When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

Opt for a fixed-rate rather than an adjustable-rate mortgage.

Money is the only thing you can use even if you don't have any. ... There's always a credit card.

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

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.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.