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You need not spend your life wallowing in failure, ignorance, grief, poverty, shame and self-pity. There is a better way to live.
— Og Mandino
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One of the better ways to simplify our lives is to follow the counsel we have so often received to live within our income, stay out of debt, and save for a rainy day. We should practice and increase our habits of thrift, industry, economy, and frugality. Members of a well-managed family do not pay interest; they earn it.
— L. Tom Perry
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