."He who will not economize will have to agonize." -- Confucius

The agonizing feeling that is associated with owing money to credit cards is situation that sometimes could have been avoided if people would just save and economize. I know a lady that teaches children how to manage money. I know a man who economized a lot. Instead of going on vacation every year, he only went on vacation every other year, or every two years. He ended up saving almost 20,000 dollars and then a Mafia hitman killed a man in a barber shop and this presented an opportunity for him to purchase the building for a low cost of 20,000. It was a four-story brick building, but it was an incredible bargain back in those days. Bye the way, this is a true story. The poor barber was killed in cold-blood. From what I understand, he had been cheating on his wife and the family's wife needed to protect the honor code. I do not know how true this is. Well, the purchaser of this new investment enjoyed every minute of his new purchase. He had saved. He did not agonize. He, later, sold the building. I will say that this sale did make him (seller)--- very happy with the amount of his profit. He did not agonize, nor did he need to struggle to make ends meet in life.