Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in … - Jean Chatzky

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There's been injuries to where my perseverance may have gotten overlooked-just my hard work and what I bring to a franchise and to a team may have gotten overlooked. But it's a matter of staying professional and playing the game of basketball and ultimately doing whatever it takes to win a championship for your teammates.

Jean Chatzky

Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in hand, it gives you a positive listing on your credit report - even though you haven't paid the full amount. Get this agreement in writing.

Agreement, Amount, Creditor, Gives, Hands, Writing

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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.

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You can have a do-over starting today. But you have to get over the feeling that it's too late

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It's not about having it all. It's about having what you value most.

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Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers anyway. But if you do, remember that the less credit you have available, the less trouble you can get into.

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By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

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