People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

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

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

You are to set your own value, communicate that value to the world, and then not settle for less. Sound daunting? That's just because it takes you out of your comfort zone. You have got to stop being an obstacle on your own path to wealth and security and happiness. You must understand that valuing yourself is well within your control.

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.

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.