When you're setting up a budget, a general rule is to start with your fixed expenses - your housing and insurance payments, and car payment, if you own one.

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.

My heart in passion, and my head on rhymes.

But sometimes even people who care about each other need some time apart.

...just because I don't have on a silly black costume and carry a silly broom and wear a silly black hat, doesn't mean that I'm not a witch. I'm a witch all the time and not just on Halloween.

A lot of people who are involved in self-discovery lose energy to abusive teachers, to abusive friends and to entities, non-physical beings.

History is apt to judge harshly those who sacrifice tomorrow for today.

Realize that war is common and justice is strife, and that all things come into being and pass away through strife.

I have made all the calculations; fate will do the rest.

The secret to my success is that I bit off more than I could chew and I chewed as fast as I could.

It is futile to put personality ahead of character, to try to improve relationships with others before improving ourselves.

I think I spent my whole childhood diving out of haylofts with my BB gun and coming out shooting.