If you are, consolidating at a lower interest rate can help you pay off your debt faster. But if there's even a small chance that you'll spiral back into debt, it's not for you.

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.

You will be successful only in the field of your gift

Two things I ask of my God today. That my faith be hoisted high like a kite up in the sky and my fear be buried deeply like a carcass into the soil.

You don't realize it and that is why you hate who you are. You are living as someone else, so you unknowingly destroy that image everyday.

Doesn't matter what you do, or how you do it, your neighbors are gonna talk about you ANYWAY.

I watched Nancy Pelosi and Tom Daschle. Good grief. What whining weenies.

I've never progressed very far from my days as a smart aleck in middle school.

We are each but a quarter note in a grand symphony.

The easiest lies to tell are the ones you want to be true.

Half my life is an act of revision; more than half the act is performed with small changes.

But just think what a dull world it would be if everyone was sensible,' pleaded Anne.