Although money alone won't make us happy, the lack of money surely will make us miserable.

If there is anyone dependent on your income - parents, children, relatives - you need life insurance.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk.

Power comes from who you are, not what you have, and the transformation starts with how you allow others to treat you.

Find $50 a month for savings. No excuses!

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