Whether we like to admit it, we've all probably spent money we don't have to impress people we don't even know or like. Before you spend another dollar, Suze Orman wants you to ask yourself these three questions:

1. Is it kind?
2. Is it necessary?
3. Is it true?
   

If you answer no to any one of those questions, please stop and don't buy what you're thinking about.

For example, take credit card debt. "It's not kind. Is it necessary? You know that it isn't. And if you don't have the money to pay for it outright, it is not true. If you have to put it on a credit card, it's not true."

Completely overwhelmed by your debt? It's time to start Oprah's Debt Diet.