Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

What women need to understand is that you cannot save a child if you can't save yourself.

The way to build your savings is by spending less each month.

The happiest moment of my life happens once a day.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.