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To start strong in 2009, Suze says you have to get honest about what you have—and what you don't. "You cannot have a plan where you build it on a foundation of lies," Suze says. "We're starting a new year. We're going to start it in honesty."

Donnarae says she's drowning in credit card debt and needs to come clean about how much she really owes. "I'm working three jobs, I'm juggling my life with my kids and I'm paying more than the minimum. I'm doing things that I'm supposed to be doing, but it's not going down," she says. "The worst part of this whole thing is that I probably have twice the debt that my husband thinks that I have."

Suze says the reason Donnarae's debt continues to increase is because she has created a dishonest financial relationship with her husband. "When you are hiding something, you feel guilty about it—that is an emotion. That emotion rises up that causes you to spend money to make yourself temporarily feel better," Suze says. "When you tell him the truth—today, after the show—your credit card debt will start to go down."
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FROM: Best Life Week: Your Money Plan 2009
Published on January 22, 2009
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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