Earnings :  



Never depend on single income. At least have your income from two sources.

A MULTIPLE INCOME STREAM You may LIKE



Spending : 



If you BUY things you do not need, soon you will SELL things you need.





Savings : 


 Don't save what is left after spending, spend what is left after saving.









Risk : 



Never test the depth of river with both feet.





Investment : 



Don't put all eggs in ONE basket. This is where Portfolio management comes in rescue.






Auditing : 



Beware of little expenses. A small leak can sink a large ship.





Borrowing : 


The borrower becomes the lender's slave






Hard-work : 




All hard work being profit, but mere talk leads only to poverty.






Accounting : 


 Umbrella is of no use if your shoes are leaking







Laziness : 



A sleeping lobster is engulfed by water currents.