Hard work : All hard work bring a profit, but mere talk leads only to poverty.

Laziness : A sleeping lobster is carried away by the water current.

Earnings : Never depend on a single source of income. (At least make your Investments get you second earning)

Spending : If you buy things you don’t need, you’ll soon sell things you need.

Savings : Don’t save what is left after spending; Spend what is left after saving.

Borrowings : The borrower becomes the lender’s slave.

Accounting : It’s no use carrying an umbrella, if your shoes are leaking.

Auditing : Beware of little expenses; A small leak can sink a large ship.

Risk-taking : Never test the depth of the river with both feet.
(Have an alternate plan ready )

Investment : Don’t put all your eggs in one basket.