I've heard it said that the question, "What is the purpose of my life?" is the most common question of all time.

Everyone is yearning to know what purpose they are supposed to play in this world. It is at the heart of every human being to feel important and needed. As pathetic as it sounds, it's true.

The mistake most of us make is to place purpose and occupation into the same mix. They are often related, but should not be directly linked.

Purpose involves you are designed to be. This is the more important issue because it affects every decision you make and every activity you engage in.

You may have heard that you can make your first million dollars online as a blogger in your spare time. It's true - that is, if your spare time equates to about five years of spending at least 60 hours per week in front of a computer typing until your fingers are numb. Not to mention the link building and marketing that is required to generate the amount of traffic you need in order to actually start seeing money trickle in.

Yep. Piece of cake.

Here are some myths about making money online via blogs or websites and what you need to do in order to really be successful:

I have found that I can not accomplish hardly anything without first setting a goal. When I set a goal, I am able to see where I am going and the steps it will take to get there. This is especially true when it comes to success with finances.

Sometimes I am too gosh-darn lazy to set goals.

Fred, a 5G Plan member, asked me this question a few weeks ago. "Regarding building credit score and a good report, do you have any advice or strategies that can benefit me on this journey. Its highly appreciated. Keep up the good work."

Credit scores range from 350 to 850. The higher the better. The average nationwide credit score in 2008 was 694 according to Experian's National Score Index. Having a score over 720 is optimal. You want to have a good credit score because often lenders will give you a rate based on your score or they will not even provide you with credit if your score is below a certain level.

To improve your score you need to know what factors go into determining your score. Here is the breakdown.

I've been battling with my own mind on whether I should get rid of my credit cards and just go with debit cards.

I see two sides of the coin, but I need you to help me determine which one Michelle and I should use from now on. Here are a few of my thoughts on the matter of credit cards verses debit cards.

Negotiations. There are people in the world who love confrontation and are OK when others do no like them them. I'm not one of those people. I hate confrontation. But then again, I've notice that the older I get, the bolder I become.

There are plenty of situations in life where "rocking the boat" is OK. And one of those situations is negotiating your credit card interest rates. By negotiating better rates, you will be able to accelerate your debt even faster and hopefully become debt free before you know it.

So, rather than going on and on about how beneficial credit card interest rate negotiations are, I'm going to just jump right into it.

Here is a script you can follow in order to negotiate your credit card interest rates:

College tuition only continues to go up. In fact according to an article on CollegeBoard.com students can expect to pay any where from $172 to $1,096 more this year than last year. The average cost of college tuition for a private school is around $26,000 per year and the average tuition for a public school is around $7,000. This could mean $28,000 to $104,000 in school debt at graduation. Yuck!

I don't know a whole lot of students who want to hang on to that debt for very long. Most of them want to get rid of it as fast as possible so that they can move on with their lives.

Here are a few tips on how to quickly pay off your student loans:

1. Keep living like a student.

Despite what the rest of the world tells you, you don't have to get out of college and immediately start living like your parents. In fact, my suggestion is to live WITH your parents after you graduate.

Have you ever thought of debt as being in prison? If you look closely, there are many similarities.

I've heard it said that 75% of Americans have extreme debt. This means that there debt far exceeds their assets. Did someone just say, "bummer"? Maybe that was me.

Our grandparents use to live with the notion that you were not supposed to buy something until you had the money to do so. Somewhere in the 20th century we lost track of that principle and replaced it with "Buy, buy, buy... and then you'll have happiness."