Michelle Singletary
Michelle Singletary
kids college lasts
I've decided to keep working until my last kid is thu college.
kids income pay
Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
college
Once you finish paying for college you could reduce your life insurance.
progress debt motivated
I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.
keys balance cards
The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.
sick worry growth
Save what you can toward the emergency and life happens fund. But don't worry yourself sick at the slow growth. The point is it's growing even it's just one dollar at at time.
mean ideas identity
I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.
want debt enough
If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.
love-you giving people
When you give people who are being financially responsible money, you are enabling them to continue a bad habit. So you are actually helping by saying, "Love you but no."
jobs college giving
Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.
mean choices sometimes
We all only have a certain amount of money and that means yes, we have to make choices and sometimes those choices mean we don't get what we want.
eye opportunity
Always keep an eye out for other opportunities.
sometimes guts
Sometimes your gut is right. And sometimes not.
writing forever
Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.