“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.”
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The key to making money is to stay invested.
Rather than saying, 'My checking account is a wreck, ' change it to 'I will learn how to track my spending and balance my checkbook.'
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
Here's my gift-giving rule: Respect your current financial situation.
