Jean Chatzky
Jean Chatzky
Jean Sherman Chatzkyis an American financial journalist, author and motivational speaker. Chatzky has given personal financial advice on various TV shows. She is the financial editor for NBC's Today Show...
NationalityAmerican
ProfessionJournalist
Date of Birth7 November 1964
CountryUnited States of America
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Put all of your savings on autopilot, and you won't likely notice the missing cash.
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I've never met a budget that I couldn't coax a few extra dollars from - and I'll bet that you can do the same. For instance, you're probably buying more minutes and more cable channels than you use. Oh, and how many black skinny jeans do I count in your closet? You have enough money, just the wrong priorities.
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These days, checks are direct-deposited, money comes out of a machine in the wall, and we swipe a plastic card to make a purchase. In other words, your kids can grow up thinking money comes in an endless supply if you don't show them otherwise.
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Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.
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Do you have an emergency fund? If not, build one - aim for three months of expenses to start, then boost it to six. It will ease your anxiety and get you out of a potential jam.
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Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. Both are investments worth making, and both come with fairly low interest rates.
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Anticipating a boomerang child seems the odds-on thing to do. Think about furnishing - hello, sleeper sofa - with this in mind.
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Your credit score takes into account years of information in most cases. It's not going to improve in a day. But it may improve more quickly than you think. Generally, the last 24 months carry the most weight, so if you can keep clean for that long, you'll see a boost.
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Secured cards can be helpful credit rebuilding tools for two reasons. First, because of the collateral, you can get them at a time when you're not likely to be approved for nonsecured cards. And as long as you maintain an on-time payment history, they can help you start to build a recent credit history that's fairly pristine.
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Older couples bring obligations such as support payments and debt as well as decades of financial experience to a marriage.
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Show your kids that needs and wants are two different things. The best way to teach our kids to be smart consumers - and savvy savers - is to model good behavior for them.
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Simply calling your credit card issuer and asking them to lower your interest rate may yield immediate savings.
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One of my rules is: If it's good for the planet, it's usually good for your wallet.
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Nontraditional students often have the misconception that aid is intended only for high school students entering college. Luckily, that's not the case.