27 ordspråk av Sheryl Garrett

Sheryl Garrett

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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.

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.

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.

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.

What you can't see, you won't spend foolishly.

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.

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.

Both spouses need to be on the renters or homeowners policy.

I'd want to be sure that I've got adequate insurance for the sake of my loved ones.

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.

Try to remove as much emotion as possible from the housing decision. When considering a house, go through it room by room and make a list of repairs that need to be done immediately and then add things you'd like to do if money were no object. Be cautious and do the math.

Don't leap until you know exactly what you can afford and how you'll afford it. Stretch, but don't dream impossible dreams.

There are significant tax benefits to being married. In most cases, a married couple will pay less tax if they file jointly. The marriage penalty has been substantially reduced and generally isn't an issue until the combined income is $250,000.

There are about 1,100 laws that apply only to married couples that more than make up for the marriage penalty.

Parents seek to raise their children to be self-sufficient adults. If children can vote, drive, order a drink and go to war, why do parents feel obligated to carry the full financial burden of their college education?

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