Time may be money, but it's much easier to persuade someone to give you his time than to lend you his money.

The reward for saving your money is being able to pay your taxes without borrowing.

Before borrowing money from a friend, decide which you need more.

Always strive to live within your income, even if you have to borrow to do so.

A lifelong friend is someone you haven't borrowed money from yet.

Some people think a cigarette is not harmful if they borrow it from someone else.

An acquaintance is a person you know well enough to borrow from, but not well enough to lend to.

Many public speakers can talk for hours without any notes -- or knowledge.

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