Make this the year you tackle that credit card debt once and for all.
The less you have to think about how to spend every dollar, the more likely you are to spend wisely.
So many financial dreams are thwarted by the failure to act upon good intentions.
Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.
Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love.
I get mad when people give me presents. I don’t want them, I don’t need them.
If you’re saving for the long run, it’s actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time – decades, not months – the markets rise more than they fall.
A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.
If you’re going down the street and you’re going the wrong way, remember – God permits U-turns.
Prenups are so unromantic – a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness – you’re fooling yourself if you think you can achieve complete intimacy without it.
Cut back your spending now.
Pay off your mortgage before retirement, and that’s one less bill you’ll have to worry about when you’re on a fixed income.
The key to making money is to stay invested.
Time is key to building your financial security.
I have always advocated doing everything possible to pay off credit card balances; it’s good financial management and the ticket to a strong FICO credit score.
The last thing family and friends want is for you to spend money on them that you don’t have or that you can’t really spare.
Owning a home is a keystone of wealth – both financial affluence and emotional security.
I think they’ve been baby bummers.
Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.
Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.
Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters.
Recast your current problems into proactive goals.
I do not think I am successful just because I have money. I’m successful because I love who I am and I have no regrets, and I’m successful because I have a great heart and I have compassion and I care and I would be happy with or without money.
When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do.
If you’re financially responsible, your children have a much better chance to grow up financially responsible.
Ignore the annual percentage rate when shopping for a mortgage.
If you wait until your children are high school seniors to spring it on them that there’s not a whole lot of money for school, they won’t have too many options.
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