Suze Orman

Make this the year you tackle that credit card debt once and for all.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. The first, and most difficult, step is to absolve yourself and your spouse or partner of any guilt.

If you're going down the street and you're going the wrong way, remember — God permits U-turns.

Ignore the annual percentage rate when shopping for a mortgage.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

When you are grateful — when you can see what you have — you unlock blessings to flow in your life.

The key to making money is to stay invested.

Every portfolio benefits from bonds; they provide a cushion when the stock market hits a rough patch. But avoiding stocks completely could mean your investment won't grow any faster than the rate of inflation.

I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded.

Credit unions are often a better deal than banks and tend to pay higher yields on deposits.

A wise woman recognizes when her life is out of balance and summons the courage to act to correct it, she knows the meaning of true generosity, happiness is the reward for a life lived in harmony, with a courage and grace.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

The American dream is dead for the majority of America.

Cash — in savings accounts, short-term CDs or money market deposits — is great for an emergency fund. But to fulfill a long-term investment goal like funding your retirement, consider buying stocks. The more distant your financial target, the longer inflation will gnaw at the purchasing power of your money.

When you're happy you find pure joy in your life. There are no regrets in this state of happiness — and that's a goal worth striving for in all areas of your life.

The way to build your savings is by spending less each month.

True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

Estate planning is an important and everlasting gift you can give your family. And setting up a smooth inheritance isn't as hard as you might think.