Quotes By Suze Orman

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.

Cut back your spending now.

I am a big believer that orderliness begets wealth.

The world needs another vehicle to get people to pay in cash.

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.

Make it a priority to have at least eight months of living costs set aside in a federally insured bank or credit union account.

The most important loan to pay is your student loan. It's more important than your mortgage, car and credit card payments. You cannot discharge student loan debt in the majority of cases.

People first, then money, then things.

Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think.

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

The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

There is nothing more beautiful than a confident woman.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.

When you lose something in your life, stop thinking it's a loss for you... it is a gift you have been given so you can get on the right path to where you are meant to go, not to where you think you should have gone.

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.

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

Ignore the annual percentage rate when shopping for a mortgage.

If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.

Opt for a fixed-rate rather than an adjustable-rate mortgage.

Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

Give to yourself as much as you give of yourself! This means you have to put yourself first.

Many people are in the dark when it comes to money, and I'm going to turn on the lights.

The world does not need another credit card.

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts.

Thoughtful financial planning can easily take a backseat to daily life.

To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

People often panic when the markets go down and sell off their stocks - but then they aren't in the game when the markets are doing well.

Get rid of debt now.