When you ask someone for a favor, never kid yourself about the fact that you’re incurring a debt. It may not be verbally stated, but it’s there — in the accounts receivable section of the other person’s Favors Book — just as surely as if you had signed a promissory note.

You have a limited line of credit with every person with whom you come in contact, so it’s wise not to use up valuable credit on situations that aren’t truly that important. Prudence dictates that you save plenty of credit for a rainy day.

In addition, if the accounts payable section of your Favors Book becomes too great, you’re likely to find yourself making more and more decisions that others want you to make, which results in a lack of freedom.

Self-sufficiency is definitely the best way to travel through life.