A tailless dog cannot express his joy. ~Albanian Proverb
Beloved children have many names. ~Hungarian Proverb
Ask for advice then use your head. ~Norwegian Proverb
Fear an ignorant man more than a lion. ~Turkish Proverb
An idiot is eloquent when he stays silent. ~Japanese Proverb
Always tell the truth in the form of a joke. ~Armenian Proverb
A dog that barks all the time gets little attention. ~Argentine Proverb
Choose your company before you choose your drink. ~Gaelic Proverb
Familiarity breeds contempt; distance brings respect. ~African Proverb
He who is unkind to his own will not be kind to others. ~Galician Proverb
Only your real friends will tell you when your face is dirty. ~Burmese Proverb
Offer the lazy man an egg and he’ll want you to peel it for him. ~Lithuanian Proverb
Every closed eye is not sleeping, and every open eye is not seeing. ~African Proverb
Even though you know a thousand things, ask the man who knows one. ~Turkish Proverb

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What matters most in life? People or money?

02/17/2026 by Roy Sutton

What matters most in life?

What matters most in life? People or money? Think about that for a second or two.

Occasionally, I’m sure we all think to ourselves, “Wouldn’t it be wonderful to be rich and financially secure?“

It sounds fantastic, doesn’t it? Money, money, money!

You’d be able to do whatever you want, travel anywhere, and buy anything.

Whether it’s a nice house, a fabulous car, the best clothes, the latest fashions, or the latest gadgets, you could have them all.

No more searching for cheap flights or even cheaper holidays.

And you wouldn’t have to worry about a job anymore, would you?

Wealth would mean the end to all your problems, surely?

Wealth is not a life without problems:

If only it were that easy, dear reader.

Wealth, if you had it, might eliminate some of your problems, but it would also present you with lots of new ones.

Remember, riches may be chains of gold, but chains of gold are still chains.

Everyone has problems, regardless of any wealth and privileges they may enjoy. They’ll just have different problems.

Caretaker of your possessions:

If wealth is something you’ve yet to experience, then it may not be obvious to you, but once you’ve got plenty of money, you become the caretaker of your possessions.

You worry about losing your wealth. And you worry about the volatility of financial markets and how your wealth will be affected, both now and in the long term.

When you’ve got money, plenty of people will be hoping they can separate you from at least some of it. It seems like everyone is trying to sell you something and/or give you advice at a price.

Others will resent your wealth:

And don’t forget, many people will resent you for your wealth. Not everyone will be happy for you, that’s for sure.

Then you become a magnet for criminals, con artists, and even politicians who want a piece of your wealth.

You don’t know who you can trust anymore.

Do people become your friends because they like you, or are they simply after your money?

Once you’ve got wealth, it’s virtually impossible to know.

The impact of instant wealth:

However much you may dream of winning the lottery, for instance, it would have an impact on your life in ways you couldn’t begin to imagine. It wouldn’t solve all your problems; it would present you with many more.

If you’ve suddenly gained wealth and your friends haven’t, then your relationship with them is unlikely ever to be the same again. Even if you share some of your sudden wealth with them, it’s unlikely to help.

Whatever you share with people from your winnings will just create tensions within your friendship group. Why did you give her X, and I only got Y? That will be one accusation you’ll hear frequently, for instance.

What matters most in life?

If you are wealthy, dear reader, I’m pleased for you. Enjoy it all.

For those people working hard to become rich, good luck to you. I hope you achieve your goals and enjoy your wealth when you find that pot of gold at the end of the rainbow.

However, whatever your financial circumstances, never forget this: only people matter.

You can have all the money in the world, but without your family and close friends, you would have absolutely nothing at all.

It’s the people in our lives that make life worth living.

They make us laugh, and they make us cry. They’re there for us when we need someone to listen, someone to put an arm around our shoulder and tell us that everything will be fine, and someone to give us a pat on the back when we’ve done well.

Money might make life comfortable, but does it make you rich? I don’t think it does.

If your life is blessed with good people who care about you, then that’s when you’re truly rich. If you also have a sense of purpose and a hobby, then you have all you need. Anything else is a bonus.

Money is nice to have, of course, and I wouldn’t discourage anyone from seeking to build wealth. Quite the contrary, you should always be trying to build your little nest egg for the future.

