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" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "
Suze Orman
You
Cards
Credit
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" The way to build your savings is by spending less each month. "
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" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "
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" You must trust yourself more than you trust others. Pay attention to your inner voice - it will tell you if how and in what you are investing is right for you. "
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" I love the Roth IRA. Tax-free income in retirement is a truly great deal. "
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" Private student loans should be avoided at all costs. "
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" I want to be clear here: It does not matter what you say in your will or trust; the beneficiary document attached to your IRA accounts and your life insurance policy overrides what you say elsewhere. If you want to change the beneficiary, you must change the beneficiary document. "
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" No one's ever achieved financial fitness with a January resolution that's abandoned by February. "
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" Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum. "
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" If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape. "
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" The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track. "
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Track
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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. "
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" Credit unions are often a better deal than banks and tend to pay higher yields on deposits. "
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" Courage is not always about action. It takes courage to do nothing rather than do something that you do not believe in or understand. "
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" Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up. "
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" Remember: If the IRS suspects you haven't reported income, it can challenge returns from the past six years. So if you are self-employed or have multiple income sources, hold on to six years of files to be absolutely safe. "
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" Never invest emergency savings in the stock market. "
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" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "
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" In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.' "
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" Recast your current problems into proactive goals. "
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Problems
" Yes, your kids should go to school. No, you shouldn't bankroll their degree whatever the cost. You've spent your life creating a sound financial plan; don't upend it by suspending your retirement savings or taking out a home equity line of credit to pay for a pricey college. "
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School
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" Grace is above praise and blame. I never read the bad stuff people write, but I never read the good stuff, either. Ever. I know who I am, and I know that God looks down on me and smiles. I know that - without a shadow of a doubt. "
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" We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts. "
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" 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. "
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" 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. "
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" To enjoy a long, comfortable retirement, save more today. "
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" 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. "
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" Put your financial life on autopilot as a form of 'forced' saving. "
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" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "
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" 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. "
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" 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. "
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Student