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Something You Should Know about Credit and Debt

Keeping Up With The Jones's

April 5, 2013

 

Interview with Shira Boss, author of the book Green With Envy: A Whole New Way to Look at Financial (Un)Happiness

 

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Mike Carruthers:
Never being satisfied, always wanting more, trying to keep up with the Jones's - whatever you call it, it may be human nature.

 

Shira Boss:
I think it's human and even animal nature to want to be the biggest and best on the block type of thing - it's part of the American dream - it's all based on doing better, constantly.
 
Shira Boss

Are You Going Into Debt To Buy Christmas Presents?

December 17, 2012

 

Interview with Mary Hunt, author of the book Debt-Proof Your Christmas: Celebrating the Holidays without Breaking the Bank

 

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Mike Carruthers:
Spending discipline... it often flies out the window this time of year because, well, we need to buy Christmas gifts for people.

 

Mary Hunt:
Let me ask you a question: “Tell me what you received for Christmas last year?" Yeah, see people don't remember, so why in the world should you buy a gift now that you're going to have to pay for for the next twenty years, when the person you give it to isn't even going to remember?
 
Mary Hunt

Why Couples Fight About Money

November 28, 2012

 

Interview with Deborah Price, author of the book The Heart of Money: A Couple's Guide to Creating True Financial Intimacy

 

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Mike Carruthers:
Money is probably the biggest reason couples fight. So why is that?

 

Deborah Price:
We’re very wired to react and be irrational and illogical when it comes to money because it’s a core survival issue.
 
Deborah Price

Your Beliefs About Money

November 15, 2012

 

Interview with Patricia Aburdene, author of the book Conscious Money: Living, Creating, and Investing with Your Values for a Sustainable New Prosperity

 

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Mike Carruthers:
Have you ever stopped and really thought about your beliefs about money?

 

Patricia Aburdene:
It’s important because your values and your beliefs about money shape your choices. And your choices write the story of your life and of your financial life.
 

Dealing With Personal Debt

October 25, 2012

 

Interview with Jo Anneh Nagler, author of the book The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All

 

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Mike Carruthers:
We have a personal debt problem in this country.

 

Jo Anneh Nagler:
The most interesting stat is really that the average credit card debt per household is $16,000 with 40% of low and middle income households relying on credit cards to meet their basic day-to-day needs.
 
JoAnneh Nagler

Simple Answers To Financial Questions - Part 2

May 31, 2012

 

Interview with Jack Otter, author of the book Worth It ... Not Worth It?: Simple & Profitable Answers to Life's Tough Financial Questions

 

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Mike Carruthers:
When you rent a car should you buy the extra insurance just in case?

 

Jack Otter:
The fact is the vast majority of people don’t need that insurance it is redundant. If you own your own car then you’re insured for driving that rental car.
 
Jack Otter

Simple Answers To Financial Questions

May 30, 2012

 

Interview with Jack Otter, author of the book Worth It ... Not Worth It?: Simple & Profitable Answers to Life's Tough Financial Questions

 

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Mike Carruthers:
Some common financial questions may seem complicated but the answer is actually simple. For instance should you buy or lease a car?

 

Jack Otter:
Most people are much better off buying because, among other things, it’s a lot more straightforward.
 
Jack Otter

The Lure Of The Bargain

May 28, 2012

 

Interview with Ellen Ruppel Shell, author of Cheap: The High Cost of Discount Culture

 

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Mike Carruthers:
When you go shopping, all kinds of psychological tools are being used to get you to buy. Shopping carts for one…

 

Ellen Ruppel Shell:
Shopping carts were controversial when they were introduced in the supermarket. Men didn't like shopping carts because they thought they were feminine and women didn't like shopping carts because it reminded them of baby carriages.
 
Ellen Ruppel Shell

The Cause & Cure Of Money Trouble

April 26, 2012

 

Interview with Gary Sirak, author of the book If Your Money Talked...What Secrets Would It Tell?

 

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Mike Carruthers:
60% of Americans pay off their credit cards every month.

 

Gary Sirak:
It’s the 40% that don’t that’s the big problem. And I can’t tell you Mike how many people walk in this office with huge credit bills and have no clue how they’re going to pay them off.
 
Gary Sirak

Do You Know Your Credit Score?

February 2, 2012

 

Interview with Stephanie Skaggs, Founder of Top10Financing.com

 

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Mike Carruthers:
Having a good credit score and history requires more than just paying your bills on time.

 

Stephanie Skaggs:
You need to be very conscious of who is checking your credit because a number of credit inquiries can actually reduce your scores.
 
Stephanie Skaggs

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