Jean Chatzky Saving Quotations

In money, and in life, you are very often your own worst enemy. You promise yourself you're going to diet, then eat not one or two French fries but a whole plate. You decide to really commit to saving for retirement, only to wind up with a new pair of shoes in your closet.

After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.

I know it's exciting to get an item on sale. But if you're buying for the discounts and not because it's something you need or want - either for yourself or for a gift - you're going about things the wrong way. Think of it this way: Saving 30% is great, but if you didn't buy at all, you'd be saving 100%, which is even better.

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

In fact, the bigger the bill, the less likely you are to spend it. If you want to really save money, spend only cash and carry only fifty-dollar bills.