Did They Say That? Spend Less Than You Make

“Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.”

Charles Dickens

This is probably rule #1 in personal finance. Spend less than you make. If you can’t do that you need to make more money or cut expenses. Get on a budget, find out where the holes are, and fix it. That’s the only way to do it. Hard work pays off in the end.