Suze: Your goal should be to have a FICO score of 720, 760 or higher. I want you to really tally up all the money you have on your credit cards. You need to face it to erase it. Also, make this year a year that you commit to having an 8-month emergency fund. Things go wrong, and you need money if that happens. So, make those little adjustments and this can be one of the greatest years of your life.
More from Suze:
Credit card debt eliminator calculator
More from Ask Oprah's All Stars: Dr. Oz and Dr. Phil get real about relationships, poop and everything in between.