1. Always Ask for a Discount

"Always ask for a discount. It surprises me how many people in business still don't do this. There's no downside (I've never had anyone get offended and choose not to work with me), and the upside is that quite often you will get a discount. To maximize the discount, it's best to have done your research so you can tell each vendor what deals other vendors have offered you." - Tom Murcko
What's the worst that will happen - they say no! It always pays to ask for a discount. Maybe they can only offer a small discount, but any discount is better than no. They also might not be able to offer a discount, but maybe they have the ability to throw in something extra.

2. Money and Survival

"Only when the last tree has died and the last river been poisoned and the last fish been caught will we realise we cannot eat money." - A Cree Indian Proverb
While money is extremely important, other things are more important in life - like food, water and shelter. It is important to gain skills that could help you meet your basic life needs if money becomes an issue, since you can't eat money.

3. Importance of Money

"The importance of money flows from it being a link between the present and the future." - John Maynard Keynes
While money is important now, it becomes even more important in the future. It is important to save and budget your money because you never know what the future holds. There could be some emergency in the future that requires a large sum of money, and without saving money in the past it could be difficult to pay for this unexpected expense.

4. Poverty and Happiness

"Resolve not to be poor: whatever you have, spend less. Poverty is a great enemy to human happiness; it certainly destroys liberty, and it makes some virtues impracticable, and others extremely difficult." - Samuel Johnson
Throughout life it is important not to spend everything that you make, save some money for the future. Saving can possibly help you avoid financial distress and poverty in the future.

5. Spending Money

"Money is of no value; it cannot spend itself. All depends on the skill of the spender." - Ralph Waldo Emerson
You could be really rich but have no money in your bank account, or you could be poor and have a lot of money saved up. Money itself has no real value, but if you are a saver and invest your money properly you can end up having more money than in the beginning. By budgeting and saving a portion of your paycheck you have more money skills than most of the world.

6. The Chief Value of Money

"The chief value of money lies in the fact that one lives in a world in which it is overestimated." - H.L. Mencken
Money is something that everyone reaches for, but it is not the most important thing in life. The common phase "money can't buy happiness" is very true - people think money will make their life better, but in reality money can't buy a lot of things than can help improve your life.

7. How Most People Take Care of Money

"Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time." - Johann Wolfgang Von Goethe
During your life it is important to take care of your money and think about it in terms of the future. Save a portion of your money for retirement, you'll be glad you did in the future.