You must trust yourself more than you trust anyone else with your money.

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

The last thing family and friends want is for you to spend money on them that you don't have or that you can't really spare.

If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.

When you've been battered down and battered down and battered down, your spirit gets broken.

Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.

Focus on what you have.