However, money alone will not make you happy. To be happy, your life needs people, purpose, and a pastime.

These are the things that matter.

Money is simply the icing on the cake. It is nice to have, but it is not essential to your happiness. Whereas having people in your life is essential to your happiness.

If you could only have either money or family and friends, which would you choose?

I’d choose the people every time.

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7 inspirational quotes about marriage

02/16/2026 by Roy Sutton

Let’s explore some inspirational quotes about marriage.

Marriage can be a thorny subject for some and a source of great pleasure for others. If a successful marriage is your aim, then you’ll need to master the art of compromise, as well as choose a life partner for whom you have the greatest respect and whose company you enjoy.

Friendship is at the heart of any successful marriage, and friendship is a relationship of equals.

That means the power dynamic in your relationship must be balanced. Both parties must feel that their needs are being met.

You’re a team, and as with all teams, each of you has a role to play. One person cannot be expected to bear the burden of doing everything while the other person does nothing. That’s not fair, nor is it sustainable.

A successful marriage can be your greatest investment. Choose your partner wisely, and a successful relationship can be yours. Whereas, failing to choose carefully could prove to be painful for all concerned.

So today, I offer you seven inspirational quotes about marriage to help you reflect on what is one of life’s great institutions.

Remember this: choose well and nurture your relationship, and it can last a lifetime.

Find the right partner, and you’ll appreciate their presence in your life with each passing year and much more so as you get older.

Inspirational quotes about marriage:

By all means, marry. If you get a good wife, you’ll become happy; if you get a bad one, you’ll become a philosopher. ~Socrates
Happy is the man who finds a true friend, and far happier is he who finds that true friend in his wife. ~Franz Schubert
It is not a lack of love but a lack of friendship that makes unhappy marriages. ~Friedrich Nietzsche
My most brilliant achievement was my ability to be able to persuade my wife to marry me. ~Winston Churchill
Don’t marry the person you think you can live with; marry only the individual you think you can’t live without. ~James Dobson
The secret of a happy marriage is finding the right person. You know they’re right if you love to be with them all the time. ~Julia Child
Every good relationship, especially marriage, is based on respect. If it’s not based on respect, nothing that appears to be goodwill lasts very long. ~Amy Grant

Poem about marriage:

If you like poetry, this poem about marriage might appeal to you. It certainly conveys my philosophy about marriage and finding a life partner.

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7 inspirational quotes about happiness

02/15/2026 by Roy Sutton

Today, I am exploring quotes about happiness.

If I were to conduct a survey of readers on the question of happiness, I’m fairly sure that most people would say that, whilst they want to be happy, they have yet to achieve that state of mind consistently.

Why is that, do you think?

I think it’s because we’re always chasing what we haven’t got.

Being happy requires us to be content with what we have got. If we’re always chasing more, then by definition we can’t be content with what we’ve got, can we?

So if you want to be happy, then I think the trick is to learn to enjoy whatever it is that you’ve actually got, rather than fretting about those things that you’d like to possess but you don’t right now.

Take pleasure in the moment, whenever you can, and always look for the positives in any situation.

Happiness is a state of mind. You can choose to be happy or not.

It’s all down to the way you choose to look at the world.

You can allow things to bother you, or you can say, “I’m not going to worry about stuff I can’t change; I’ll just focus on enjoying my life for what it is and make the best of it.”

Here are 7 inspirational quotes about happiness to help you think about what it all means.

Quotes about happiness:

I am determined to be cheerful and happy in whatever situation I may find myself in. For I have learned that the greater part of our misery or unhappiness is determined not by our circumstances but by our disposition. ~Martha Washington
It is not easy to find happiness in ourselves, and it is not possible to find it elsewhere. ~Agnes Repplier
Happiness is not something ready-made. It comes from your own actions. ~Dalai Lama
Be happy with what you have and are, be generous with both, and you won’t have to hunt for happiness. ~William E. Gladstone
Happiness cannot be travelled to, owned, earned, worn or consumed. Happiness is the spiritual experience of living every minute with love, grace and gratitude. ~Denis Waitley
There is only one way to happiness and that is to cease worrying about things that are beyond the power of our will. ~Epictetus
Happiness is not something you postpone for the future; it is something you design for the present. ~Jim Rohn

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Filed Under: Quotes Tagged With: Achievement, Attitude, Happiness, Influencers, Inspiration, Inspirational Quotes, Life, Meaning, Motivation, Motivational Quotes, Philosophy, quotes, quotes about happiness, Success, Wisdom

How to turn enterprise into money and riches

02/15/2026 by Roy Sutton

Today, the question I am exploring is how to turn enterprise into money and riches. But let’s start with a quote.

