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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Embrace your fire - even in hard times. A down economy can actually be a great time to start a business.
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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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By working toward a financial objective, you'll start to see the money add up for retirement or the credit card balance go down. But it doesn't have an immediate impact on your day-to-day life, and when it does - like when you're pinching pennies to save more - the immediate impact could feel negative.
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If you're just starting out in the workforce, the very best thing you can do for yourself is to get started in your workplace retirement plan. Contribute enough to grab any matching dollars your employer is offering (a.k.a. the last free money on earth).
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Whether you're replacing one appliance that's seen better days, or many because you're moving or renovating, you probably know to look for the Energy Star label. That's good advice.
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In money, and in life, you are very often your own worst enemy. You promise yourself you're going to diet, then eat not one or two French fries but a whole plate. You decide to really commit to saving for retirement, only to wind up with a new pair of shoes in your closet.
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It's not exactly a big surprise that women mature earlier than men do. As a result, they tend to display better judgment, particularly when it comes to money.
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After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.
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In a relationship where finances are shared, it's important that both people know what's going on. If one spouse likes being the family accountant, it's fine for that person to take the lead, but the other spouse shouldn't be in the dark.
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I've gotten emails from people who purchased items from an infomercial, only to find out that the shipping was more expensive than the item itself. The lesson: If you truly want to order something you see on TV, go online to the product's website and see if you can find out more information.
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Taking a shuttle or even paying for a taxi to a rental office that's a few miles away from the airport can mean a lower rate - 50 percent lower is common - for the same car, from the same company, for the same length of time. Many companies run free shuttles from some of the major airports.
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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.
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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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Eliminating or substantially lowering just one major monthly expense can give you enough cushion to move into a more comfortable place financially.