The way to build your savings is by spending less each month.

Try handling problems in the office as dispassionately as you can and I guarantee you will have a better time of it; not least because when you bring emotion into the conversation, you furnish your colleagues with an easy "out" for dismissing you. If you are able to strip out the emotion, however, people have to deal with you based on the facts.

The world needs another vehicle to get people to pay in cash.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

If you have debt I'm willing to bet that general clutter is a problem for you too.

When it comes to tackling your financial goals, whatever they might be, there's no time like the present.

There's nothing wrong with saying, "I want to have more," "I want to be more," "I did this for money."