Quotes by Jean Chatzky

Jean Chatzky

A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan or home equity line of credit (HELOC), refinancing a mortgage, or taking out a personal loan. They then use this cheaper debt to pay off more expensive debt, most frequently credit card loans, but also auto loans, private student loans, or other debt.

Cards

Home

People

A little personality goes a long way.

Littles

Long

Personality

After explaining why you’re in trouble, ask the creditor if the company would be willing to accept a smaller amount. Start negotiations at about 30% of the total amount due, with the end goal of paying 50%.

Goal

Trouble

Would Be

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

Broken

People

Style

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

Money

Powerful

Saving

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.

Debt

Dollars

Pay

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

Bills

Cards

Credit

Even in the days of the tightest credit in 2008, HELOCs [ home equity line of credit ] and home equity loans were being made.

Credit

Home

Lines

Get your friends involved. Let your shopping buddies know that you’re on a tight budget, and they can help you out when your willpower starts to weaken at the mall.

Helping

Shopping

Willpower

If you are able to settle, you’ll be getting off rather easy. Debt settlement companies can sometimes get you off the hook for a large percentage of your debt – in many cases, up to 50% will be written off.

Able

Debt

Hook

Follow The Behaviour University in order to get the greatest quotes from the greatest people of all time so that you can tap into your own greatness.

Able

Accepted

Agreement

Bills

Broken

Calling

Cards

Cash

Caught

Clear

Coffee

Credit

Creditors

Debt

Default

Divorce

Dollar Bills

Dollars

Doubt

Each Month

Fall

Feelings

Goal

Guilty

Guy

Hands

Helping

Holes

Holiday

Home

Hook

Ideas

Inspiring

Interest

Irs

Jobs

Lasts

Letters

Lines

Lists

Littles

Long

Looks

Mean

Money

Names

Needs

New Job

Numbers

Pay

The Future Blueprint

Tool

The Home Therapist: Anti Anxiety

Tool

The Autobiography

Tool

The Behaviour Diary

Tool

The Dating Diary

Tool

The Relationship Therapist

Tool

Quotes by Jean Chatzky

Jean Chatzky

A little personality goes a long way.

After explaining why you’re in trouble, ask the creditor if the company would be willing to accept a smaller amount. Start negotiations at about 30% of the total amount due, with the end goal of paying 50%.

Buy experiences, not things. Spending on experiences makes people happier than spending on things. Things get broken and go out of style. Experiences get better every time you talk about them.

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

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

Even in the days of the tightest credit in 2008, HELOCs [ home equity line of credit ] and home equity loans were being made.

Get your friends involved. Let your shopping buddies know that you’re on a tight budget, and they can help you out when your willpower starts to weaken at the mall.

If you are able to settle, you’ll be getting off rather easy. Debt settlement companies can sometimes get you off the hook for a large percentage of your debt – in many cases, up to 50% will be written off.

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Topics by Jean Chatzky

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The Future Blueprint

The Home Therapist: Anti Anxiety

The Autobiography

The Behaviour Diary

The Dating Diary

The Relationship Therapist

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