Hard work : All hard work bring a profit, but mere talk leads only to poverty.

Laziness : A sleeping lobster is carried away by the water current.

Earnings : Never depend on a single source of income. (at least make your Invest meats get you second earning)

Spending: If you buy things you don’t need. you'll soon sell things you need,

Savings: Don’t save what is left after sending; Spend what is left after saving.

Borrowings: The borrower becomes the lenders slave.

Accounting: Its no use carrying an umbrella if your shoes are leaking.

Auditing: Beware or little expenses; A small leak can sink a large ship.

Risk-taking: Never test the depth or the river with both feet. (Have an alternate plan ready)

Investment : Don't put all your eggs in one basket.