Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have?

Just because you can afford it doesn't mean you should buy it.

The happiest moment of my life happens once a day.

Remember that in most cases, student loan debt is not dischargeable in bankruptcy. So you continue to pay it off anyway. Those who have very low interest rates (2-2.5 percent) on student loans and know everything is secure, great.

Make this the year you tackle that credit card debt once and for all.

If the boss is a jerk, get over it. First of all, don't you think there's a good chance that your boss's boss knows what's going on? If so, just keep your head down and do the work. Usually, if you put in maximum effort and produce excellent results, someone in the company is going to take notice. Either you will get promoted or your jerky boss will get the heave-ho. It happens all the time.

Stop saying yes out of fear about what others will think about you and say NO out of love for yourself!