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Thrift involves self-denial and frugal living for the time being, until the prosperity which grows out of thrift permits one to indulge more liberally on that which is desired. Only after wealth is built, can one afford the man-made luxuries of life.

One of the primary elements of thrift is to spend less than you earn, to save a regular portion from the salary received in an effort to plan for future comfort and opportunity.

Some people who spend every cent of their income are heard complaining about the fact that they have never become rich. They pick out some other man who is known to have made a fortune and speak of him as being “lucky”.

There is practically no such thing as luck in business and the man or woman who depends upon it to carry him through is very likely not to get through at all.

“Economy is wealth,” This business coaching services proverb has been repeated to most of us until we are either tired of it or careless of it, but it is important to recall that a saying becomes a proverb because of its truth and significance.

“Provided he has some ability and good sense to start with, is thrifty, honest, and economical,” said Philip D. Armour, “there is no reason why any young man should not accumulate money and attain financial success in life.”

John Jacob Astor said it cost him more to get the first thousand dollars than it did afterwards to get a hundred thousand; but if he had not saved the first thousand, he would have died poor.

The first thing that a man should learn to do,” says Andrew Carnegie, “is to save his money. By saving his money he promotes thrift, - the most valued of all habits. Thrift is the great fortune-maker. It draws the line between the savage and the civilized man. Thrift not only develops the fortune, but it develops also, the man’s character.”

The habit of thrift improves the quality of character because it strengthens the will that it depends upon to say “no” to all of the little extras one desires. Furthermore, the saving habit indicates an ambition to get along and move up in the world. It developed a spirit of independence and self-reliance. It means hope and a determination to “make good.”

Beware of the impulse to buy on credit. It’s better to save and pay in full if you absolutely must have something.

Credit is a curse! In every magazine and in every store window you will see the sign that reads, “Your credit is good with us!” and “Zero% Financing for Six Months” or “Easy Payment Plan!”

With these special buying offers come clothing, furniture, jewelry and automobiles. In addition, you get the added accumulation of guilt, remorse, shame, disgust and self-pity, warn business coaching services gurus.

As one man put it, “Easy payments they sure are. As a matter of fact, the easy payments take all the ease and comfort out of life – they are easy only to the man who receives them.”

There’s another old saying that business coaching services trainers tell, “He that goes a borrowing goes a sorrowing.” Every man is needy who spends more than he has; but no man is needy who spends less.

If you are suffocating from debt, or at the very least beginning to feel the initial discomforts from borrowing on time, decide now to become free of debt as soon as humanly possible. Sell so many things in your house that the dog thinks he is next! If you owe $10,000 on an automobile, sell it, and buy a used one for only $3,000 so that you can pay off other debts that are holding you back from a more prosperous future.

Become laser-beamed focused to owe no man or institution. The borrower is slave to the lender and you don’t want to be either of these. You have more to offer the world, but you need to gain the leverage of your entire income to achieve greatness.

Your income is your single greatest tool for achieving wealth. If most of it is being used to pay monthly installments, then your wealth-building power is greatly diminished.

Say it out loud, “I’ve had it, and I refuse to be indebted to no man!” Start now by taking out a piece of paper and write out a complete budget for the next 30 days – SPEND IT ALL ON PAPER IN ADVANCE SO THAT YOU WILL BE ASSURED TO SAVE ALL YOU CAN. Work like you’ve never worked before until one day you can raise the window of your paid-off home and scream, “I’m Debt Free!”

1. Describe your present relationship with money. Are you more a saver or a spender? Do you easily acquire debt? Are you effectively planning for your later years or do you feel overwhelmed with the weight of your debt?





2. Explain how you typically respond to the prospect of taking a vacation, buying nice clothing, jewelry or other special items of interest. Are you satisfied with this response and do you feel it serves you well? Do you wish to improve in this area of your life?





3. Given what you know now from the above business coaching services information on thrift, how might you respond differently the next time you are faced with the prospect of adding to your debt? Explain what you need to do differently in order to gain better results in the future. Identify what you are willing to sacrifice in order to create positive change in this area of your life.

Receive your free business coaching services ebook - a Leadership Coaching Course. This unique collection of 27 powerful chapters are packed full of key success tips, true stories of achievement and wonderful examples of regular people doing extraordinary things. Remember, you only need to download once. All of the 27 chapters of this business coaching services ebook are included in a single pdf file for your convenience.

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» Chapter Twenty-Three - Reading to Ignite Ambition
"The great use in reading is for self-discovery." - Marden

» Chapter Twenty-Four - Choosing Success Over Failure
"Millions of youths fail in life because they fail to choose work they love. Work that lacks emotion amounts to nothing more than drudgery." - R.T. Gorham

» Chapter Twenty-Five - Enjoying a Long Life
"Don't let your heart grow cold, and you shall carry youth with you into the teens of your second century." - William Ewart Gladstone

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