1. A man is rich in proportion to the number of things he can afford to let alone.

2. None are so old as those who have outlived enthusiasm.

3. Do not worry if you have built your castles in the air. They are where they should be. Now put the foundations under them.

Inspirational Quotes by Ralph Waldo Emerson

4. What lies behind us and what lies before us are tiny matters compared to what lies within us.

5. We judge of man’s wisdom by his hope.

6. We are all inventors, each sailing out on a voyage of discovery, guided each by a private chart, of which there is no duplicate. The world is all gates, all opportunities.

7. What you do speaks so loudly that I cannot hear what you say”

8. People seem not to see that their opinion of the world is also a confession of character.

9. The sun shines and warms and lights us and we have no curiosity to know why this is so; but we ask the reason of all evil, of pain, and hunger, and mosquitoes and silly people.

10. We are all inventors, each sailing out on a voyage of discovery, guided each by a private chart, of which there is no duplicate. The world is all gates, all opportunities.

Friedrich Nietzsche Inspirational Quotes

11. Enduring habits I hate…. Yes, at the very bottom of my soul I feel grateful to all my misery and bouts of sickness and everything about me that is imperfect, because this sort of thing leaves me with a hundred backdoors through which I can escape from enduring habits.
- Friedrich Nietzsche, The Gay Science, 1882

12. A thinker sees his own actions as experiments and questions–as attempts to find out something. Success and failure are for him answers above all.

13. He who has a why to live can bear almost any how.

Albert Einstein Inspirational Quotes

14. I am enough of an artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.

15. Great spirits have always encountered violent opposition from mediocre minds.

16. Setting an example is not the main means of influencing others; it is the only means.

17. I think and think for months and years. Ninety-nine times, the conclusion is false. The hundredth time I am right.

18. Try not to become a man of success but a man of value.

19. Out of clutter, find simplicity. From discord, find harmony. In the middle of difficulty lies opportunity.

20. Few are those who see with their own eyes and feel with their own hearts..

Inspirational Quotes by Mark Twain

21. The best way to cheer yourself up is to try to cheer somebody else up.

22. Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.

23. Whenever you find yourself on the side of the majority, it’s time to pause and reflect.

24. Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great.

25. Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.

Robert Frost Inspirational Quotes

26. The best way out is always through.

27. By working faithfully eight hours a day you may eventually get to be boss and work twelve hours a day

28. In three words I can sum up everything I’ve learned about life: It goes on.

29. The reason why worry kills more people than work is that more people worry than work.

30. The world is full of willing people, some willing to work, the rest willing to let them.

Inspirational Quotes by Mahatma Gandhi

31. You must be the change you want to see in the world.

32. Whatever you do will be insignificant, but it is very important that you do it.

33. Strength does not come from physical capacity. It comes from an indomitable will.

34. The weak can never forgive. Forgiveness is the attribute of the strong.”

35. “An eye for eye only ends up making the whole world blind.”

36. Man is the product of his thoughts. What he thinks, he becomes.

37. Satisfaction does not come with achievement, but with effort. Full effort is full victory.

38. “The difference between what we do and what we are capable of doing would suffice to solve most of the world’s problems”

39. Happiness is when what you think, what you say, and what you do are in harmony.

Rabindranath Tagore Inspirational Quotes

40. By plucking her petals, you do not gather the beauty of the flower.

41. I slept and dreamt that life was joy. I awoke and saw that life was service. I acted and behold, service was joy.

42. A mind all logic is like a knife all blade. It makes the hand bleed that uses it.

43. If you shut your door to all errors truth will be shut out.

Inspirational Quotes by Swami Vivekananda

44. Take up one idea. Make that one idea your life – think of it, dream of it, live on idea. Let the brain, muscles, nerves, every part of your body, be full of that idea, and just leave every other idea alone. This is the way to success.

45. If you are a strong man, very good! But do not curse others who are not strong enough for you. …Everyone says, “Woe unto you people!!” Who says, “Woe unto me that I cannot help you?” The people are doing all right to the best of their ability and means and knowledge. Woe unto me that I cannot lift them to where I am!

46. Even the greatest fool can accomplish a task if it were after his or her heart. But the intelligent ones are those who can convert every work into one that suits their taste.

