Here's my gift-giving rule: Respect your current financial situation.

Stop buying things you don't need, to impress people you don't even like.

I believe in God big time and I'm proud to say I believe in God.

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.

A wise woman knows how to summon her courage and do what is right, rather than what is easy.

With success comes unhelpful criticism - ignore it.