Focus on what you have.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

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

When you are grateful - when you can see what you have - you unlock blessings to flow in your life.

Many people are in the dark when it comes to money, and I'm going to turn on the lights.