47. The only test of goods things is that they make us strong.

Winston Churchill Inspirational Quotes

48. Success is the ability to go from failure to failure without losing your enthusiasm.

It is better to be making the news than taking it; to be an actor rather than a critic.

49. I am an optimist. It does not seem too much use being anything else.

50. If you’re going through hell, keep going.

Inspirational Quotes by Aristotle

51. Hope is a waking dream.

52. We are what we repeatedly do. Excellence, therefore, is not an act but a habit.

Voltaire Quotes

53. Every man is guilty of all the good he didn’t do.

54. Appreciation is a wonderful thing: It makes what is excellent in others belong to us as well.

55. Judge a man by his questions rather than by his answers.

Michael Jordan Inspirational Quotes

56. “I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.”

57. If you want to test your memory, try to recall what you were worrying about one year ago today.
E. Joseph Cossman

58. Whenever you find whole world against you just turn around and lead the world.
Anonymous

59. Do not wait to strike till the iron is hot; but make it hot by striking.
William B. Sprague

Inspirational Quotes by Henry Ford

60. Whether you think you can or think you can’t, you’re right.
Henry Ford

61. I know for sure that what we dwell on is who we become.
Oprah Winfrey

62. What you get by achieving your goals is not as important as what you become by achieving your goals.
Goethe

63. You can get everything in life you want if you will just help enough other people get what they want.
Zig Ziglar

64. Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything.
Napoleon Hill

Truman Capote Inspirational Quotes

65. Failure is the condiment that gives success its flavor.
Truman Capote

66. Vision without action is daydream. Action without vision is nightmare.
Japanese Proverb

67. In any situation, the best thing you can do is the right thing; the next best thing you can do is the wrong thing; the worst thing you can do is nothing.
Theodore Roosevelt

68. If you keep saying things are going to be bad, you have a chance of being a prophet.
Isaac B. Singer

69. Success consists of doing the common things of life uncommonly well.
Unknown

70. Keep on going and the chances are you will stumble on something, perhaps when you are least expecting it. I have never heard of anyone stumbling on something sitting down.
Charles F. Kettering, Engineer and Inventor

71. Losers visualize the penalties of failure. Winners visualize the rewards of success.
Unknown

72. Some succeed because they are destined. Some succeed because they are determined.
Unknown

73. Experience is what you get when you don’t get what you want.
Dan Stanford

74. A happy person is not a person in a certain set of circumstances, but rather a person with a certain set of attitudes.
Hugh Downs

75. If you’re going to be able to look back on something and laugh about it, you might as well laugh about it now.
Marie Osmond

76. Remember that happiness is a way of travel, not a destination.
Roy Goodman

77. In between goals is a thing called life, that has to be lived and enjoyed.
Sid Caesar

78. The more I want to get something done, the less I call it work.
Richard Bach

79. If the going is real easy, beware, you may be headed down hill.
Unknown

80. To accomplish great things, we must not only act, but also dream; not only plan, but also believe.
Anatole France

Inspirational Quotes by Eleanor Roosevelt

81. Great minds discuss ideas
Average minds discuss events
Small minds discuss people
Eleanor Roosevelt

82. “You gain strength, courage and confidence by every experience in which you stop to look fear in the face.”
Eleanor Roosevelt

83. Everyone thinks of changing the world, but no one thinks of changing himself.
Leo Tolstoy

84. The only thing worse than a man you can’t control is a man you can.
Margo Kaufman

85. The surest way not to fail is to determine to succeed.
Richard B. Sheridan

86. I can’t understand why people are frightened by new ideas. I’m frightened by old ones.
John Cage

87. Sooner or later, those who win are those who think they can.
Richard Bach

88. Do not let what you cannot do interfere with what you can do.
John Wooden

89. Where the willingness is great, the difficulties cannot be great.
Machiavelli.

90. “To avoid criticism do nothing, say nothing, be nothing.”
Elbert Hubbard

91. A failure is a man who has blundered, but is not able to cash in on the experience.
Elbert Hubbard

92. “When I hear somebody sigh, ‘Life is hard,’ I am always tempted to ask, ‘Compared to what?’”
Sydney Harris

