You really don't need to hire a debt settlement company to negotiate with your creditors.

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.

All religions are "revealed" and "inspired". After all nothing happens without the "will" of god.

All your life, other people will try to take your accomplishments away from you. Don't you take it away from yourself.

Analysis and synthesis are different mental muscles to serve different purposes.

Some of the greatest moments in human history were fueled by emotional intelligence.

If I eat a huge meal and I can get the girl to rub my belly, I think that's about as romantic as I can think of.

All teaching and all intellectual learning come about from already existing knowledge.

If at last thou attain the desire of thy life, Cast the world aside, yea, abandon it!

Some fine day, Democrats may figure out how to get on the right side of the value divide - how to define America as a place of the common good and not a playground of the strong.

I think if you're gonna run your mouth at somebody and they call you out on it - that's it!

All the directors that I've had the opportunity to work with are fantastic.