If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

True generosity must benefit both parties. No woman can control her destiny if she doesn't give to herself as much as she gives of herself.

So many financial dreams are thwarted by the failure to act upon good intentions.

Cleanliness is a state of purity, clarity, and precision

Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money.

People first, then money, then things.

... true financial freedom doesn't depend on how much money you have. Financial freedom is when you have power over your fears and anxieties instead of the other way around.