“Before the CAP Money Course we never knew where we were and felt overwhelmed about how to budget. Now our finances are clear and we're confident managing them.”
Previous CAP Money Course attendee
“Just sitting down and doing our budget made me realise that we weren't getting the benefits we should have been.”
Previous CAP Money Course attendee
“Mobile phone contracts were costing us loads of money. The CAP Money Course helped us identify this and, by looking at the alternatives, we halved our costs.”
Previous CAP Money Course attendee
“The CAP Money System stopped me feeling like I needed to check my bank balance all the time.”
Previous CAP Money Course attendee
“Having the three accounts made so much sense! Having cash, knowing my bills were going out and still being able to save was brilliant - I'd never saved before.”
Previous CAP Money Course attendee
“With CAP Money I was able to save and buy my own car, which me and the girls were ecstatic about! It only took six months to save so I could pay for it in cash.”
Previous CAP Money Course attendee
“The biggest shock was when I totalled up how much we owed on debts like credit cards. CAP Money Plus set up a system that means we should be debt free within 3½ years.”
Previous CAP Money Course attendee
“Wise planning will watch over you. Understanding will keep you safe.”
Proverbs 2:11 (NLT)
“I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want.”
Philippians 4:12 (NIV)
“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.”
Matthew 6:24
“But since you excel in everything – in faith, in speech, in knowledge, in complete earnestness and in the love we have kindled in you – see that you also excel in this grace of giving.”
2 Corinthians 8:7
“The rich rules over the poor, and the borrower is the slave of the lender.”
Proverbs 22:7
“Do not be one of those who shakes hands in a pledge, one of those who is surety for debts; if you have nothing with which to pay, why should he take away your bed from under you?”
Proverbs 22:26–27
“For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it—lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him, saying 'This man began to build and was not able to finish'?”
Luke 14:28-30
“The plans of the diligent lead to profit as surely as haste leads to poverty.”
Proverbs 21:5
“A good man leaves an inheritance to his children’s children, but the wealth of the sinner is stored up for the righteous.”
Proverbs 13:22
“Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery”
Charles Dickens, David Copperfield
“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”
Ayn Rand
“It is not the man who has too little, but the man who craves more, that is poor.”
Seneca
“Not he who has much is rich, but he who gives much.”
Erich Fromm
“Time is more valuable than money. You can get more money, but you cannot get more time.”
Jim Rohn
“The person who doesn't know where his next dollar is coming from usually doesn't know where his last dollar went.”
Unknown
“It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.”
George Lorimer
“That man is richest whose pleasures are cheapest.”
Henry David Thoreau
“If you would be wealthy, think of saving as well as getting.”
Benjamin Franklin
“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.”
Edmund Burke
“He who loses money, loses much; He who loses a friend, loses much more; He who loses faith, loses all.”
Eleanor Roosevelt
“Never spend your money before you have earned it.”
Thomas Jefferson
“The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.”
T.T. Munger
“Many folks think they aren’t good at earning money, when what they don’t know is how to use it.”
Frank A. Clark
“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.”
Johann Wolfgang von Goethe
“A wise person should have money in their head, but not in their heart.”
Jonathan Swift
“Money never made a man happy yet, nor will it. There is nothing in its nature to produce happiness. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.”
Benjamin Franklin
“A simple fact that is hard to learn is that the time to save money is when you have some.”
Joe Moore
“Know what you own, and know why you own it.”
Peter Lynch
“Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are.”
James W. Frick
“Too many people spend money they earned to buy things they don't want to impress people that they don't like.”
Will Rogers
“Wealth consists not in having great possessions, but in having few wants.”
Epictetus
“An investment in knowledge pays the best interest.”
Benjamin Franklin
“Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.”
Dave Ramsey
“Money is a terrible master but an excellent servant.”
P.T. Barnum
“You must gain control over your money or the lack of it will forever control you.”
Dave Ramsey
“Try to save something while your salary is small; it’s impossible to save after you begin to earn more.”
Jack Benny
“It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”
Robert Kiyosaki
“We make a living by what we get, but we make a life by what we give.”
Winston Churchill
“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do.”
Mark Twain
“It takes as much energy to wish as it does to plan.”
Eleanor Roosevelt
“A penny saved is a penny earned.”
Benjamin Franklin
“Within certain limits, it is actually true that the less money you have, the less you worry.”
George Orwell
“It’s clearly a budget. It’s got lots of numbers in it.”
George W. Bush
“Money often costs too much.”
Ralph Waldo Emerson
“More people should learn to tell their dollars where to go, instead of asking them where they went.”
Robert Babson
“Live beneath your means - don't make the mistake of looking good and going nowhere.”
Robert Kiyosaki
“If your outgo exceeds your income, then your upkeep will be your downfall.”
Bill Earle
