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

Liking who you are and liking what you do can make you an incredibly successful person.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.

I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.

If the boss is a jerk, get over it. First of all, don't you think there's a good chance that your boss's boss knows what's going on? If so, just keep your head down and do the work. Usually, if you put in maximum effort and produce excellent results, someone in the company is going to take notice. Either you will get promoted or your jerky boss will get the heave-ho. It happens all the time.