"I don't want to be a tightwad or a spendthrift.
I want to be smart.
I want to celebrate life,
to surround myself with beauty,
and to be content in whatever state I am in.
I want to manage my finances,
to organize my routine,
and to use my possessions wisely.
I want to budget resources and time,
to help others,
and to bring glory to God."
From the book, Living Well on One Income in a Two-Income World, by Cynthia Yates
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