Turn down offers for new cards or credit line increases on your current cards. Credit's tight, and chances are, you're not getting many offers anyway…

- Jean Chatzky

Unless you have multiple accounts that you need to negotiate and you think the project is just too big to tackle on your own, you're better off just …

- Jean Chatzky

By definition, saving - for anything - requires us to not get things now so that we can get bigger ones later.

- Jean Chatzky

If you're filing bankruptcy, you will likely want to hire an attorney. But for debt settlement, a company is sufficient, or as I said, you can often …

- Jean Chatzky

If you default on an unsecured debt, you won't lose anything (except points on your credit score).

- Jean Chatzky

When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to mortgage debt, you are…

- Jean Chatzky

A little personality goes a long way.

- Jean Chatzky

Don't let the fact that you're spending time getting organized result in late fees on your credit card bills.

- Jean Chatzky

Take the cards out of your wallet. A debit card is accepted just about everywhere that credit cards are, and you'll be spending money you have - alwa…

- Jean Chatzky