Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.

I answered her spiritually. And that is where Oprah [Winfrey]comes from. She comes from a place of the truth within her. And I think that's why we clicked. And I think that's why we still continue to click.

Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to be cherished and adored by someone. I am worthy of an intimate and fulfilling relationship. I won't settle for less than I deserve. I will do whatever it takes to create that for myself.

But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.

Focus on what you have.

Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.

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