Benjamin Franklin is my new hero. He’s totally quoteable, and much of what he had to say back in 1776 is as valid today as it was back them. – So without further verbiage, here are ten of Franklin’s better quotes on Frugality.

1. A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone, and die not worth a groat at last.

2. Beware of little expenses; a small leak will sink a great ship.

3. Buy what thou hast no need of, and before long thou shalt sell thy necessaries.

4. A fat kitchen makes a lean will.

5. Many estates are spent in the getting, Since women for tea forsook spinning and knitting, And men for punch forsook hewing and splitting.

6. Think of saving as well as of getting: the Indies have not made Spain rich, because her outgoes are greater than her incomes.

7. Women and wine, game and deceit, Make the wealth small, and the wants great.

8. What maintains one vice, would bring up two children.

9. Who dainties love, shall beggars prove.

10. Fools make Feasts, and wise men eat them.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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