Being poor is sh*t. ~Bob Geldof

The media personality and former rock star Bob Geldof’s communication style tends to be blunt and to the point. He’s not a man to sugarcoat his words, or so it seems. However, he does make an important point here.

People may tell you that money isn’t important, but next to oxygen, it’s essential for a life worth living. You couldn’t live long without it today.

Exactly how much money you need depends on your preferred lifestyle, of course. However, even for a fairly basic lifestyle, a reasonable income is necessary.

None of us wants to be poor, of course. Fortunately, we don’t have to be. It’s possible to turn enterprise into money and then money into wealth and riches.

And what do I mean by enterprise? I mean your energy, your resourcefulness, your imagination, your know-how and skills, your ambition, and your determination to make life better for you and your loved ones.

Essentially, you can make your life better simply by making it better for other people.

What is work?

The key message today is that you don’t need to be employed by a commercial enterprise or corporation to earn money.

While being employed is one way to earn money, it’s also perfectly feasible to establish your own business and earn a living by being self-employed.

And in the age of the Internet, it’s never been easier to start a business, even if you have very little money to invest.

Remember also that you can start a business initially as a part-time side hustle while being employed until it’s generating enough income for that business to become your primary means of making a living.

And never forget, for most people, the only way you’ll ever get seriously rich is through your own business.

Certainly, unless you’re a Wall Street investment banker or a lawyer, you’re unlikely to get seriously rich being someone’s employee, trading your time for money.

The key to success in business

The key to success in your own business is to find a way to solve problems for people for profit. That’s the way to turn your enterprise into money. And it’s a lot easier than you might imagine.

Let’s face it, there’ll always be plenty of customers for products and services, some of which are yet to be invented.

People will always have problems, and they’ll always need solutions to those problems.

Remember, every product sold by a company is a solution to a problem, or at least it should be.

Turn enterprise into money

-If you continually educate yourself on skills and know-how, then you can create wealth by seeking out customers for whom you can deliver solutions to their problems and/or provide them with services for which they have a need.

If you can satisfy those customers, then you’ll make money, and quite possibly a lot of money, if you can scale up that business as your customer base grows.

Manage your money wisely, and you can build your wealth too.

Determination, hard work, and an eye for problems to be solved are the main ingredients for business success. Your enterprise really can lead you to great wealth.

You don’t have to be poor

You don’t have to be poor unless you’ve given up and you’re just accepting that being poor is your lot in life. It’s not, and nor should it be.

You’re perfectly capable of generating your income, dear reader.

You just need to do stuff for other people and find a way to add value to their lives. In this case, adding value means solving problems or making their lives easier and/or better in some way.

Help yourself by helping others get what they need

It all comes down to your willingness to find a way to serve others. Simple!

There are opportunities there for you to take every single day of the week if you’re enterprising and ready to solve problems for other people. However, you do need to be fleet-footed.

The best time to start a business might have been last year, but the next best time is right now.

And age is no barrier to starting a business either. Remember, Colonel Sanders was 65 years old when he started KFC, and Ray Kroc was 52 when he started building the business we know as McDonald’s.

It can be done, and people do. Why not you? Go on, just go for it! Real riches can be yours.

Good luck!

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Filed Under: Wisdom Tagged With: Achievement, being the best, How to turn entreprise into money, Inspiration, Life, Making Money, money, Motivation, Philosophy, Sage Advice, Stress-free, Success, Wealth, Wisdom

7 Money Rules:

1. Pay Yourself First

2. Invest a Minimum of 10% of Your Income Every Month

3. Spend Less Than You Earn

4. Don’t Waste Money on a Lifestyle You Can’t Afford

5. Never Incur Debt for Discretionary Items

6. Only Use Debt to Buy Assets (Like Property)

7. Avoid Impulse Purchases with the 24-Hour Rule

Final Thought: Money Is a Tool – Use It on Purpose

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What matters most in life?

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What matters most in life?

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