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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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" Cut back your spending now. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" 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. "

" I am a big believer that orderliness begets wealth. "

" Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed. "

" When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life. "

" Get rid of debt now. "

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

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

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

" Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices. "

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

" It may take you months or even a few years to build up an adequate emergency savings fund. That's okay. "

" People first, then money, then things. "

" 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. "

" There is nothing more beautiful than a confident woman. "

" Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings. "

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

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

" I love the Roth IRA. Tax-free income in retirement is a truly great deal. "

" Focus on what you have. "

" 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. "

" The key to making money is to stay invested. "

" Credit unions are often a better deal than banks and tend to pay higher yields on deposits. "

" If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62. "

" Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. "

" The world needs another vehicle to get people to pay in cash. "

" 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. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "

" You have got to be the masters of your own financial future. "