The reward for saving your money is being able to pay your taxes without borrowing.

Before borrowing money from a friend, decide which you need more.

Always strive to live within your income, even if you have to borrow to do so.

A lifelong friend is someone you haven't borrowed money from yet.

Some people think a cigarette is not harmful if they borrow it from someone else.

An acquaintance is a person you know well enough to borrow from, but not well enough to lend to.

Many public speakers can talk for hours without any notes -- or knowledge.

Some people can stay longer in an hour than others can in a week.

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