The quote that highlight best the importance of having a personal budget is C) "Beware of little expenses. A small leak will sink a great ship." Benjamin Franklin. B. Franklin believed in frugality and moderation were desirable virtues and as father of the nation tried to share his principles with the nascent nation; in simple words (and as specialist refer) a common error of the people regarding finances is to overlook small expenses, accumulating several small debts that eventually grow leading to bankruptcy. The quotes of Adams and Henry relate more to justice and freedom matters than financial issues, and though, Paine’s’ quote also refers to economical management, means that free or very cheap items are not appreciated for their essence or quality but does not imply a more important thing to consider regarding personal budget: do not waste money unnecessarily, even when “the thing" is cheap.