If you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as I said, you can often do the legwork on your own.

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 capacity for having a good time exists. It surfaces, however, on odd occasions.

Well, sir, if things are real, they’re there all the time." "Are they?" said the Professor; and Peter did not quite know what to say.

A fleet of British ships at war are the best negotiators.

England Their England by AG Macdonell which was written in the thirties and is about a young Scotsman who's got shell shocked during the First World War… I love it.

Take whatever you can from others, and when there is nothing left, forget about them.

There's so many bigger things in the world. The art world is such a tiny little thing compared to wars and migration crises. It's weird to be self-absorbed in it.

The venal herd. [Lat., Venale pecus.]

Stars in the night,' he said. 'Something something something something, some delight

The business aspect is more controlled than the culture, which allowed MCs to come in and talk about things like cars and jewels.