"There's no substitute for saving money. Next time you crack open your wallet, think on this: The dollars you spend today ARE delaying your retirement." ~~Jonathan Clements
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"Economy is a poor man's revenue; extravagance, a rich man's ruin." ~~??, frontspiece, The American Frugal Housewife, by Lydia Maria Child, Harper & Row, 1836 edition (dedicated to those who are not ashamed of economy).
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