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" While a reverse mortgage can indeed be a viable way to generate income, it is very important to understand that after you take out a reverse mortgage, you will still be responsible for paying the property tax, the insurance premium, and all the maintenance costs for your home. "

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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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Money

Family

Friends

" Focus on what you have. "

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You

Focus

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

" Cut back your spending now. "

" The less you have to think about how to spend every dollar, the more likely you are to spend wisely. "

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Less

Spend

" 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. "

" A wise woman knows how to summon her courage and do what is right, rather than what is easy. "

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

" People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well. "

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People

Doing

" If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled. "

" I get mad when people give me presents. I don't want them, I don't need them. "

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Want

People

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

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

" I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love. "

" Not everything is about money. "

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

" If you wait to see how much money you have left at the end of the month to put toward savings, the answer may be zero. So, set up an automated monthly transfer from your checking to savings account. Once you lock into that commitment, you'll be forced to scale back spending to make ends meet. "

" 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. "

" I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children. "

" 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. "

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

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

" 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 middle class has disappeared. We have a highway to poverty and no roads coming out. "

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

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

" 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. "

" Recast your current problems into proactive goals. "

" People first, then money, then things. "

" Just because you can afford it doesn't mean you should buy it. "