Quotes By Suze Orman

A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.

Just because you can afford it doesn't mean you should buy it.

The way to build your savings is by spending less each month.

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 $5,000 credit card balance.

No one's ever achieved financial fitness with a January resolution that's abandoned by February.

If you're financially responsible, your children have a much better chance to grow up financially responsible.

Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.

I simply want you to give to yourself as much as you give of yourself. By taking care of yourself financially, you will truly be able to take care of those you love.

They got married, they got divorced, and half their money goes out the window.

If you're not staying on top of your money, you are putting your financial well-being at risk.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

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.

Never invest emergency savings in the stock market.

Even if you were to fall into extreme financial hardship and file for bankruptcy, you need to understand that your student loan debt will not be discharged in bankruptcy. It is the Velcro of all debts.

Put your financial life on autopilot as a form of 'forced' saving.

I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months.

It's easy to underestimate the real cost of home ownership.

When you are grateful - when you can see what you have - you unlock blessings to flow in your life.

You must recognize, embrace, and be honest about what is real for you today and allow that understanding to inform the choices you make. Only then will you be able to build the future of your dreams.

People first, then money, then things.

Once your kids are grown and you know that you're completely healthy, consider canceling your life insurance policy.

If you're going down the street and you're going the wrong way, remember - God permits U-turns.

Never, ever invest money that you will need prior to three to five years - minimum.

Focus on what you have.

In order to create lasting security you must learn to stand in your truth.

Everybody in America started to define themselves by all these things they had around them. And all of a sudden it came tumbling down. So the old American dream has died, and that is a good thing.

If you have debt I'm willing to bet that general clutter is a problem for you too.

Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.

The only way you will ever permanently take control of your financial life is to dig deep and fix the root problem.

Here's my gift-giving rule: Respect your current financial situation.