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
costs family focus looking minute money organized productive spend spent time unable wondering
Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have been productive around the house, time you could have been making money.
bump child encourage envision house photograph prompt remind retirement savings snapshot spending visual
Use visual cues to prompt yourself to put away more. A photograph of the beach house where you and your husband can envision spending your retirement will remind you to bump up the contribution to your 401(k); a snapshot of your child in a college sweatshirt can encourage you to put more into a 529 college savings plan.
guilty spending-money
You won't be caught off guard and you won't feel guilty, because you'll be spending money that you've allocated for the occasion.
accepted good-things spending-money
Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - always a good thing.
counting earned fast income insurance longer nest protects retired spending supplement takes
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.
blow cake fitting slice small treat trouble true
While it's true a small treat won't blow your budget, indulging every day could - the same way a slice of cake probably won't hurt but, if you make it a daily habit, you may have trouble fitting in your pants.
blow cuts faster paying rate save
Too often, we make budget cuts - then blow the savings. Instead, think about your financial picture. Do you have high-interest rate debt? Paying it off faster will save you a bundle.
account activities bank free fulfill pinpoint portion qualities realizing
You may be basing a portion of your self-worth on your bank account without even realizing it. Try to pinpoint the activities and qualities that, free of charge, fulfill you.
becoming file taxes time
Use an accountant the first time you file your taxes after becoming a freelancer. It will be worth it.
accounts children credit early house individual joint kick maintained marriage opened pay percentage second time
At the time of my second marriage, my husband was in his early 50s, I was in my mid-40s, and we each had two kids. We maintained our individual accounts and opened one for the house. We each kick the same percentage of our incomes into the house account and have a joint credit card. But we pay for our children separately.
believe bills blind brings deal eventually eye finally finances late matters notices problem stay turning
Turning a blind eye to your finances always brings trouble. When you let the bills or late notices stay in their envelopes, you're making matters worse. When you finally have to deal with the problem - believe me, you will eventually - it will be exaggerated because you didn't take action.
autonomy good key matter work
Find the autonomy in your work. Autonomy is key to feeling good about the work you do, no matter what kind of work it is.
call explain head issues job open pay pick prove ready struggling took
Face your financial issues head on. Open your bills, pick up the phone, call your lender. If applicable, tell them you're struggling and explain why. If you lost your job or took a pay cut, be ready to prove it.
account bank best change email social weak yours
Weak passwords are a crook's best friend. Make yours long and complex, and change them often - not just on your bank account but on your email and social media, too.