11. Grass doesn't grow on a racetrack.
12. Strike while the iron is hot.
13. A penny saved is a penny earned.
14. Beggars shouldn't be choosers.
15. Like father like son.
16. You can lead a horse to water but you can't make them drink.
17. All that glitters is not gold.
18. A stitch in time saves nine.
19. A fool and his money are soon parted.
20. A watched pot never boils.

11. A busy man's desk has no dust on it.
12. Seize the opportunity when it's available.
13. Not spending is the same as earning money.
14. Don't complain about free gifts.
15. Men emulate their fathers.
16. You can only help those who want help.
17. Don't be allured by flashy temptations.
18. Repair something before the damage is too great.
19. A wise man has money because he's careful.
20. Move on to solve the next problem.