is an excellent book by Benjamin Franklin. As usual I'm going to quote from a few pages:
We are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly.
A life of leisure and a life of laziness are two different things.
The eye of the master will do more work than both his hands.
Buy what you do not need and soon you will sell your necessities.
It is easier to suppress the first desire than to satisfy all that follow it.
Experience keeps an expensive school, but fools will learn in no other.
If you want to be wealthy, think of saving as well as of earning.
What maintains one vice would bring up two children.