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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.' "

Suze Orman

Money

Fall

Start

Related Quotes:

" Who would you want to be giving you advice? Somebody who doesn't have any money? "

" You should keep a copy of your tax return indefinitely, but you need to save supporting documents for only three years. "

" 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. "

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

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

" Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. "

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

" 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. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone. "

" Never invest emergency savings in the stock market. "

" They got married, they got divorced, and half their money goes out the window. "

" Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account. "

" It pays to be a fee fiend. "

" Time is key to building your financial security. "

" Cut back your spending now. "

" 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. "

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

Suze Orman

Cost

Home

" 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. "

" Get rid of debt now. "

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

" The prenup needs to be drawn up months before the wedding, not days - it's not something you slap together and sign in the car on the way to the ceremony. A shotgun prenup might not hold up in court. "

" 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. "

" 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. "

" Recast your current problems into proactive goals. "

" True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share. "

" Learn how to prioritize all your debt. And did you know student loan debt is the most dangerous debt any of us can have? "

Suze Orman

Know

You

" I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home down payment, or pay off their $5,000 credit card balance. "

" 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. "

" It's fine to seek professional help, but I urge everyone - no matter how big their portfolio - to truly understand every suggestion they're given before acting. "