Quotes from Suze Orman

Time and love are the most valuable possessions you can share.

Oprah deserves the best. I am not the best when it comes to divorce. What do I know about divorce? Nothing at that time.

Don't let what others think or say get in your way; their actions reflect on them, not you.

I do not think I am successful just because I have money. I'm successful because I love who I am and I have no regrets, and I'm successful because I have a great heart and I have compassion and I care and I would be happy with or without money.

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.

The less money you owe, the less income you'll need and the less you'll have to save for tomorrow.

True generosity is an offering given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable possession you can share.

Stop saying yes out of fear about what others will think about you and say NO out of love for yourself!

I generally encourage people to make good on debts when they have enough money to repay them. But once a delinquency has been reported to a collection agency, paying it off won't help your FICO score. The damage has already been done, and the blemish will remain on your credit report for seven years.

I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart the value of money to your children.

Rather than saying, 'My checking account is a wreck,' change it to 'I will learn how to track my spending and balance my checkbook.'

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 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.

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.

Be as good to yourself as you are to those you love.

Prenups are so unromantic - a sign of distrust, not love. Time for a reality check, my friends. First, drawing up a prenuptial agreement together is a sign of incredible trust and financial openness - you're fooling yourself if you think you can achieve complete intimacy without it.

We women know how to take care of everybody so well. But the one person we have written out of the equation is us.

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 make any trades during the year, keep a record of each transaction for at least three years.

A great teacher once taught me that you've got to have faith that everything happens for the best. I have had many setbacks in my career and every setback has led me that much further into my truth.

If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled.

People have got to learn: if they don't have cookies in the cookie jar, they can't eat cookies.

Credit unions are often a better deal than banks and tend to pay higher yields on deposits.

In January we start saving money, getting out of credit card debt, funding our retirement accounts, and we're doing wonderful. Then, every single year like clockwork, starting in November, all of you fall into this trap that says, 'I have to buy this gift... I can't show up at this party and not have something for everybody.'