The document presents a collection of inspirational quotes related to financial management, highlighting the importance of budgeting, generosity, and living within one's means. It emphasizes key messages from various influential figures about the significance of saving, spending wisely, and building character. The author, José R. Figueroa, aims to encourage readers to cultivate a prosperous and financially fit new year.

1. José R. Figueroa
December-2013
www.figueroafinancial.com

2. To close out 2013, I wanted to give you some
inspiration and exhortation for your finances in
the New Year.
What follows is a collection of some of my
favorite quotes on managing your money.
May you have a blessed, prosperous, and
financially fit 2014.
Happy New Year!!!

3. “Make all you can, save all you
can, give all you can.”
John Wesley
Christian Theologian

4. “He who spends more than he earns is
sowing the winds of needless selfindulgence from which he is sure to reap
the whirlwinds of trouble and humiliation.”
George S. Clason
“The Richest Man in Babylon”

5. “A budget is people telling their money
what to do, instead of wondering where it
went.”
John Maxwell
Author & Motivational Expert

6. “Money is just a tool. You can use for greed
or good. The latter brings far more joy.”
Pastor Rick Warren
Saddleback Church, California

7. “We would worry less if we praised more.
Thanksgiving is the enemy of discontent
and dissatisfaction.”
Harry A. Ironside
Canadian-American Bible teacher

8. “Never spend your money
before you have it.”
Thomas Jefferson
3rd U.S. President

9. “The shortest path to wealth
building is for you to have no
payments.”
Dave Ramsey
Financial Author & Radio Host

10. “Making money is hard; spending it
is easy; saving it is tough; investing it
is tricky; giving it is fulfilling.”
Dr. David Jeremiah
Pastor Shadow Mountain Church, California

11. “Economy is half the battle of life; it is
not so hard to earn money as to spend
it well.”
Charles Haddon Spurgeon
19th Century British Preacher

12. “I would rather go to bed supperless
than rise in debt.”
Benjamin Franklin
U.S. Founding Father, Statesman

13. “All pleasure is bought at a price. For
the legitimate pleasure you pay
before. For the illegitimate pleasure
you pay after.”
Ravi Zacharias
Christian Teacher, Apologist

14. 6 But godliness actually is a means of great
gain when accompanied by contentment.
7 For we have brought nothing into the
world, so we cannot take anything out of it
either.
8 If we have food and covering, with these we
shall be content.
I Timothy 6:6-8

15. “Be generous with all your possessions, and
passionate about justice.
Share your time, talent, and treasure with
those who have less.”
Pastor Tim Keller
Redeemer Presbyterian Church, New York

16. “You can get everything money will buy
without a lick of character, but you can’t get
any of the things money won’t buy –
happiness, joy, peace of mind, winning
relationships, etc., without character.”
Zig Ziglar
Author & Motivational Speaker

17. “It’s not how much we give but how
much love we put into giving.”
Mother Teresa
Indian Roman Catholic Religious Sister

18. “The best way to pay off a debt is to
never have one.”
Warren Buffet
American business magnate, investor, and philanthropist

19. “The itch for things, the lust for more, is a
virus draining our souls of happy
contentment.”
Pastor Chuck Swindoll
Stonebriar Community Church, Texas

20. “To contract new debts is not the way to
pay old ones.”
George Washington
1st U.S. President

21. “We are not cisterns made for hoarding,
we are channels made for sharing.”
Reverend Billy Graham
American Evangelist

22. “God is the great giver. The great provider.
The fount of every blessing. Absolutely
generous and utterly dependable.
The resounding and recurring message of
Scripture is clear: God owns it all. God
shares it all. Trust him, not stuff!”
Max Lucado (“Fearless”)
American Christian Author & Pastor

23. “The key factor that will determine your
financial future is not the economy; the key
factor is your philosophy.”
Jim Rohn
Author & Motivational Speaker

24. “Surplus wealth is a sacred trust which its
possessor is bound to administer in his
lifetime for the good of the community.”
Andrew Carnegie
American industrialist & philanthropist

25. “There is no dignity quite so impressive,
and no independence quite so important,
as living within your means.”
Calvin Coolidge
30th U.S. President

26. “Greed is the assumption that it's all for my
own consumption. Giving is a powerful
antidote to greed.”
Pastor Andy Stanley
North Point Community Church, Georgia

27. 17 Instruct those who are rich in this present
world not to be conceited or to fix their hope on
the uncertainty of riches, but on God, who
richly supplies us with all things to enjoy.
18 Instruct them to do good, to be rich in good
works, to be generous and ready to share,
I Timothy 6:17-18

28. José R. Figueroa is a Personal Finance
Coach/Blogger @ Figueroa Financial: Help
and Hope for Your Finances.
He is also the author of the e-books
7 Principles for Financial Success and
Not Mine, Not Yours, But Ours now available
@ Amazon.

29. Website: www.figueroafinancial.com
e-mail: jose.figueroa310@gmail.com
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