ways and means.

‎"It's very easy to settle back and say you can't afford whatever it is that's on your mind, thereby giving yourself an excuse for being thoroughly miserable. But however much you may enjoy this state, it's pretty tiresome to everybody else and never gets you anywhere. You'll come out much better in the end if you study ways and means, and throw in a little imagination."

(Bubbly on your Budget, 1937)