Jean Chatzky Quotes

People spend the money where the money is. Nightmare never goes away.

Credit or debit cards, for starters, are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money, we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.

I'm a very considerate spender. I'm a shopper, and I do spend money, but I think about it first.

Consumers, when they've only got a couple of quid left in their pockets, are choosy about how they want to spend it.

The amount of money that people spend on saving stuff, they try to feed you this idea that it's more important.

Expenditure--like ugliness and errors--becomes a totally new thing when we attach our own personality to it, and measure it by that wide difference which is manifest (in our own sensations) between ourselves and others.

If you want to spend more money in restaurants, use credit cards more than cash. If you want to spend less, use cash more than credit cards. But in general, we can think about how to use the pain of paying and how much of it do we want. And I think we have like a range. Credit cards have very little pain of paying, debit cards have a little bit more because you feel like today, at least it is coming out of your checking account, and cash has much more.

We can think about how we reduce the pain in paying. So, for example, credit cards are wonderful mechanisms to reduce the pain of paying. If you go to a restaurant and you are paying cash, you would feel much worse than if you were paying with credit card. Why? You know the price, there's no surprise, but if you're paying cash, you feel a bit more guilt.

When you're rich, you don't write checks. Straight cash, homey.

Think what stupid things the people must have done with their money who say they're 'happier without'.

We're actually trying to develop an iPhone app, now that the Droid is out, we'll do it for that as well, if we ever learn how to program on this thing. But the idea is that to make money concrete. So, you can do this app, and it's not out there, but you can do the app. And you say, "I like vacation in the Bahamas, shoes, lattes, and books." And now, when you are tempted to buy something, that thing translates in terms of the things you are interested in.

Nobody spends somebody else's money as carefully as he spends his own.

To be extravagant you need money. True. But you do not need your own money.

Writing a check separates a commitment from a conversation.

Who among us would ask our children for a loan, so we could spend money we do not have on things we do not need?

It isn't what you earn but how spend it that fixes your class.

If you think of people as making decisions actively, every time we think about the cup of coffee, we say, "How much will I enjoy the cup of coffee, what else could I not do in the future because I buy this cup of coffee?

When you speak to a man or a woman about money, they will use water visualizations. For men, it typically is a river. Money comes in; money goes out. The level rises; the level sinks. For women, when you talk about money, to her... it's a pond. It's a set amount. She husbands it, and it typically goes in one direction... which is down.

I'm not careful with my money at all these days. I buy people a lot of dinners!

I never believed that one big bill is the way to go.

Money are very difficult to think about. So, we think about money as the opportunity cost of money. So, we at some point went to a Toyota dealership and we asked people, what will you not be able to do in the future if you bought this Toyota?

More people should learn to tell their dollars where to go instead of asking them where they went.

The secret of the difficulties of those people who make a great deal of money, and yet are always in want of it, is this-they throw it away as soon as they get it on the first whim or extravagance that strikes them, and have nothing left to meet ordinary expenses or discharge old debts.

All the messages our kids are getting is money-taking, not giving.