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It is probable that the principal credit of miracles, visions, enchantments, and such extraordinary occurrences comes from the power of imagination, acting principally upon the minds of the common people, which are softer.
—Michel de Montaigne (1533–1592)
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To have the external pressure of a job removed is very astonishing. Your own will is now your only motor and it has no horse-power. Sometimes I think that perhaps the most competent business men, and lawyers and doctors, who must be at the office at nine o’clock every morning, do not realize this and take more credit for initiative and industry than they deserve. And it is why all the bright women of the world, who if more were expected of them, might do important work, but who instead have a chronic feeling of ineffectiveness and sloth.
—Brenda Ueland (1891–1985)
Getting Out And Staying Out Of Credit Card Debt ... Although we all like to place the blame on the credit cards and the credit card companies, you need to keep in mind that the real cause of your financial mess is you. One shopping spree does not usually cause high debt. It is usually a pattern that consists of gradually increasing purchases that add up to a large debt. The great thing is that it can be very easy to get out of debt. The key is to start spending less than you make. This is a long-term solution that can help you to whittle your debt down. ...