Budget is going without something you do want in case you should, some day, want something you probably won't want.
Budget is a way of managing the very value of money — how many cents a dollar is worth depends on how much sense the spender has.
Budget is nothing to be pround of — Anyone who lives within their means suffers from a lack of imagination.
A Contract is a deceptive document — The large print giveth and the small print taketh away.
A Contract is worthless if not written — a verbal contract is not worth the paper it's printed on.
A Contract is a document written by lawyers for lawyers in order to make people immediately realise that they cannot do without lawyers.
A Forecast is to predict that an event will happen, if it does, by basing calculations on events that have already happened, if they did. (One may forecast and be right, wrong, or neither. It depends.)
Insurance is a form of gambling in which we bet against our chance of escaping disaster, and win only when we lose.
13 concepts in this pillow book.