1. Things don't always turn out the way you want them to. Be prepared with a Plan B.
2. The guiding principle behind your budget should be the same as the sanity rule in Las Vegas---don't gamble more than you can afford to lose.
3. Wait until you can afford it. You'll live till then. Really.
4. Unless they are going to pay for it, don't buy anything based on what someone else will think if you do. Or don't.
5. There is NO free lunch. Period. No exceptions.
6. If you cannot meet your basic needs (shelter, food, personal covering) today, quit figuring angles on tomorrow. Get another job.
7. Appearing to be rich does NOT make you rich.
8. Saying something doesn't make it true.
9. If you don't understand it, don't sign it.
10. If you sign it, you owe it. Pay up and learn. It's repeating mistakes that's shameful.
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