If you expect your money to take care of you, you must take care of your money.

When it comes to money, if you have it, you may feel that you don't deserve it—guilt. If you don't have it, you may feel that you should have it—guilt.

The world does not need another credit card.

Remember to remember your power - everything you've learned with these steps to financial freedom - and put it all into practice everyday, because in the grand scheme of life, you'll never really know how things are meant to turn out until they turn out.

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

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.

Make this the year you tackle that credit card debt once and for all.