“Saving is making provision for tomorrow, while debt is presumption upon tomorrow…
Saving means to forego an expenditure today so you will have something to spend in the future. Perhaps this is why most people never save; it requires the denial of something that you want today, and our culture is not a culture of denial. When we want something, we want it now…
The fundamental principle you need to practice to become a successful investor is to spend less than you earn. Then save and invest the difference over a long period of time…
For where your treasure is, there will your heart be also. Luke 12:34
If we concentrate solely on saving and investing, our focus and affection gravitate there. We will be drawn inexorably to those possessions. But if we balance our saving and investing by giving generously to the Lord, we can still love Christ first with all our heart.”
Howard Dayton in Your Money Counts (Wheaton: Tyndale House, 1996) 100, 101, 106.