Top 81 Quotes & Sayings by Michelle Singletary - Page 2

Kids can and are a blessing. But plenty of people without kids live and die just as happy.

To get started, track your expenses for a couple of months. Then you should be able to start filling in your estimated debits and deposits for the next few months. Once you get it rolling for a while, you will be able to see your budget for the upcoming months reflected in the estimated totals. You can even notice year-to-year trends, like bonuses, tax bills, etc. that come up routinely and it will help you budget accordingly.

I'm not a fan of debt consolidation. In my experience, many people "clear" credit cards and other debt to get the one payment and never change what they need to change to prevent getting into debt again.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

If we don't want the companies to cheat on us, we shouldn't be cheating on them.

I just don't like people taking debt into retirement.

You still need to save but being debt-free in retirement is and should be a goal.

We all fall - even me.

The rich are depressed because they realize their money can't buy them out of their issues.

A foreclosure does not define you financially.

I usually find that my gut doesn't steer me wrong when it comes to my money!

I'm driving my old car until I'm on a first name basis with the low tow truck drivers!

If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.

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.

We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.

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.

Don't let people scare you from a career that may not net you a six figure salary. If you want to be a teacher, teach. But knowing that your salary may only reach a certain level, do all that you can to become the best money manager you can be.

I love teaching people how to handle their money and I've built a brand on that skill.

We have to protect ourselves by doing our own homework.

Once you finish paying for college you could reduce your life insurance.

I write for people who are good money managers and want to know how to be even better stewards over their money.