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" 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. "

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" 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. "

Suze Orman

Mortgage

High

Think

" It's not what you make, but how you feel about what you make and what you spend. "

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

" It's easy to underestimate the real cost of home ownership. "

" Anything that gets people to think harder about their financial security and take some responsibility is a good thing. "

" A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out. "

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

" What I've learned is that the audience is constantly rotating. Just because it feels like I've said it, there are millions and millions of people that have still never heard of it. "

" Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus. "

" When you give, give from the place of the heart because it is the right thing to do, not the easy thing to do. "

" 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. "

" If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled. "

" Success is not how many zeroes your bank account has. It's about making the most of the life you have. "

" Sometimes your mind lets you do things with your money that make no sense. "

" A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more. "

Suze Orman

Worst

Credit Card

" Don't let what others think or say get in your way; their actions reflect on them, not you. "

" 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. "

" Many people are in the dark when it comes to money, and I'm going to turn on the lights. "

" The less you have to think about how to spend every dollar, the more likely you are to spend wisely. "

Suze Orman

Less

Spend

" There is no law saying you have to die before your assets can be passed to loved ones. In fact, gifting earlier can be a lovely way to witness how your money helps your family thrive. "

" 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. "

" A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. "

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

" If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

" People first, then money, then things. "

" Put your financial life on autopilot as a form of 'forced' saving. "

" Raise your auto and home deductibles to $1,000 or more, and your premium cost falls at least 10 percent. "

Suze Orman

Cost

Home

" It's impossible to map out a route to your destination if you don't know where you're starting from. "

" When you are grateful - when you can see what you have - you unlock blessings to flow in your life. "

" Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.' "