Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

One has to ask what is the goal of life? What is the goal of life? My interpretation of it for myself, a very wise teacher once taught me this, is to meet the needs of the people, places and the times around you and offering those services to God.

Women need to turn their attention from saving their spouse, their mothers, their this, their that, their kids, to putting that financial oxygen mask on their face first. When they're solid, they can pick up the whole world.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

We each focus on what we're going to buy, but that's an incorrect focus. Focus instead on why you want to spend the money on this or that. What feeling in you does it satisfy?

Money will respond to you just like people do.

Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.