Make this the year you tackle that credit card debt once and for all.

Each cent you apply toward diminishing your debt replenishes you.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

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.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.

Messages about money are passed down from generation to generation, worn and chipped like the family dishes.

If there is anyone dependent on your income - parents, children, relatives - you need life insurance.