93. Do first things first, and second things not at all.
Peter Drucker.

94. The only people who find what they are looking for in life are the fault finders.
Foster’s Law

95. We see things not as they are, but as we are.
H. M. Tomlinson

96. Along with success comes a reputation for wisdom.
Euripides

97. There is only one success–to be able to spend your life in your own way.
Christopher Morleys.

98. The man who removes a mountain begins by carrying away small stones.
Chinese Proverb

99. If youth knew; if age could.
Sigmund Freud

100. Watching television is like taking black spray paint to your third eye.
Bill Hicks

Inspiration takes many forms.  Maybe inspiration your favorite movie quote.  Maybe its a famous person with a disability.  Maybe you share a celebrity birthday with one of your favorite movie stars.  Whatever gets you out of bed in the morning can be considered inspiration.  For the rest of us, its strong coffee and a kick in th pants!

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1. Don’t Fall Into the “All At Once” Trap.The first thing I realized was that it’s a natural tendency to think that the best way to deal with it is all at once, especially so since it was an Immediate Gratification mode of thinking that got me into the mess in the first place. That same mentality has a tendency to leave you feeling that you’re not making progress, which leads to an overall lack of motivation.

2. Nickel and Dime ItMake payments as often as you can. If you have 10 extra dollars, make a payment. It WILL add up, and you will see a difference. DON’T save it all up for the monthly payment. Go online and make the payment NOW!

3. Find More MoneyTo make any headway at all, I had to start coming up with more money I could actually use to make payments higher than the monthly minimum… it’s too easy to think that monthly minimum means “the minimum amount you need to make some headway” when it really means “the minimum amount that is best designed to increase your debt even further.”Like most people, I was used to carrying cash around, “just in case I needed it”. The problem is, when you think about it, is that we invariably wind up spending a little of that cash here and there on things we don’t really need. In other words, I came to understand that if I didn’t have it, I wouldn’t spend it.

4. Use Direct Deposit: Screw the Banks!The next thing I did was opt into a direct deposit for my paycheck. The reasons for doing this go well beyond the obvious, such as the tendency to write a number into that little box on the deposit slip that says, CASH BACK. It also put me in a position of being less likely to overdraw my account and wind up paying overdraft fees (which is the last thing you need when your already trying to save money). Without going into a lot of detail, your friendly neighborhood bank has practices in place that are DESIGNED to make you more likely to overdraw your account, but that’s another story.

5. Put that Money Into Reducing Your DebtI suddenly discovered that I COULD make a higher payment at the end of the month, sometimes significant, and my balance on my highest interest rate cards began to drop. The prospect that I was actually making a little headway gave me a boost of badly needed encouragement, and I started looking for more ways to save money.

6. Ask Yourself, “Do I Really Need This?” But don’t foregt to REWARD YourselfFast food is convenient, but is it really necessary? Nope. But I did allow myself to indulge in it occasionally. Just because I was in a financial mess didn’t mean I couldn’t reward myself. The same went for groceries. I started paying more attention to the little labels that said, “cost per ounce” instead of what had the lower price, and quickly came to understand the psychological games that supermarkets play to make the most profit off of their shoppers. The lowest price almost NEVER means the best value. Think of it as buying gasoline. That’s the ONLY price we see: the cost per gallon, not packages of various gasoline brands in colorful, deceptive containers designed to look like they hold more, with big signs saying, “NORMALLY 3.99, NOW 2 for 7.49!”

7. Reduce Your Utility CostsNext to rent or a house payment, what’s the biggest expense most of us face? Energy bills. You can save a significant amount of money over time very easily by not being lazy. Close doors to rooms you don’t need heated or cooled most of the time and shut the vents. Turn the cooling up 2 degrees in summer and down 2 degrees in winter. Turn out the lights in a room you’re not using. Buy a compact fluorescent bulb or two when they’re on sale and slowly replace all the lights in your living space. Get out of convenience mode and get into savings mode. Start thinking long term. You’ll be amazed just like I was.

