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.

It's only when we give to ourselves as passionately as we give of ourselves that we create the life we want and deserve.

I've learned an encyclopedia version of life from Oprah Winfrey.

Live below your means but within your needs.

When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom

If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.

If you have a 50 percent match and you get in trouble financially, you can either withdraw money as a loan, or withdraw the 50 percent match. If you take it out, you have to pay taxes on it, but you still come out ahead.