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" 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. "

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

" If you're financially responsible, your children have a much better chance to grow up financially responsible. "

" 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 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. "

" 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. "

" 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. "

" I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years. "

" 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. "

" It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting. "

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

" Happiness is not a luxury. It is a necessity. When we are happy, we are in the best possible place to be good to ourselves and those we love. "

" A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life. "

" Recast your current problems into proactive goals. "

" Never invest emergency savings in the stock market. "

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

" The way to build your savings is by spending less each month. "

" The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases. "

" Cut back your spending now. "

" 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. "

" 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. "

" 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. "

" Focus on what you have. "

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

" 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. "

" Learn to recognize true wealth. Money itself will not make you financially free. That comes as a result of only that powerful state of mind which tells us that we are worth far more than our money. "

" I think they've been baby bummers. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

" 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. "

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

" Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum. "