Caught Quote by Jean Chatzky

It's not about having it all. It's about having what you value most.

— Jean Chatzky

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…

— Jean Chatzky

You must be sure - and I mean absolutely positive - that you have the willpower to pay off those credit cards and not…

— Jean Chatzky

A little personality goes a long way.

— Jean Chatzky

The Bankruptcy Reform Act of 2005 made it harder for individuals to file bankruptcy, which is always the last resort. Unfortunately, simultaneously consumers racked…

— Jean Chatzky

Save for your goals. Take note of what's coming your way - vacations, the holidays, what ever is going to cost you money -…

— Jean Chatzky

Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers…

— Jean Chatzky

When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to…

— 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…

— Jean Chatzky

Sometimes a creditor is willingto do this as a bargaining point - you give the creditor cash in hand, it gives you a positive…

— Jean Chatzky

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…

— Jean Chatzky

You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC…

— Jean Chatzky