A former bakery shop waitress, Suze Orman hosts an Emmy-winning television program on CNBC, writes a column for O: The Oprah Magazine and written seven best-selling books on personal finance. She is now is now worth more than $32 million. Here are some of her best quotes and summaries from her best-selling books:

[From the 100 Ways To Be Being Remarkable Series, a special project that brings you business and self-development advice from The Success Manual. ]

Suze Orman's Top 3 Quotes

1. People first, then money, then things.
2. Financial freedom is our birthright, rather than the "slave walk" of the Monday through Friday grind..
3. They got married, they got divorced, and half their money goes out the window.

Suze Orman's 2009 Action Plan: A Summary

The 6 golden rules to follow
1.Spend half of what you earn.
If you are a 2 income household, bank one, and only live off 1 income. Bank your money in a saving account.

2.Save money in a saving account for a rainy day in case you are laid off, and have to access it quickly.
Do not use credit for nonessential items.

3.Don’t close credit accounts.
Even though you pay off the credit cards, and don’t live above your means charging things,

4.Make your home affordable. If still employed, live below your means.
Buy an affordable house below your means, not above it. If laid off, check into a Home Loan Modification.
Refinance if you can. In order to apply for the overnment program your loan must be a Freddie Mac, or Fannie Mae home loan.

5.Make use of all your options.
Apply for Cobra, with your HR office. This is your company’s health plan where you, not your company pay for your health premiums.
Be realistic, however. In Arizona, unemployment insurance is a maximum $240 a week, no matter what you earned.In any state unemployment is never more than 50% of your income.
Note: You can only receive it for 26 weeks, but may be extended for longer. The first $2,400 is tax federally tax free but after that you owe income taxes on it. State taxes still apply.

6. Look at what you have, not at what you had, such as a job, a house, a hefty 401K account, etc.
Stay with gratitude, not envy, regret, and anger. You can’t job hunt, or make plans when you are stick in the mire. Check your anger for it shows in your job interview. Don’t watch the rear view mirror of yesterday, while driving into the future, or you’ll get into an accident.

Take up this challenge:
1. Do not spend money for one day.
2. Do not use your credit card for one week.
3. Do not eat out at a restaurant for one month.

More rules from the Action Plan
DO NOT dip into your 401k.
Pay down credit cards as much as possible.
Keep your FICO score above 700, preferably above 720 by making payments on time.
Make sure your family has health insurance.
If buying real estate, you should be able to make the 10-20% downpayment, or you're probably not ready to buy!

Suze Orman's 12-Step Debt -Relief Program
1. You must face the enemy: Tell others about your debt.
2. If you're in "over your head" with credit-card debt, cut up your cards now. If necessary, keep one card for emergencies.
3. Call your one remaining credit card company and ask them to lower your limit to a level that's adequate for emergencies - and nothing else.
4. Pay as much as you can each month - and always pay more than the minimum.
5. Pay off the card with the highest interest rate first, and the rest in descending order.
6. Always manage your cards to provide the lowest interest rates, switching cards every six months if necessary.
7. Make a point to understand all the inner workings of your card(s) − fees, grace periods, everything.
8. Honor all debts equally − whether you owe the money to Mastercard or a family member.
9. Once you pay off one card, you must apply that card's payment toward your next highest-rate card.
10. If you really cannot accomplish this yourself, enlist the aid of outside agencies.
11. Make sure to never let this happen again - Once all debts are paid off, apply the payment money toward your future.

Suze Orman's 9 Steps to Financial Freedom:
Step 1 - Seeing how your past holds the key to your financial future
Step 2 - Facing your fears and creating new truths: look at their past memories and see how they cause them to act toward money in their current life.
Step 3 - Being honest with yourself: getting all of your past records and realizing where you money has gone over the past 2 years. The plan is to use previous records to determine your budgeting plan for the future.
Step 4 - Being responsible to those you love: insurance, estate planning, trusts, and wills.
Step 5 - Being respectful of yourself and your money: sort through and organize their own finances.
Step 6 - Trusting yourself more than you trust others: go with their gut-feelings too. vs using financial advisor
Step 7 - Being open to receive all that you are meant to have: the joys of donating to charities.
Step 8 - Understanding the ebb and flow of the money cycle: make the most from our past failures to see success in the future.
Step 9 - Recognizing true wealth: real value in life does not come from money and wealth.

The Save Yourself Plan
This is from her book 'Women & Money'. In the Save Yourself Plan, Orman outlines the core principles and details)of personal finance that every woman must know and practice.

Month One: Checking and Savings Accounts - Get organized, get a free checking account, open up a higher-yield savings account, etc.
Month Two: Credit Cards and FICO Credit Scores - Check your credit score, build up your credit if you don’t have any, pay down bills, pay less fees, etc.
Month Three: Retirement Investing - Start putting something away, invest in 401ks and Roth IRAs, buy low-cost index funds, etc.
Month Four: Must-Have Documents - Wills, living revocable trusts, advanced directives, etc.
Month Five: Protecting Your Family and Home - Life insurance, renters or homeowner’s insurance, personal liability insurance, etc.
Beyond the Plan: Knowledge = Power = Control

Related:
How to Become Rich Part3: The Power of Compounding
How to Become Rich and Famous: The 100 words Guide
How to Become Rich Part 2: Peter Lynch's Universally Proven rules of investing
How to Become Rich: Warren Buffet's 18 Greatest Wealth Rules
Making Money Online in your Spare Time: 50 Ways & 150 sites

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