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Money Mottos

Which words of wisdom make good financial sense?

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Many of us have mottos that we live our lives by and this is particularly true in our financial affairs.

We’ve all heard these before: 

  • A penny saved is a penny earned
  • A fool and his money are soon parted
  • Where there’s muck there’s brass

The problem with these popular little sayings is that they aren’t always universally true and are sometimes contradictory. If you ‘look after the pennies while the pounds look after themselves’ could you be accused of being ‘penny wise and pound foolish’?

However, there’s no doubt there’s some good common sense money mottos out there. And as a leading financial services provider, we’ve decided to ask some of our customers and followers on social media for their pearls of wisdom to find the best money mottos of 2018.

Here's some of our customers 2018 money mottos...


What's a good money motto?

To help separate the old wives' tales from the wise money mottos, two of our experts have offered some of their favourite phrases and described why they make good financial sense.

Paul Glover, NFU Mutual Chief Investment Manager:

  • It’s time in the market, not timing – investing for the longer term is a better tactic than trying to play the markets.
  • Don't put all your eggs in one basket – spreading your investments within and across different asset classes will protect your fund from unexpected falls in one area.
  • Price is what you pay. Value is what you get – this Warren Buffett quote underlines the importance of understanding something's true worth and this certainly applies to how we look to invest.

Sean McCann, NFU Mutual chartered financial planner:

  • Never make predictions, especially about the future – none of us know what the future holds, but making sure you’re prepared financially can make a huge difference to your own and your family’s future.
  • An investment in knowledge pays the best interest – with ISA, pension and tax rules changing regularly, spending time with a financial adviser can help you understand and make the most of any changes.
  • £1 saved in tax is worth the same as £1 made through investment return – take advantage of the tax breaks that are available to us all.

What's your money motto?

Tell us your favourite financial phrase on Facebook or by using #moneymotto on Twitter.

And remember, whatever your financial plans are for 2018 and beyond, our financial advisers give advice to help you make the right decisions.

Find your local office and speak to your Agent who can put you in touch with your financial adviser.

The value of tax benefits depends on individual circumstances and may change in the future.

You should be aware that the value of your investment and any income from it, may go down and you may get back less than you invested.

NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers. When you contact us we'll explain the advice services we offer and the charges.