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" Grace is available for each of us every day - our spiritual daily bread - but we've got to remember to ask for it with a grateful heart and not worry about whether there will be enough for tomorrow. "

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" Always protect yourself. Every woman, no matter what her age, romantic or marital status, should have a bank account in her own name. "

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" When we talk about Something More, it isn't wanting a fancier car, a bigger house, or a designer dress. Something More is what we need to fill our spiritual hunger. "

" The amount of money currently in your bank account is a fact. The amount you spend today is a choice. And the way you reconcile both is through clarity. "

" Whatever we are waiting for - peace of mind, contentment, grace, the inner awareness of simple abundance - it will surely come to us, but only when we are ready to receive it with an open and grateful heart. "

" New Year's Day. A fresh start. A new chapter in life waiting to be written. New questions to be asked, embraced, and loved. Answers to be discovered and then lived in this transformative year of delight and self-discovery. Today carve out a quiet interlude for yourself in which to dream, pen in hand. Only dreams give birth to change. "

" There is really only one way to deal with Misery. Accept her presence. Like most experiences in life, we must acknowledge the passage gracefully and let her move through our lives because she brings with her a hidden gift. "

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" Tell a woman it's going to rain, and she'll get out the umbrellas. Well, in the matter of money, there's always the chance of rain ahead. "

" Pain is part of the past. There isn't one of us who doesn't still carry childhood wounds. Some are more horrific than others, but no matter how painful your young memories are, there were also glorious moments that kept you alive, or you would not be here today. "

" I learned a priceless lesson and one that everyone can use today - it's never the amount of money we have or haven't; it's always the amount of fear we have to wrestle with to make it through the day. "

" Each day offers us the gift of being a special occasion if we can simply learn that as well as giving, it is blessed to receive with grace and a grateful heart. "

Sarah Ban Breathnach

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" For those of us learning the way to financial serenity and solvency, the envelope system teaches prudence, patience, and perseverance. You can only spend what you have. "

" For the last couple of years, as the economic ground beneath all I've accomplished and cherished has shifted so profoundly in a life-shattering reversal of fortune, I've trained myself to stay alert when the roar and the rumbling of what could be catastrophic change begins. "

" An authentic life is the most personal form of worship. Everyday life has become my prayer. "

" Let's choose today to quench our thirst for the 'good life' we thinks others lead by acknowledging the good that already exists in our lives. We can then offer the universe the gift of our grateful hearts. "

" Take a leap of faith and begin this wondrous new year by believing. Believe in yourself. And believe that there is a loving Source - a Sower of Dreams - just waiting to be asked to help you make your dreams come true. "

" While the past asks only to be remembered, a woman's memory alters on her behalf and in her best interests. Memory - the vain old biddy - cannot resist penciling a few slight, cosmetic revisions in the margins of the past. "

" Faith is the very first thing you should pack in a hope chest. "

" Every woman needs a private pin money stash. That is her own personal stash of cash to do with whatever she wants. It gives a woman freedom even if she doesn't spend it - especially if she doesn't spend it. "

" Misery is, by her own nature, a passing phase of sorrow, one that does not linger uninvited. Her sojourns seem to be part of life's required curriculum, perhaps because Misery endows us with compassion and empathy. "

" The world needs dreamers and the world needs doers. But above all, the world needs dreamers who do. "

" Be grateful for the home you have, knowing that at this moment, all you have is all you need. "

" The authentic self is the soul made visible. "

" Always remember that striving and struggle precede success, even in the dictionary. "