(綜合報道)(星島日報報道)花開一春，原來最明媚鮮妍之時，卻只在清明節前。

　　過了清明，由盛轉衰，漸至四月二十六日「芒種」，百花皆卸，花神退位，從此入夏。

　　這是大自然的變化，如日夜交替、春去秋來，俱是無法避免，又必然發生之事。

　　我們唯有欣然接受，正如「過了清明花不好」，上一句是「過了中秋月不明」，出自明朝才子唐寅（唐伯虎）的《一世歌》。

　　匆匆一生人，最好的花、最圓的月，並不常有，而且為時十分短暫。

　　正如我們年輕力壯、稱心如意的日子，亦不會太長久。人生許多的悲劇，皆是錯誤以為好景會長遠持續下去，執迷不悟，於是大失預算，被逆境殺個措手不及。

　　其實花怎會常好？月怎會長圓？我們亦不可能長期維持高收入、享受高水準的生活，隨着時間消逝，應早作打算。

　　傳說智慧是「積穀防飢」，多儲蓄、多貯備，固然是永遠合用的方法，可惜對很多人來說，收入剛好夠用，積蓄有限，怎能供應後來低收入，甚至是零收入的漫長日子？

　　最有效的方法，是及早改變自己的生活方式。

　　何必一定維持高水平的享受？雖然餐餐去得起福臨門，但間中亦可多去茶餐廳；旅行不必年年往歐洲，短程玩東南亞也很寫意。

　　又誰規定要住豪宅？室雅何須大，打理費時吃力，家居二千方呎以上很難照管，有賊入屋亦不知，除非你一家八口外傭貓狗共住。

　　要是你不夠積蓄，又不肯改變生活方式，還妄想老來增加收入，左右亂鑽、上下其手，正如踏入冬天，仍希冀花開燦爛，實在是不識時務，隨時會惹禍上身。

　　人生難在知進退，老來更無人提點，不幸走錯一步，當眾出醜，以後苦無翻身機會

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