A study of 2,000 adults, commissioned by Skipton Building Society, revealed two thirds find themselves churning out the same old clichés that have been passed down through generations. The favourites are ‘you don’t get something for nothing’ and ‘put money aside for a rainy day’ and ‘if you can’t say something nice, don’t say anything at all’. Financial advice features often with phrases like; ‘never spend money you don’t have’, ‘look after the pennies and the pounds will look after themselves’, ‘ put money aside for a rainy day’ and ‘always have two months’ rent/mortgage saved’. ‘Always wear clean underwear’ and ‘never let your petrol tank go lower than a quarter full’ are among other tips from parents. Seven in 10 adults admitted they often catch themselves mid-sentence and think they sound like their mother or father, while a further 36 per cent frequently think they’re turning into their own parents. But perhaps that’s no bad thing, with a whopping 72 per cent of people admitting they do still live by the advice their parents gave them when growing up - and as such still try not to eat cheese before bedtime, always use a hand cream, and try to eat with their mouth closed. Stacey Stothard, Skipton Building Society, said:: “It’s great to see so many people admit to living by the advice given to them by their parents. “Passing on life lessons and philosophy should never be underestimated, for many people they directly attribute this to getting into the discipline of planning and saving for their future.” Here are the top 50 nuggets of wisdom parents around the country are passing on to their kids: TOP 50 WORDS OF WISDOM 1. Always try your best 2. If you can’t say something nice, don’t say anything at all 3. Get an education - no-one can take that away from you 4. Never spend money you don’t have 5. If you don’t ask, you don’t get 6. Eat with your mouth closed 7. Put money aside for a rainy day 8. Never take sweets from strangers 9. Do your best - nothing else matters 10. Keep your elbows off the table 11. Never swim on a full stomach 12. Treat people with respect 13. There’s no such word as can’t 14. You never get something for nothing 15. Don’t put shoes in the table 16. SMILE 17. Practice makes perfect 18. Look after your pennies and the pounds will look after themselves 19. Courtesy and compassion cost nothing 20. Treat others how you wish to be treated yourself 21. You only get out of life what you put into it 22. ‘I want’ never gets 23. Mind your p’s and q’s 24. Manners maketh the man 25. Always wear clean underwear 26. Don’t stare at people, it’s rude 27. Watching too much TV will make your eyes go square 28. Be true to yourself 29. Always hold the door open 30. Never leave the house with wet hair 31. Never drink on an empty stomach 32. Never go to bed on an argument 33. Look up things you don’t know the answer to 34. Never go under a ladder 35. Never give up 36. Receive compliments gracefully 37. Don’t wear your coat indoors 38. Mum knows best 39. The grass is never greener 40. Always eat your breakfast 41. Life’s too short to be unhappy 42. Always have 2 month’s rent/mortgage saved 43. Don’t eat cheese before bedtime 44. Give compliments easily 45. Use a hand cream 46. Don’t eat in the street 47. Never offer a stranger a lift 48. Don’t smoke in the street 49. Never let your petrol tank go lower than a quarter full 50. Men are very different creatures to women