"a penny saved is twopence dear [a penny saved is a penny earned].' -benjamin franklin, poor richard's almanack how might benjamin franklin's quote apply to a personal budget today? a) pay all your bills on time. b) spend your money on needed items. c) consider saving money instead of spending it. d) work hard to earn money to provide for your family.

The answer is: C.Consider saving money instead of spending it

From that sentence, Benjamin Franklin basically equalize reducing your spending and allocating it to saving as an increase in earning.

Let's take a look at this scenario:

1. You work to earn 100$ on first day, spend $50 on the second day, and work to earn 50$ on the third day. At the end of the the third day, you will have 100$ left.

2. You work to earn 100$ on first day, not spending anything on second day. And choose not to work on third day. At the and of the third day, you will have 100$ left.

From those scenarios, we can see that allocating your spending to spending eventually ending up with similar amount with spending and acquiring additional earning.

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