Enabling is the enemy of motivation.
Debt is normal. Be weird.
A lower interest rate doesn't make a debt go away.
I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.
There's a great place to go when you're broke--to work!
Where you are today is the sum of every choice you've ever made. If you don't like where you are, start making different choices!