If you really do struggle with debt, then the most important thing you can do is DON’T TAKE OUT ANY MORE DEBT. Cut up your credit cards immediately. As you pay each one off, cancel it. Don’t equivocate. You don’t need them. Nobody needs a credit card. And if you’ve had problems with them in [...]

So what are you going to do about it?  Whine, complain, continue feeling sorry for yourself?  I have a better idea.  Get mad!  Decide once and for all that you will not sell your soul to the likes of MasterCard and Visa — not one more day, not one more purchase.  Get righteously indignant at [...]

Change is a funny thing.  Although most people say they want to change — so they can have a better life, with more love, more dreams, and more fun — the fact is that many of us are afraid of change.  Faced with the real prospect of it, we look at our lives and decide [...]

Financial security isn’t about being lucky, miserly, or the child of well-off parents. It’s about discipline.
— mamessner, Lifehacker commenter 

If you proceed with your financial life the way it is now, you are settling.  You are doing absolutely nothing to change your situation.  In order to live a life of richness, a life free of the bondage, weight, and burden of debt, you have to summon from the deepest recesses of your soul every [...]

Add Up All of Your Monthly Minimum Payments on Your Debt. For me, this was a HUGE eye-opener. After seeing all of the money that I have to use every month to pay debt, I realized that there is a very large chunk of money that could be used for other things, like perhaps saving [...]

If you are overwhelmed, and you feel like there is too much info out there, or that you are too “stupid” to do anything about your finances…STOP!!! There is hope. You must learn to grasp hold of today, forget about yesterday, and plan for tomorrow. Quit borrowing money. Get out of debt. Make a plan. [...]

I’m anticipating the problems, putting them on the table and fighting them before they happen.  One advantage is that you are always on top of the situation.  The disadvantage is that at a certain moment people don’t believe you anymore.  They think you are fabricating the crisis, that the crisis is artificial.  But it’s part [...]

Helen Keller became deaf, dumb, and blind shortly after birth.  Despite her greatest misfortune, she has written her name indelibly in the pages of the history of the great.  Her entire life has served as evidence that no one is ever defeated until defeat has been accepted as a reality.
 
Beethoven was deaf, Milton was blind, [...]

Most of us are good “starters” but poor “finishers” of everything we begin.  Moreover, people are prone to give up at the first signs of defeat.  There is no substitute for persistence.  The person who makes persistence his watch-word discovers that “Old Man Failure” finally becomes tired, and makes his departure.  Failure cannot cope with [...]

Three decisions that you make every moment of your life control your destiny. These three decisions determine what you’ll notice, how you’ll feel, what you’ll do, and ultimately what you will contribute and who you’ll become. If you don’t control these three decisions, you simply aren’t in control of your life. When you do control [...]

I know of no more encouraging fact than the unquestionable ability of man to elevate his life by a conscious endeavor.
— Henry David Thoreau