I think they've been baby bummers.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.

I am a big believer that orderliness begets wealth.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.