One should realize that thriftiness is the basis for the accumulation of wealth and the economic growth of a nation. One seldom minimizes the value of money earned by the seat of the brow; however small it may be, but for the extravagant even a huge amount of money is worthless.  ‘Know how to use you money wisely and effectively.  A habit once formed becomes an incurable second nature.  Therefore utilize you wealth for worthwhile things and avoid employing it for harmful purposes and for monetary pleasures.

What are the things you possess?  What are your objectives in acquiring them? Learn how to spend wisely and the increase of your wealth will eventually be your guide.

Use your saving where it will pay you most.  The hoarding of money does not yield dividends!  If you wish your savings to pay you higher dividends join in with those of your fellow citizens.  It is through hard work, know how, and patience that you will be able to increase your capital.  The foundation and essential characteristics of a healthy society are mutual trust and confidence.  Unless man undertakes the improvement of his society in cooperation with others, his striving for wealth becomes mere wishes.  Do not be the victims of temporary contentment and petty satisfactions.  Aspire for worthwhile aims that shall be ideals for succeeding generations.