Suze Orman

“The world does not need another credit card.”

“Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'”

“When someone chooses to value herself over the things she can buy, true transformation begins.”

“Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.”

“A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.”

“Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.”