When you've been battered down and battered down and battered down, your spirit gets broken.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

... show respect for your money ... Then your money will think and care about you in return.

A wise woman knows how to summon her courage and do what is right, rather than what is easy.

When you've been battered down and battered down and battered down, your spirit gets broken.

If you have credit card debt and credit card companies continue to close down the cards, what are you going to do? What are you going to do if they raise your interest rates to 32 percent? That's five times higher than what your kid is going to pay in interest on a student loan. Get rid of your credit card debt.

Stop saying yes out of fear about what others will think about you and say NO out of love for yourself!