Spending Advice

We at Payday Financial are here to offer you the financial support that you need, when you need it, but we also encourage you to spend wisely, assess your priorities and put your money only where it counts. We are glad to be at your service and offer you the loan that you so desperately need, but we also believe in the concept of responsible lending and in borrowing money only when there is no other option available. You should always assess your motivation when it comes to spending money on a product or taking a loan. You have to ask yourself if you really need to take that action, if that is what you want, and if that action serves your short-term or long-term goals with regard to your finances and, to a larger extent, your life.

When things start to go wrong and our finances do not meet our needs and goals, we have the tendency to blame other people or external factors and the truth is that it all lies in our attitude towards money and in our short-term or long-term way of acting. There will always be external factors that will stand in the way of our financial goals, but with the right attitude, a different perspective and the right actions, we can handle these factors and alter them to our advantage. For inspiration on how to better define and adjust your attitude towards money, we've assembled a collection of quotes on money that we hope can be of help. Enjoy!

Sometimes, you got lot of time for others, yet, sometimes, you need others to lend you some. Otherwise, you might feel lonesome! Lonesome! I Loaned some... - Marie-Suzanne Labelle (A.K.A Marie-Sue)

Never assume your lender will take charge of your finance. Take a pro-active role in managing your own personal finance. It is your matter, not theirs. - Zeng Han Jun

Take care of your debts and your debts will take care of you - Zeng Han Jun
It is never about how much you earn. It is how much you spend relative to how much you earn that matters. - Zeng Han Jun

A good measure of debts can help you in achieving your goals. However, an over dosage can produce nasty problems in the future... - Zeng Han Jun

Banks tend to shy away from smaller loans, startups, certain 'riskier' industries, or less than perfect credit scores. A brand-new business, running for a month, few banks want to take that on. - Luz Gomez

Loans should be taken out after a student has fully exhausted other options, such as grants and scholarships, that do not need to be repaid. The bottom line is that there are several low-cost options for students and their parents to cover the cost of college. - Martha Holler

The man who won't loan money isn't going to have many friends - or need them. - Wilt Chamberlain

If one considered life as a simple loan, one would perhaps be less exacting. We possess actually nothing; everything goes through us. - Eugene Delacroix

The biggest shock when I lost it all was the realization that so much of my life had been out of my control. When I started to make the money back, I vowed that it would never happen again. I bought things only when I could afford them. There was no big mortgage, no cars on hire purchase. I remember buying a TR6 sports car for £6,000, and funnily enough it gave me more pleasure than the Porsche ever had. - Simon Cowell

Never expect a loan to a friend to be paid back if you want to keep that friend. - Bryant H. McGill

Today, if you look at financial systems around the globe, more than half the population of the world - out of six billion people, more than three billion - do not qualify to take out a loan from a bank. This is a shame. - Muhammad Yunus
You loan your friend money. You see them again, they don't say nothin' 'bout the money. 'Hi, how ya doin'? How's ya mama doing?' Man, how's my money doin'? - Chris Tucker

Do not always listen to rumors in the market. Learn to keep out all those noises so you can sniff out the good deals. - Zeng Han Jun

Think positively! Pull your finance together as soon as possible during the economic slowdown. Don't wait for things to happen to you. Shave off some extra expenses, refinance that home loan, restructure some of your debts... - Zeng Han Jun

If you can, you will quickly find that the greatest rate of return you will earn is on your own personal spending. Being a smart shopper is the first step to getting rich. - Mark Cuban

A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending. - The Art of Money Getting, by P. T. Barnum

All days are not same. Save for a rainy day. When you don't work, savings will work for you. - M.K. Soni

Make all you can, save all you can, give all you can. - John Wesley

There are people who have money and people who are rich.  - Coco Chanel
Too much money is as demoralizing as too little, and there's no such thing as exactly enough.  - Mignon McLaughlin

Money often costs too much.  - Ralph Waldo Emerson

Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale.  - Zig Ziglar

The little money I have - that is my wealth, but the things I have for which I would not take money, that is my treasure.  - Robert Brault

Few are aware that they want any thing, except pounds schillings and pence.  - Augustus William Hare and Julius Charles Hare

Those who believe money can do everything are frequently prepared to do everything for money.  - Author Unknown

The best way for a person to have happy thoughts is to count his blessings and not his cash.  - Author Unknown

Do not value money for any more nor any less than it’s worth; it is a good servant but a bad master.  - Alexandre Dumas fils, Camille, 1852

Ordinary riches can be stolen; real riches cannot.  In your soul are infinitely precious things that cannot be taken from you.  - Oscar Wilde

Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game. - Donald Trump

The chief value of money lies in the fact that one lives in a world in which it is overestimated. - H. L. Mencken

A wise man should have money in his head, but not in his heart. – Jonathan Swift

Be rich to yourself and poor to your friends. - Juvenal

Lack of money is no obstacle. Lack of an idea is an obstacle - Ken Hakuta

It is pretty hard to tell what does bring happiness; poverty and wealth have both failed. - Kin Hubbard

The more you chase money, the harder it is to catch it. - Mike Tatum

Wealth is the parent of luxury and indolence, and poverty of meanness and viciousness, and both of discontent. – Plato

The glow of one warm thought is to me worth more than money. - Thomas Jefferson

Most people work just hard enough not to get fired and get paid just enough money not to quit. - George Carlin

If you want to feel rich, just count the things you have that money can't buy. (Proverb)
The art is not in making money, but in keeping it. (Proverb)

Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver. - Ayn Rand

Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are. - James W. Frick

Money never starts an idea. It is always the idea that starts the money. - Owen Laughlin

Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time. - Goethe

Money is usually attracted, not pursued. - Jim Rohn

Money grows on the tree of persistence. (Japanese Proverb)

Nothing is cheap which is superfluous, for what one does not need, is dear at a penny. - Plutarch

Pennies do not come from heaven. They have to be earned here on earth. - Margaret Thatcher

Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like. - Will Smith

The best things in life are free. – American Proverb

Put not your trust in money, but put your money in trust. - Oliver Wendell Holmes
The only thing money gives you is the freedom of not worrying about money. - Johnny Carson

Money is to my social existence what health is to my body. - Mason Cooley
A budget tells us what we can't afford, but it doesn't keep us from buying it. - William Feather

Money is only a human invention. I get paid for my work, it's a system of trade, but it's not my purpose and reason for living. Vanna Bonta

If I owe you a pound, I have a problem; but if I owe you a million, the problem is yours. - John Maynard Keynes

It's better to owe money than a favor. – Unknown

A penny saved is a penny earned. - Benjamin Franklin

Money can’t buy you happiness but it does bring you a more pleasant form of misery. - Spike Milligan

If you would like to know the value of money, go and try to borrow some. - Benjamin Franklin

Who is rich? He that is content. - Benjamin Franklin

Money on its own is neither good nor bad. It is a means to an end. - Author Unknown

If you know how to spend less than you get, you have the philosopher’s stone. - Benjamin Franklin

For more quotes about money and spending advice, please visit our twitter account @money_whisper.