8. Negotiate Lower Rates and Transfer Balances… On YOUR TermsI started making more headway, including getting some of the lower balance cards reduced by half. Now it was time to get on the phone and make some calls to the credit card companies to negotiate lower rates. Sure, I could have tried to play the Zero Balance Transfer Game that most new card offers come with, but do you really think for one second that those offers aren’t designed to do the exact opposite of what you’re trying to do? Don’t get caught up in that trap.The best way to do this is by getting your lowest rate card spending limit increased, which is something nearly every credit card company is MORE than willing to do. It also never hurts to ask at the same time if they can shave a little off the interest rate, and give them the impression that you’re sort of tied into the higher credit limit based on this. You might get nothing in the way of rate reduction, or you might be surprised. It doesn’t hurt to try.Now it was time to play the credit transfer game I’d set up for myself and do it by my own rules. I transferred as much as I could from the higher rate cards to the increased limit lower rate cards, and then focused on paying off any remaining balance on those high-rate cards. As soon as I got one to zero balance, I got rid of it. Cutting up a card from a company that’s been legally screwing you over is amazingly rewarding.

9. The Coup de Grace: Put Your Retirement Account to Work!You know that 401K plan at your company that you’ve been paying into? You can take out a loan, usually 25% of the total amount, and pay down or pay off your credit card debt. This may sound like a bad thing or a risky thing, until you consider all the ramifications. The rate on my 401K loan was 8% annually, not compounded daily on a daily balance average (credit card interest rates are really effed when you think about them, aren’t they?). The reason most people see this as a risky venture is that you’re messing with your retirement account, your future, and cutting down your potential growth by having less money to compound over time.Amazingly, this isn’t true at all. By paying off your credit card debt, your return on investment is actually the 8% rate you’re paying PLUS the credit card interest rate you’re NO LONGER PAYING. So if you’re credit card rate is, for example, 19%, you’re return on investment in the long run is 8% + 19%, or 27%. Who wouldn’t jump at the chance to invest 25% of their retirement account into a guaranteed return of 27% over a six-year period (the maximum length of repayment on a 401K loan)?Not only was I enjoying that aspect, but the monthly loan payment was several hundred dollars less than the total of the various credit card payments I HAD to make every month, which meant more money in my pocket, so to speak.Additionally, the loan payment comes out of your paycheck pre-tax. You’re not paying your normal 40% tax on that amount, so the real COST of the loan per month is even lower.

10. Cut Up Your CardsDoes this really need any explanation? It’s too easy to fall back into the same trap. Don’t do it. It’s not worth it.And that’s how I got out from under my huge credit card debt, which is something I’ll never have to do again. I keep one card, and use it only in emergencies, and pay off the balance in 1-2 months. I refuse to play a losing game. If I want to do that, I’ll just go to Vegas. At least there’s a small chance I might come out ahead.

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I grew up in the 1960′s , when parenting and self-help books didn’t have their own section in the bookstore, and raising children was pretty much a seat-of-your-pants type of thing. What your parents learned from their own parents, whether good or bad, was how you were raised. That’s not an indictment. That’s just the way it was. It’s not that my parents were mean-spirited or didn’t love or care for us, it was more that they didn’t know how to express those things, or were too caught up in their own issues to take notice of the four of us and what we needed as children. We did the things all families did: posed for family photos, visited relatives, took vacations, celebrated birthdays and holidays. But in the midst of those family activities there existed an inner layer of turmoil and discomfort.

One year, when I was about seven, we went on a camping trip to a family reunion in South Dakota. Relatives from all around the nation were coming, and it was a chance for us to see many of our cousins, uncles, aunts, or others more distantly related. The last time our family had been to a big reunion, I was much younger, so for all practical purposes, this was the first time in my own memory that I’d meet many of my relatives. And it was one such relative, who, through a very small act, taught me the value of the ‘small stuff’. His name was Morrell Chambers, but everyone called him Uncle Mix.

How he got the nickname Mix, I’m not really certain, but it fit him well, in the sense that he was full of mirth and amusement. He was a solid man, a little round in the waist, with a pronounced nose and square jaw, and a slim mouth that always seemed to be on the verge of a smile. He’d inherited his bald top from his father, although he wasn’t much beyond 40 at the time. But his most distinguishing feature was his blue eyes, eyes that held a constant twinkle, as if they held a secret known only to him, a secret that gave him his ever-present sense of joviality and peace.

