Learn how credit scoring works and keep your score high and your debt low.

Don’t marry the man you can live with, marry the man you cannot live without.

Make your own happy. Don’t depend on that guy you can’t live without. IF he adds to your happiness, that’s great, but be happy on your own first and that relationship will thrive.

Use coupons and don’t be a brand snob. You’d be amazed how much you are overpaying. Never pay full price. Ever.

If you do not have kids, do not give parenting advice to people who do. You have no idea what you are talking about and might alienate someone in the process.

Tracy age 36