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.

Opposites may attract, but I wouldn't put my money on a relationship of financial opposites.

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

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.

The key to making money is to stay invested.