{"id":3256,"date":"2010-09-04T19:14:38","date_gmt":"2010-09-05T03:14:38","guid":{"rendered":"https:\/\/www.pickthebrain.com\/?p=3256"},"modified":"2013-08-23T09:53:28","modified_gmt":"2013-08-23T17:53:28","slug":"10-inspirational-quotes-to-apply-to-your-finances","status":"publish","type":"post","link":"https:\/\/www.pickthebrain.com\/blog\/10-inspirational-quotes-to-apply-to-your-finances\/","title":{"rendered":"10 Inspirational Quotes to Apply To Your Finances"},"content":{"rendered":"
<\/div>

<\/a><\/p>\n

EVERYONE likes handy little money-saving tips, but getting control of your finances sometimes takes much bigger ideas.<\/p>\n

Why not take these ten inspirational quotes and apply them to your finances?<\/p>\n

\u201cWorry, like a rocking chair will give you something to do, but it won\u2019t get you anywhere.\u201d<\/strong> – Vance Havner<\/p>\n

Most of us are guilty of worrying about money, and whilst it might be justified in some circumstances, the actual worrying won\u2019t solve any problems \u2013 and worse still, it can be bad for your physical and mental health.<\/p>\n

\u201cLearn from yesterday, live for today, hope for tomorrow.\u201d<\/strong> – Albert Einstein<\/p>\n

When it comes to your finances, it\u2019s important to learn from your mistakes. It means you will find yourself better off and more able to \u2018live for today\u2019 and have \u2018hope for tomorrow\u2019.<\/p>\n

\u201cAdvertising has us chasing cars and clothes, working jobs we hate so we can buy shit we don’t need.\u201d<\/strong> – Tyler Durden, Fight Club (via author Chuck Phalanuick)<\/p>\n

Anti-consumerist and anarchist Tyler Durden\u2019s methods might have been extreme in the novel\/movie Fight Club, but the nihilist offered some wise words on mass-consumerism.<\/p>\n

Think carefully about what you spend your money on \u2013 do you really need it?<\/p>\n

\u201cThe pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails.\u201d<\/strong> – William Arthur Ward<\/p>\n

The causes of your financial problems and the chances of them improving are both academic unless you do something to improve the situation yourself.<\/p>\n

\u201cEveryone thinks of changing the world, but no one thinks of changing himself.\u201d<\/strong> – Leo Tolstoy<\/p>\n

Tolstoy\u2019s sentiments are similar to William Arthur Ward\u2019s. If you have money troubles you can get bogged down in what caused them. You can\u2019t change the economy and you can\u2019t change the way finance works, but you can change the way you spend and save.<\/p>\n

 <\/p>\n

 <\/p>\n

\u201cHave patience, and endure\u201d<\/strong> – Shakespeare, Much Ado<\/p>\n

If you apply Shakespeare\u2019s advice to your finances, and realise that things are not going to change overnight, you can alleviate some of the stress you put upon yourself.<\/p>\n

\u201cA journey of a thousand miles begins with a single step.\u201d<\/strong> – Lao-tzu<\/p>\n

Combine the logic of Tolstoy and Shakespeare, and you get something resembling this quote from sixth Century philosopher Lao-tzu. Start by changing your own habits, like Tolstoy says, but think small.<\/p>\n

Even if it\u2019s only something like opening a savings account like a cash Isa<\/a> <\/span>and putting a small amount of money in it, \u2018A journey of a thousand miles begins with a single step.\u2019 <\/strong><\/p>\n

\u201cBoth optimists and pessimists contribute to our society.\u00a0 The optimist invents the airplane and the pessimist the parachute.\u201d<\/strong> – Gil Stern<\/p>\n

Of course it\u2019s important to stay positive, but don\u2019t let a rose-tinted view of your finances stop you from preparing for difficulties. If you\u2019re going to fly a plane, you\u2019d want to know there was a parachute on board wouldn\u2019t you?<\/p>\n

\u201cLearn all you can from the mistakes of others.\u00a0 You won’t have time to make them all yourself.<\/strong>\u201d – Alfred Sheinwold<\/p>\n

Listen to your friends and family if they have experience in any of the financial areas you\u2019re thinking about. Ask your parents about their first mortgage, ask your grandma how she used to save money and make use of their advice.<\/p>\n

\u201cGo forward without fear.\u201d<\/strong> – Abraham Lincoln<\/p>\n

Don\u2019t bury your head in the sand! Tackling financial problems requires action, and things won\u2019t get fixed if you try to ignore them. Don\u2019t let fear hold you back.<\/p>\n

Glossary of terms<\/strong><\/p>\n

APR<\/strong><\/p>\n

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don\u2019t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.<\/p>\n

Balance Transfer<\/strong><\/p>\n

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.<\/p>\n

Credit Card<\/strong><\/p>\n

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.<\/p>\n

Direct Debit<\/strong><\/p>\n

This allows an organization to take money directly from a persons bank account<\/p>\n

Minimum payment <\/strong><\/p>\n

The amount you must pay each month to keep your account in order<\/p>\n

Interest-free period<\/strong><\/p>\n

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it’s free borrowing.<\/p>\n

Promotional Rate<\/strong><\/p>\n

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.<\/p>\n

[Mark Hooson writes for Moneysupermarket.com<\/a> about money-saving, consumer issues and personal finance.]<\/p>\n","protected":false},"excerpt":{"rendered":"

EVERYONE likes handy little money-saving tips, but getting control of your finances sometimes takes much bigger ideas.<\/p>\n

Why not take these ten inspirational quotes and apply them to your finances? 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