48 Jean Chatzky Quotes for You to Enjoy

Jean Chatzky

American Journalist

Born: Nov 7, 1964

Financial Good Money Time You Your

Related authors: Ambrose Bierce Dave Barry Erma Bombeck Hunter S. Thompson Mignon McLaughlin Walter Cronkite William F. Buckley, Jr. William Lloyd Garrison

If you have had the same dishwasher for 10 years or more, don't bother repairing it. The average dishwasher is expected to last nine years, and you've most likely squeezed as much life out of it as you can. Jean Chatzky

Life You Nine Out More Bother Had Most Likely Repairing Years Expected Squeezed Same Dishwasher Average Much Last

Optimism is an expectation that good things are going to be plentiful. The wealthy generally have the sense that life will bring good rather than bad outcomes. That doesn't mean they believe that good things will be omnipresent, but that they will outnumber the not-so-good. Jean Chatzky

Automate your savings so that you have money taken directly from each paycheck and deposited into a 401(k) or other workplace retirement account. If that's not an option, automatically have money transferred out of checking into savings each time you get paid. Jean Chatzky

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. Jean Chatzky

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Many of us, if pressed, would admit that we'd prefer a cash gift to another pair of pajamas or bestselling novel. But giving the green can make even the best of us uncomfortable - the etiquette is confusing, and those who relish picking out the perfect something can miss some of the fun. Jean Chatzky

Best Gift Giving Those Pressed Out Would Some Admit Cash Relish Something Perfect Uncomfortable Picking Miss Make Another Green Prefer Us Confusing Etiquette Who Fun Many Even Novel Pair Pajamas

There are two things that you need to save for. First, you need an emergency cushion of no fewer than six months of living expenses. This needs to be cash in a liquid account where you can get at it in - yes - an emergency if you need it. In other words, money markets, not CDs. You also need to save for your future: that means retirement. Jean Chatzky

Future Needs You Words Money First Living Other Months Markets Emergency Cash Retirement Also Yes Account Than Get Liquid Fewer Six Expenses Where In Other Words Cushion Means Your Things Two Need Save

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. Jean Chatzky

You Yourself Will College Husband Savings Spending Photograph Visual Prompt Beach More Put Remind Retirement Envision House Encourage Snapshot Bump Up Child Contribution Where Plan Use Your Your Child Away

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. Jean Chatzky

Women Money Better Result Men Big Judgment Exactly Tend Particularly Surprise Mature Than Big Surprise Display Earlier

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. Jean Chatzky

Time History You Long First Build Tools Approved Collateral Secured Maintain Likely Fairly Because Pristine Get Them Payment Help Reasons Helpful Rebuilding Credit Start Cards Recent Two

You could lose hundreds or thousands one day on paper and gain it all back the next, and it has literally no effect on your immediate future, provided the money you have in the market is money you're investing for the long haul (meaning at least three to five years). Jean Chatzky

Future Day You Money Three Long Lose Back Market Hundreds Immediate Paper One Day Thousands Haul Long Haul Could Investing Least Years Provided Effect Five Literally Gain Meaning Next Your

If salary is your most important consideration, make sure you don't take too much time off beyond the allotted 12-14 weeks of maternity leave - and certainly don't leave altogether. Jean Chatzky

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. Jean Chatzky

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Knowing where you stand in your quest to accumulate enough money for retirement is an incredibly important part of the planning process. Jean Chatzky

You Money Important Enough Enough Money Incredibly Part Retirement Knowing Important Part Quest Accumulate Where Process Stand Your Planning

Generally, there are three rules when it comes to borrowing money: You need to have good credit, proof of income and cash for a down payment. Most people have the first two, but it's the third that trips them up. And nowhere does that come into play more than the mortgage market. Jean Chatzky

Good You People Money Three First Down Market Rules Proof Trips Borrowing Cash More Generally Mortgage Come Most Does Up Than Them Payment Income Nowhere Play Credit Two Need Third

By the time most people file for bankruptcy, their credit is already trashed, they have a high debt-to-income ratio - a key indicator lenders look at - and they've likely defaulted on more than a few accounts. Jean Chatzky

Time People Key Few High Indicator More Ratio Look Most Likely Than Accounts Bankruptcy File Trashed Credit By The Time

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. Jean Chatzky

You Financial Will Picture Think Faster Too Savings About Rate Instead Budget Budget Cuts Make Off Debt Bundle Blow Often Cuts Then Your Paying Save

Our culture highlights the desire to always have more, even when we should be grateful for what we have. Jean Chatzky

Grateful Culture Be Grateful Our More Highlights Always Should Even Desire

I know it's exciting to get an item on sale. But if you're buying for the discounts and not because it's something you need or want - either for yourself or for a gift - you're going about things the wrong way. Think of it this way: Saving 30% is great, but if you didn't buy at all, you'd be saving 100%, which is even better. Jean Chatzky

Buy Great You Yourself Gift Better Think Saving Way About Something Exciting Wrong Wrong Way Know Because Sale Item Get Going Want Either Which Even Things Buying Need

When something you use again and again is on sale, take advantage. This strategy doesn't apply to perishable items, and you don't want to buy so much more than you need just to get a deal, but if you know you're going to use a product eventually, it pays to take advantage of the cheaper price. Jean Chatzky

Buy You Take Advantage Strategy Something More Price Take Cheaper Advantage Know Perishable Deal Sale Items Than Get Going Just Want Again Much Product Use Pays Eventually Apply Need

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