Budgeting Quotes

Quotes tagged as "budgeting" Showing 1-30 of 37
“Don't tell me what you value, show me your budget, and I'll tell you what you value.”
Joe Biden

Sinclair Lewis
“It isn't what you earn but how spend it that fixes your class.”
Sinclair Lewis, It Can't Happen Here

George Washington
“We must consult our means rather than our wishes.”
George Washington

“A penny saved is worth two pennies earned . . . after taxes. ”
Randy Thurman

Calvin Coolidge
“Economy is idealism in its most practical form.”
Calvin Coolidge

Natalie Pace
“A Debt Problem Is, At Its Core, a Budgeting Problem.”
Natalie Pace, The ABCs of Money

Rasheed Ogunlaru
“See money – currency - as the flow of energy and giving that cycles between you, others and me. Now let it flow kindly, fairly and mindfully.”
Rasheed Ogunlaru

Tsh Oxenreider
“The simplest definition of a budget is "telling your money where to go.”
Tsh Oxenreider, Organized Simplicity: The Clutter-Free Approach to Intentional Living

Richard  Meadows
“Out in the real world, in which actual human beings live, it’s hard to come up with a more stupid example than 'ditching the daily latte'. Want to get your finances in order? Great! All you have to do is wean yourself off an addictive, stimulatory drug, which you’ve been using all your adult life, will cause withdrawal symptoms and impair your performance when you try to quit, is universally available, woven into the very fabric of social life, is the only addiction that carries no stigma whatsoever, and helped bring about the Enlightenment. Oh, and it’s also really frickin’ delicious.
Richard Meadows, Optionality: How to Survive and Thrive in a Volatile World

Samuel Pepys
“Now public business takes up so much of my time that I must get time a Sundays or a nights to look after my own matters.”
Samuel Pepys, The Diary of Samuel Pepys

“A personal budget is a manifestation of your decision to grab your finances by the balls”
Money Tree Man

Natalie Pace
“Every cent you own and every moment you spend is always an investment.”
Natalie Pace, Put Your Money Where Your Heart Is: Investment Strategies for Lifetime Wealth from a #1 Wall Street Stock Picker

“Примерно тридцать лет назад в альманахе Крэнфилдской школы управления Cranfield Broadsheet появилась статья Гарри Генри How much should you spend on marketing? («Сколько надо тратить на рекламу?»). Автор выделил 15 подходов, обычно применяемых разными компаниями при решении этой проблемы.

1. Интуитивный и/или грубо эмпирический подход. Как правило, принимается волевое решение, которого вполне достаточно, чтобы выполнить работу при наличии достаточного опыта.

2. Поддержание прежнего уровня расходов. Если метод работает, то продолжать делать то, что делали (иногда с поправкой на инфляцию).

3. Процент от предыдущих продаж. Отсталый метод, основанный на ожидании «наград» за прошлые успехи (или наказания за неудачи).

4. Метод исчисления от наличных средств. Действовать в рамках бюджета.

5. Остаточная прибыль прошлого года. Метод связан с источниками финансирования, а не направлениями их использования.

6. Процент от валовой прибыли. Метод, позволяющий уклоняться от решения вопроса рентабельности.

7. Процент от прогнозируемого объема сбыта. Самый распространенный метод.

8. Фиксированные расходы в расчете на единицу продаж. Простая арифметика.

9 Затраты на клиента и/или на капитал. Метод часто используют компании, работающие с деловыми предприятиями, то есть в секторе B2B.

10. Соответствие уровню расходов конкурентов. Конкуренты знают, что делают.

11. Приведение доли «рекламного голоса» к доле марочного товара. Если вы занимаете 5-процентную долю рынка, то доля вашего информационного присутствия на конкурентном поле тоже должна быть 5-процентной.

12. Предельная отдача. Предельный коэффициент окупаемости возможен в компаниях, применяющих метод рекламы прямого отклика. Но вы можете расширять свою аудиторию только до тех пор, пока прирост прибыли от дополнительных клиентов не оказывается ниже целевой нормы прибыли.

