Owning a home is a keystone of wealth - both financial affluence and emotional security.

If you're not staying on top of your money, you are putting your financial well-being at risk.

When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom

Put your financial life on autopilot as a form of 'forced' saving.

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.

Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.

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