It was only natural that a seven-year old boy like me would be drawn to someone like Uncle Mix, and I spent quite a bit of my time lingering in his presence. It made me feel good, and he put up with my active mind, full of questions and wondering, as if it were second nature to him.

One day he decided to do some fishing, and of course, I tagged along behind him, walking along the edge of the lake and up to the boat dock. He carried a nice looking rod and reel, and a tackle box that, to me, was so big that it could probably hold the contents of an entire bait shop. Up to that time, my experience with fishing had pretty much been a bamboo pole with a string, hook, and bobber, so I was amazed when he opened the box, and the nested trays bloomed out, revealing the most colorful assortment of fishing lures I’d ever seen. I was fascinated by all the bright, shiny, mysterious objects, and squatted down for a better look. I didn’t dare touch anything, although I was greatly tempted. With a broad grin, Uncle Mix pointed out this one and that one, explaining what each was for, and how it was used. I muttered a few, “Oh!”s, as if I really understood what he was talking about, and after a few more minutes of explanations, he finished, and moved back a step or two to prepare his pole as I continued to take in all the colors and shapes of everything he’d pointed out. Finally, he lofted his rod and reel, satisfied that it was ready, and stepped forward to where I still crouched over that tackle box. Seeing the tops of his black shoes broke my spell of wonder and awe, and I looked up at him. He smiled down at me, eyes glittering, and then he said something I’ll never forget. “Why don’t you pick one of those that you really like, and you can keep it,” he said simply, so matter-of-fact, as if it was a natural thing to give something I considered precious and expensive to me, a young boy he hardly knew. But I was so completely, pleasantly, extraordinarily taken aback, that it literally took me about a minute to register his offer, and when I realized he really did mean it, I was so overwhelmed that I was speechless with excitement. “Go ahead!”, he urged with a chuckle.

I think I could have spent hours deciding, but I was at least mindful that he was ready to leave, so I fairly quickly settled on a red spoon lure that had a curvy, white stripe from end to end on the front, a chrome-bright shiny underside, treble hook on the back end, and a brass eye hook on the top. I lifted it gingerly out of the box, and held it up in front of me.

“Are you sure that’s the one you want?” he asked, still smiling. I nodded absentmindedly, transfixed by red and white, sunlight on chrome, as it swayed and turned in the morning breeze. Uncle Mix stooped down, set his pole to the side, and closed the tackle box. He paused to stare at the lure for a moment, head cocked slightly aside, as if maybe he too could see and feel what I did. Then he scooped up his pole and box, and with a grinning “See you later!” he stepped onto the boat.

I stood and watched him pull away, the boat’s engine gurgling and churning the water into a wake as he made his way out and away. I hadn’t even thought to thank him, but he waved back to me, as if he knew what I was thinking, as if that was his way of telling me that it was OK, that no thanks were needed.

I don’t remember much of anything else specific to that reunion, other than that I somehow managed to get a pole with a reel, no doubt from a cousin or some other relative, and spent hour after hour casting that lure, my lure, my gift, out into the water along the shore, not so much interested in catching fish, but more to watch it spin beneath the water, strobing red and silver, feeling the vibration in my hands as I cranked the reel. I was in seven-year-old heaven, and I was probably as happy as I ever have been.

I wish I had the opportunity to tell him what he did for me that day, but he died of a heart attack at a relatively young age while walking up the stairs of the school where he loved to teach. The news of his passing caused me to remember that day on the lake, and the memory of that precious moment in time began to take on new significance. Uncle Mix was just a giving type of person, and he probably never gave it another thought, but that small act gave me hope, and taught me that kindness and goodness have a place in the world. That was the real gift he gave me, a gift that changed my outlook on life, and shaped my character in a way that few other life events ever could.

And so, I thank Uncle Mix every time I hold a door for a stranger, help someone pick up spilled groceries, spend an extra moment listening to someone that needs to be heard, or one of a thousand other things that anyone can do to show kindness or consideration to others. And I share with my children the story of a small boy and a great man, and that moment by the lake on a warm summer morning, that they might picture in their minds the flashing of the lure, and in it, catch a glimpse of a man they never met, yet can still get to know, through me.

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