144 Quotes by Jean Chatzky

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.

Rolling all of your debts into a single loan is a good idea - in theory. In fact, it can be a great idea.

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.

Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

You can cut the fat from your spending: Stop taking taxis, call your cable company and ask for the same deal new subscribers get, have dinner at home and then a drink out instead of a $100 meal with wine.

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

A little personality goes a long way.

Wills are trumped by legal titles to real estate or beneficiary designations on financial accounts, retirement plans and insurance policies.

Debt settlement companies work as a middleman between you and your creditor. If all goes well (and that's a big if), you should be able to settle your debts for cents on the dollar. You'll also pay a fee to the debt settlement company, usually either a percentage of the total debt you have or a percentage of the total amount forgiven.