Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.

Money will respond to you just like people do.

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

Imagine you waking up tomorrow and you can't get a bank account; you can't get a credit union account. Everything has gone away and you're now living in poverty.

If you're not staying on top of your money, you are putting your financial well-being at risk.

When you undervalue who you are, the world will undervalue what you do and vice versa.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.