Benjamin Franklin Quotes

When you get to college, they're never teaching you how to start a credit line or get a loan on a car, things of that nature.

You don't need credit.

I have always advocated doing everything possible to pay off credit card balances; it's good financial management and the ticket to a strong FICO credit score.

When you borrow money, you should always think how you're going to pay it back.

When I bought my first house I had all these red flags on my credit report because I bounced a bunch of checks to places like Pizza Hut and stuff like that for $13 or $15 because I was trying to feed my O-linemen.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

No man's credit is as good as his money.

If you're not staying on top of your money, you are putting your financial well-being at risk.

Studies indicate that most of young adults struggle to grasp even the most basic financial principles that will allow them to manage money and prepare for their future.

If you don't have the money management skills yet, using a debit card will ensure you don't overspend and rack up debt on a credit card.

High bankruptcy rates, increased credit card debt, and identity theft make it imperative that all of us take an active role in providing financial and economic education during all stages of one's life.

Many kids come out of college, they have a credit card and a diploma. They don't know how to buy a house or a car or health insurance or life insurance. They do not know basic microeconomics.

What this country needs is a credit card for charging things to experience.

A man needs credit. Especially when he has no money.

Once kids get older, the list is longer. So here goes: Stay out of debt. Sometimes debt is necessary, to buy a home or to get an education, but not to buy a sweater or to eat out.

Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.

I say all the time I think there should be some courses in the regular schooling system that isn't, even like about credit, things that matter later in life. I learned the harder way: 'Look, I got a $500 credit card in the mail, let's go shopping!'

I'm careful with money.

People used to ask me for advice, and I'd say, 'Please, don't ask me!' Yes, I did economics at Oxford, but that's not the same as having a broad knowledge of personal finance.

I can inspire people on how to use money, how to get economically powerful.

Since having kids, I am more careful about saving rather than splurging. I used to spend all my money on trainers and high heels that I couldn't walk in.

The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.

Let us all be happy, and live within our means, even if we have to borrow the money to do it with.

Credit is an 'I love debt' score.

Make this the year you tackle that credit card debt once and for all.