You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not use them again.

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.

I took up arms for the freedom of my color. It is our own - we will defend it or perish.

Yech," said Simon. "Don't 'yech' me. You're the one with the magical spit.

I don't subscribe to anything. I sit there and I try to think about what seems honest to me.

Peter Shilton conceded five, you don't get many of those to the dozen

Virtue by premeditation isn't worth much.

Some of the best stuff can be written out of dire times

I'm a computer freak. I'm on the Internet every night. Sometimes I play dungeons and dragons with 15-year-old boys who think I'm a 15-year-old boy with a weird vocabulary.

I've been very fortunate to dodge a nickname throughout my entire career. I've never had one.

You can't solve a problem? Well, get down and investigate the present facts and [the problem's] past history! When you have investigated the problem thoroughly, you will know how to solve it.

Right now, my favorite game is Resident Evil 2.