Cut Back Your Spending Now.

A Wise Woman Recognizes When Her Life Is Out Of Balance And Summons The Courage To Act To Correct It, She Knows The Meaning Of True Generosity, Happiness Is The Reward For A Life Lived In Harmony, With A Courage And Grace.

We Tend To Focus On Assets And Forget About Debts. Financial Security Requires Facing Up To The Big Picture: Assets Minus Debts.

Choosing Wealth As A Goal Requires Facing Everything About Your Money Bravely, Honestly, With Courage -- Which Is A Very, Very Hard Thing For Most Of Us To Do.

Opt For A Fixed-rate Rather Than An Adjustable-rate Mortgage.

As Our Net Worth Falls, So Does Our Self-worth. Ironically, It's When We Don't Have It That We Most Feel We Have To Flaunt It.