1. Save for a rainy day but don’t be stingy.

2. Pennywise, pound foolish is absolutely true.

3. Be careful with retail therapy.

4. Enjoy the fresh air outdoors.

5. Hard work gives you a good night’s sleep, so keep pushing forward.

6. Eat in moderation, for health is a blessing.

7. If you don’t enjoy your work, it will always feel like a burden. Do what you love.

8. Wit is precious; try to exercise your mind.

9. Learn two jokes now and then and share them with your company.

10. A branch that does not bend will break, so be flexible.

11. God helps those who help themselves, so be independent.

12. Be a role model for your children.

Zeenat Iqbal Hakimjee is a writer and a poet