If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

They got married, they got divorced, and half their money goes out the window.

Money doesn't bring courage, I learned. It's the other way around. Once I took that lesson to heart, I began to rebuild my life.

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

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

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

Bad debt is sacrificing your future day needs for your present day desires.