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Without a gut-level sense that you are ultimately in control of what's happening to you, you won't even consider the option that you could manage it better.

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Jean Chatzky

Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you're better off just calling your creditors directly.

Accounts, Big, Calling, Needs, Tackle, Thinking
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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.

Broken, Happier, People, Style, Talk

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

Feeling, Feelings, Starting, Today, Too Late

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

Having, Inspiring, Value, Values

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.

Available, Cards, Credit, Lines, Turn

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

Bigger, Money, Powerful, Saving, Things
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