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Letter "S" » Sheryl Garrett Quotes
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«For most of us, it took years to develop bad financial habits, and it will take at least the same amount of time to create the good habits we want. People spend more time planning their annual vacation than discussing their personal finances. That's not healthy, especially for newlyweds.»
Author: Sheryl Garrett
«I think people are reluctant to talk about money because there's always a scorecard--a bank statement, a credit report, a pay stub--and if you screw up, it's right there. But with sex, it's easy to be Don Juan or Donna Juanita. I think the record of past transgressions in black and white is why money is our last taboo.»
Author: Sheryl Garrett
«There's nothing finite or tangible about an electronic transfer or use of a credit card. We don't feel the pain of parting with our cash, but we still get the high from making a purchase.»
Author: Sheryl Garrett
«I like to use cash, and I recommend it to others. I'm a big fan of envelopes and putting aside cash for specific items. If the 'dining out' envelope has only $12 left near the end of the month, you know it's time to stay home and open a can of soup.»
Author: Sheryl Garrett
«What you can't see, you won't spend foolishly.»
Author: Sheryl Garrett
«Don't fall for the pitch '15 months is as good as cash'?even if you have lawn furniture in your living room. Retailers know that most customers won't pay in full within 15 months, and they'll be charged interest from day one. So, if you sign up for such a plan, be sure to put one-fifteenth of the full payment in a special account each month and pay in full at the end of the interest-free term.»
Author: Sheryl Garrett
«Newlyweds make decisions that affect each other. Young couples need to think about the unthinkable. If you have assets that you want your spouse to keep if you die, you need insurance.»
Author: Sheryl Garrett
«Both spouses need to be on the renters or homeowners policy.»
Author: Sheryl Garrett
«I'd want to be sure that I've got adequate insurance for the sake of my loved ones.»
Author: Sheryl Garrett
«Lending practices have become so aggressive that many people are qualifying for mortgages above and beyond the old guidelines. I think the total house expense shouldn't exceed 28% of net income, and the mortgage plus other debt such as a student and car loan shouldn't be more than 36% of gross income.»
Author: Sheryl Garrett
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