Mother’s Day is almost here — it falls on May 13 this year. You haven’t forgotten, have you?

While you’re thinking about how best to thank Mom this year, consider some of the ways she helped marshal the family resources and taught you to save and spend money.

As a tribute to mothers everywhere, Localpizzadeliverywalledlakemi.info hit the streets to find out the top financial lessons people learned from their mothers.

Here’s what we heard people say about maternal money wisdom. Turns out, moms are a sensible bunch.

1. Spend less than you make

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That’s the advice Localpizzadeliverywalledlakemi.info founder Stacy Johnson’s mom gave him. Given that he took it and ran with it, she gets credit for helping turn him into the personal finance expert he is today.

Her words of wisdom underscore the most basic truth of money management: If you spend more than you make, you’re headed down the path to debt, stress and maybe even bankruptcy court.

As Stacy explains in “The 4 Simple Keys to My Flawless Credit Score“:

“… I’ve never paid a bill late. That’s not because I’ve always been wealthy and it’s not because I’ve never lost a job, gotten divorced or otherwise experienced financial catastrophe. The secret? Spending less than you make. Do this, and you’ll automatically create a cash cushion that will come in handy when push inevitably comes to shove.”

2. Borrow only as a last resort

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Stacy’s mom also advised him never to borrow unless absolutely necessary.

Getting a mortgage may be unavoidable in the modern world, but we doubt Ma Johnson would approve of going into debt for a big-screen TV.

3. Save for a rainy day

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Moms often suggest saving for a rainy day. One day, it’s going to pour.

Be ready for those emergencies by having a dedicated savings account, preferably a high-yield savings account. If you’re squeaking by financially, start by pinching pennies and work your way up. Eventually, you’ll want to have enough in the bank to cover at least three to six months’ worth of expenses.

4. Graduate

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Moms want their kids to do better than they did. When we asked Localpizzadeliverywalledlakemi.info readers for their moms’ money advice, “Njmom” wrote that her mother told her: “Get a good education and be independent so you don’t have to put up with the crap I have to.”

Education can be an excellent investment: The average high school graduate earned a median $712 per week in 2017, compared with $1,173 for college graduates and $1,401 for people with doctoral degrees, .