13. Ориентация на задачи. Вы определяете цели и рассчитываете, сколько денег вам понадобится для их достижения. В теории метод выглядит отлично, но на практике может потребовать серьезного эконометрического моделирования.

14. Моделирование. Самый сложный подход.

15. Проверка значимости средств рекламы. Вы выходите на рынок и проводите рекламную кампанию сначала в одном регионе (Восточное побережье), а затем в другом (Западное побережье), после чего сравниваете результаты. Теоретически метод замечательный, но на практике все сложнее: во-первых, значимость непросто оценивать в стоимостном отношении, во-вторых, проверку трудно проводить повторно.”
Димитри Маекс, Пол Браун

“When you are extravagant, you can result yourself facing alot of debt and not adjust to the pursuit of happiness.”
Saaif Alam

“It is difficult to create a budget for life when we all cash out the same. Corpses have no currency." -The Years Before My Suicide”
Amber Garibay

Natalie Pace
“Most Americans and Canadians (& earthlings) can save thousands annually with smarter energy choices. That's a lot of bucket list vacations, while providing far better for your own future and living a richer life today.”
Natalie Pace, The ABCs of Money

“Budgeting is not just for people who do not have enough money. It is for everyone who wants to ensure that their money is enough.”
Rosette Mugidde Wamambe

Terry McMillan
“Why people take drugs baffles me to no end. Especially when they can't afford them.”
Terry McMillan, Who Asked You?

Alain Bremond-Torrent
“Sardines or not sardines, that is the question.”
Alain Bremond-Torrent, running is flying intermittently

Zachariah Renfro
“Overspending while trying to raise one’s status is a condition of economic materialism which hurts people financially, because it usually results in unnecessary debt. One does not raise social strata by buying things but instead by acquiring enough wealth to qualify for the next category of wealth.”
Zachariah Renfro, Aristotle's Wallet Large Print Edition: A Short Book on Applying Aristotle to Personal Finance

Zachariah Renfro
“It is in times of financial hardship that families must by necessity come closer together and reaffirm their love more frequently. Stress and hardship can destroy a family.”
Zachariah Renfro, Aristotle's Wallet Large Print Edition: A Short Book on Applying Aristotle to Personal Finance

Zachariah Renfro
“Remember that family is not just feeling that people have towards each other but a series of duties and responsibilities that must be fulfilled.”
Zachariah Renfro, Aristotle's Wallet Large Print Edition: A Short Book on Applying Aristotle to Personal Finance

Fritz Shoemaker
“A 3% budget increase is a timid goal in a business environment where timidity/ irresoluteness loses”
Fritz Shoemaker

Harken Headers
“If you want a
healthy, nutrient dense, poor man’s diet you can’t go wrong with whole grains and
Harken Headers, Health & Not Screwing It Up

Harken Headers
“The basic thing with frugality is:
Harken Headers, Health & Not Screwing It Up

Christopher Manske
“By keeping enough cash to cover at least one month of your typical spending, you’ve created enough liquidity to weather every crisis situation that has occurred so far in modern history.”
Christopher Manske, The Prepared Investor: How to Prevent the Next Crisis from Affecting Your Financial Independence

Christopher Manske
“When you buy a bigger house, another luxury car, or a fancy boat, you are showing people that you used to have money.”
Christopher Manske, The Prepared Investor: How to Prevent the Next Crisis from Affecting Your Financial Independence

“Its not get it from the 1% that is the correct $$ Grubbing answer . . . to all budget solutions . . . its the 11% answer . . . . . If you took 111% from the Top 11% . . . you can ONLY pay for 11% of everything Democrat Politicians want to do . . . where do you think the rest is coming from . . . U . . . times 11”
Kevin Kolenda

“Without action, inertia and stagnation create rigor mortis in the business”
FLOYD TALBOT, Customer-Driven Budgeting

“A good roadmap will get you to your destination.”
FLOYD TALBOT, Customer-Driven Budgeting

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