If you have even a smidgen of doubt that you'll be able to stay away from racking up additional debt, don't do it.

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

You can have a do-over starting today. But you have to get over the feeling that it's too late

It's not about having it all. It's about having what you value most.

You'll get much better results by being upfront, answering creditors calls, and responding to their letters. Delaying the inevitable only digs a deeper hole.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

A little personality goes a long way.

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.

One thing I want to make clear: You never want to hide from your debts. It doesn't work.

The interest rate you receive, however, is contingent on your credit score.

Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

A hint: perhaps in this case, you should refrain from throwing the book at the audience when you finish.

There's not a hair extension or a makeup artist that can make me feel the way I feel when i give back

If we make our goal to live a life of compassion and unconditional love, then the world will indeed become a garden where all kinds of flowers can bloom and grow.

Money is coined liberty.

The Beatles were just a band that made it very, very big, that's all.

I am a strong Ukrainian girl, that is why I work a lot.

Would you care to walk to the river?” -Miles “I would love to walk anywhere with you." -Amber

War knows no power. Safe shall be my going, Secretly armed against all death's endeavour; Safe though all safety's lost; safe where men fall; And if these poor limbs die, safest of all.

Winning would create greater potential for change than talk alone.