A Quote by Margaret Thatcher
The secret of happiness is to live within your income and pay your bills on time.
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My policies are based not on some economics theory, but on things I and millions like me were brought up with: an honest day's work for an honest day's pay; live within your means; put by a nest egg for a rainy day; pay your bills on time; support the police.
People try to live within their income so they can afford to pay taxes to a government that can't live within its income.
Your greatest asset is your paycheck. Disability insurance protects you and your family if you are unable to work by providing income which will help pay your bills and take care of your family. It's just as important as life insurance.
We all live in an ongoing series of calamities. I don't know of any individual who doesn't have a series of calamities. Life doesn't operate where, you make a certain amount of money, you pay your bills, you move on from day-to-day-to-day. No! What happens is, you make your money, you pay your bills, and then a new bill comes up that's completely unexpected.
If I'm owed money, but I say, 'Don't pay me, pay my cousin. Don't pay me, pay my charity,' you can do that, but then the IRS requires that you pay income tax on that. It's your income if you earned it and you directed where it went. If you exercised control over where the money went, you have to pay income tax on that.
You want to make a difference in your world? Live a holy life: Be faithful to your spouse. Be the one at the office who refuses to cheat. Be the neighbor who acts neighbors. Be the employee who does the work and doesn't complain. Pay your bills. Do your part and enjoy life. Don't speak one message and live another. People are watching the way we act more than they are listening to what we say.
If your employer pays your health insurance, that's not counted as income to you. And any economist would say that's your income, because they'd pay a higher wage if they didn't take it. That's a huge loss to the Treasury.
If you're able to pay your bills, you pay your bills. It's as simple as that.
Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
Elected officials want to paint everyone with a broad brush. What they don't get is that everyone pays bills. Liberal activists pay bills. Conservative activists pay bills. Independents pay bills.
Let's be honest, you're very selfish in your twenties, and in your thirties you are just trying to get a down payment for your flat or enough money to pay your bills.
If you're a full-time manager of your own property - and full-time, according to Congress, is 15 hours a week - you can take unlimited depreciation and use it to offset your income from other areas and pay little in tax. One of the biggest real estate tax lawyers in New York said to me, if you're a major real estate family and you're paying income taxes, you should sue your tax lawyer for malpractice.
AT&T is now offering a new service that allows you to pay your bills through your TV screen by using your remote control. So instead of saying, "The check's in the mail," people are going to say, "Hey, I wanted to pay, but I couldn't find the remote."
If you have to pay about forty to forty-three percent of your income for housing, you also have to pay fifteen percent of your paycheck for the FICA for Social Security wage withholding. You have to pay medical care, you have to pay the banks for your credit card debt, student loans. Then you only have about twenty-five or thirty-five percent, maybe one-third of your salary to buy goods and services. That's all.
You can survive your income falling if it's not dramatic. Your income can decrease for a long time before you start living beyond your means.
If your happiness depends on your children being happy, that makes them your hostages. So stay out of their business, stop using them for your happiness, and be your own happiness. And that way you are the teacher for your children: someone who knows how to live a happy life.
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