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.

No company can promise an end date, but if you have multiple debts, the first one should be settled within a year.

The essence of life does not consist in the lushness of your possessions, but in the richness of your heart.

If you don’t have a plan for your life, someone else does.

You think horror enters spectacularly. It doesn't. It just prosaically turns up. Even in the first seconds you know you'll find it a room.

Those who seek to listen to their own inner voice forget to listen to the judgment of others.

Everyone always believes him to be the person they think he is, which in truth is no one

Life, like poker has an element of risk. It shouldn't be avoided. It should be faced.

I have relentlessly beat the drum for Google's 'two-step' authentication systems for Gmail and other services, which radically reduce the likelihood that your account can be hacked from afar.

How easy it was to lie when one had to lie!

The devil is a cross between a really good used-car salesman and a game-show host, but with a lot more style and charm.There's a little Cary Grant thrown in there too.

You are holding a loaded gun, you idiot. Act like it.