Howard Dvorkin Quotes
Obviously, this is theory and easier said than done. Tracking every nickel is a big process and a lot of people don't do it. You can make the best budget, but if you don't track it, what good does it do? In my house, every month, we compare the actual to the budget. It's not fun. My wife hates me for it. But you have to track what you're spending. 
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Theory | Easier | Tracking | Nickel | Process |
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Sit down, collect all your information, all your bills and write out exactly what you owe. Then, you need to put yourself on a budget.
- Howard Dvorkin
Between car payments, getting married, buying property, having children, dealing with deaths, most people walk a very tight rope with debt. They make the huge mistake of only making minimum payments. Once something goes wrong in their lives and they need money fast ? they are at a major loss.
- Howard Dvorkin