You have the clean canvas of a whole week before you. Paint well.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

When people get scared, they quit giving.

Christmas is about giving. Be outrageously generous. Have fun, enjoy the process....then keep it up all year.

You can get anywhere if you simply go one step at a time.

Study the habits of the people you want to be like and then imitate them. If they are succeeding, they must be doing something right.

The creature comforts we tend to rationalize as "business expenses I can write off."