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" 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. "

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" Find $50 a month for savings. No excuses! "

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

" Not everything is about money. "

" 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. "

" 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. "

" 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. "

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

" When it comes to tackling your financial goals, whatever they might be, there's no time like the present. "

" Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. "

" A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace. "

" People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies. "

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem. "

" Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings. "

" 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. "

" If you make any trades during the year, keep a record of each transaction for at least three years. "

" We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education. "

" Opt for a fixed-rate rather than an adjustable-rate mortgage. "

" If you're going down the street and you're going the wrong way, remember - God permits U-turns. "

" 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. "

" Give to yourself as much as you give of yourself! This means you have to put yourself first. "

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

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

" I always knew that I would have to make it on my own somehow. "

" Ignore the annual percentage rate when shopping for a mortgage. "

" Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there. "

" My greatest pleasure is still flying private. I spend between $300,000 to $500,000, depending on my year, on flying private. "

" So many financial dreams are thwarted by the failure to act upon good intentions. "

" Cash - in savings accounts, short-term CDs or money market deposits - is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money. "

" A revocable living trust allows your heirs to avoid probate entirely and keeps you in complete control of your finances while you're alive. You can always make changes to what's in the trust and to how you'd ultimately like it managed or disbursed. "