Michelle Singletary Quotes
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So many people joke that life with me - a professed lifelong penny pincher - must be tough. But [my husband] is a great money manager. And he helps me let go of my fear of spending while still being frugal.
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Not all Trump supporters are bigots. They believe he had something to offer. I may disagree. You may disagree but we need to be civil to each other. Use the facts to make your point. I had read that the clothes made by some of the brands use sweatshops. Facts folks not feelings. We all have to live with each other and our choices.
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Having fun time is a good use of your money.
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You need to know everything. You both need to be comfortable with sharing everything. If you can't you are NOT ready to get married.
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I just don't like people taking debt into retirement.
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You are rich if you have enough to meet your most basic needs. You are rich if you have access to clean water, food, shelter, love, a roof over your head.You have to count your blessings to see that you are richer than you think.
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You don't need to waste money on a fancy program or app to do a basic budget. I've been using a simple Excel spreadsheet since 2005 to track my monthly budget.
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There are some dark days when I do receive some racist mail or emails. But overall the response to me has been very positive. Readers relate to me not just as an African-American, but as an American trying to make sense of her personal finance, just like them.
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Sometimes your gut is right. And sometimes not.
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A foreclosure does not define you financially.
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The schools can't cover all the values that go along with how you handle your money. For example, a financial literacy class might not teach me to hate debt the way my grandmother, Big Mama did.
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You'll feel better when you get all that debt off your back.
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My experience may be different than theirs, readers can identify with trying to save for retirement or their own kid's college fund. In truth, the name of the column, "The Color of Money," has less to do with my race than the fact that the color of money is green and it's green we all need to live a good life.
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If you haven't saved, your child may have to work. But do what you can to NEVER take out student or parent loans.
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I'm driving my old car until I'm on a first name basis with the low tow truck drivers!
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I use a "Debt Dash" approach to paying off debt. I recommend people focus on paying off the debt with the lowest balance first. So if the primary has less debt you would focus on that.
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You still need to save but being debt-free in retirement is and should be a goal.
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Many debt collectors offer a lump sum option so ask. And if you get it, make sure it's in writing and you keep the payoff statement FOREVER.
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If you'll have enough saved and nobody has to take on debt and you want to retire, shoot go for it.
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I write for anybody struggling to manage their money.
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[My grandmother] managed her money better than some financial professionals I know. I give credit always to her because she is the reason I have my column and national recognition.
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I write for people who are good money managers and want to know how to be even better stewards over their money.
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A smart couple with a healthy financial relationship is always talking about money and how they're handling it. If there's a medical emergency or a job loss, talk about it. If there's a windfall, talk about it. Your financial situation is a constantly changing thing.
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I love teaching people how to handle their money and I've built a brand on that skill.
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If we aren't careful, our children will come down with 'affluenza,' a disease that causes them to confuse wants and needs. We need to teach our children what my grandmother taught me: Think twice about spending money you don't have on things you don't need to impress people you don't like anyway.
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Remember life insurance is intended as income replacement to help dependents and or/spouse pay for things that your income would have covered. When you get to the point that you're dependents (Your kids mostly) aren't dependent on your income, you could reduce the amount of life insurance you are carrying.
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Money may not buy love, but fighting about it will bankrupt your relationship.
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You can't time the market.
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It's why this election was HORRIBLE. It was either Hilary is the devil and Trump a saint. Or Trump the devil and Hilary a saint. Can't we all have a decent, civil conversation without throwing "shade?"
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You shouldn't invest the money if you are looking to use it within five years. Too much risk.
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