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.

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

If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.

Money is the only thing you can use even if you don't have any. ... There's always a credit card.

Here's my gift-giving rule: Respect your current financial situation.