Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

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.

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.

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.

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.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund or have money saved for a home down payment or pay off their $5000 credit card balance.

I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund or have money saved for a home down payment or pay off their $5000 credit card balance.

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.

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.