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The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.
Michelle Singletary
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Michelle Singletary
Age: 54
Columnist
Financial Planner
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More quotes by Michelle Singletary
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.
Michelle Singletary
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.
Michelle Singletary
We have to protect ourselves by doing our own homework.
Michelle Singletary
You'll feel better when you get all that debt off your back.
Michelle Singletary
Priorities lead to prosperity.
Michelle Singletary
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?
Michelle Singletary
My rule is when in doubt hire a professional. You could do it just this year and then you have direction to resume doing it yourself after the consultation. What you don't want is to do it wrong and be hit by a huge tax bill. Remember the old saying, Don't be pennywise and pound foolish.
Michelle Singletary
You made a decision given your life circumstances and you have to be ok with that. Regrets that can't be change is just torturing yourself.
Michelle Singletary
A foreclosure does not define you financially.
Michelle Singletary
Having a separate fund for the things in life that happen, helps keep the emergency fund in tact in case you lose your job or income.
Michelle Singletary
The rich are depressed because they realize their money can't buy them out of their issues.
Michelle Singletary
Having fun time is a good use of your money.
Michelle Singletary
The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.
Michelle Singletary
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.
Michelle Singletary
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.
Michelle Singletary
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.
Michelle Singletary
No matter who is in the White House, I just keep doing what my grandmother taught me. Hate debt. Save. The best any of us can do really.
Michelle Singletary
There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.
Michelle Singletary
Set up rules for when you will give not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.
Michelle Singletary
I use my financial values to set my limitations. I have three children I want to put through college debt free. So that means I can't spend wildly or with disregard.
Michelle Singletary
