If I could start over with my financial situation, one thing I would commit to is never buying anything that would cost me in interest. I would still have financed my education with student loans and purchased my home, but I never would have financed anything else – or refinanced my mortgage. After doing a lot of research at http://money.cnn.com, I’ve come to the conclusion that it’s really never to late to start learning from and correcting financial mistakes. So, since I can’t start over, going forward I’m foregoing purchases that will cost me hard-earned cash in interest payments.