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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You'll get the biggest bang for each buck by paying off the highest interest rate debt in your portfolio first, while making minimum payments on the remainder. It's called the avalanche method, and it gets you out of debt cheapest and fastest.
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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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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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The older you are when you buy an annuity, the shorter your life expectancy will be - so the greater a monthly paycheck the same sum of money will buy you. When interest rates are higher, the size of the paycheck for the same sum of money will rise also.
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You fall a bit behind on a credit card bill, your interest rate soars, your minimum payment rises, and you start falling more and more behind every month. You don't see an end. But you don't want to file bankruptcy either. What you can do - and should do - is negotiate.
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The interest rate you receive, however, is contingent on your credit score.
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If you are, consolidating at a lower interest rate can help you pay off your debt faster. But if there's even a small chance that you'll spiral back into debt, it's not for you.
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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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Couples that do save have stronger, more stable, less stressful unions. In other words, you don't want to be fighting about saving; you just want to be saving, period.
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Embrace your fire - even in hard times. A down economy can actually be a great time to start a business.
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Eliminating or substantially lowering just one major monthly expense can give you enough cushion to move into a more comfortable place financially.
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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 been a fan of loans between relatives or friends. They can divide relationships.