That unpaid balance on your credit card can really hurt your finances.
Most people know that if you make only the minimum monthly payment on your card, it can take you months -- or even years -- longer than you had intended before you can finally pay off the balance.
Say you have $3,000 in debt on a credit card with a 15-percent interest rate.
You figure you can do better meeting your monthly expenses, and even put a little aside for savings, if you pay only $75 per month on the card.
Some people just have all the luck when it comes to their careers.
Susan RoAne, author of the new book "How to Create Your Own Luck," says these seemingly fortunate people are really outstanding networkers who aren't afraid to make career changes.
Name-dropping isn't necessarily bragging about how well connected you are.
Finding a friend or acquaintance in common creates a more personal connection and opens new doors.
Paying attention to what goes on around you can put you in a good position to ask for, or offer, help.
It's also a fantastic way to learn about your field -- where it's headed, what is needed and who the people of importance are.
You don't have to pull yourself up by your own bootstraps.
Recent consumer data security breaches at ChoicePoint Inc., DSW Shoe Warehouse and LexisNexis demonstrated how vulnerable electronic information can be.
"Security is moving from being regarded largely as a defensive measure to one that has become an integral part of systems design," said Katherine Spencer Lee, executive director of Robert Half Technology, a Menlo Park, Calif.-based staffing service for IT professionals that commissioned the survey.