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.
note : do the above all the time, not just for 2009