J.J. McCorvey

speaker

619 appearances 13 recordings 1 series first heard May 2021 last heard Jul 2022

J.J. McCorvey’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Managing Your Finances to Pay Rising Rents · 13 Dec 2021 podcast

But for some people, it just isn't possible or realistic depending on where you live. voice-verified

And so while you can strive for, you know, keeping housing costs at 30 percent, if you find yourself facing a rent increase or you're in a city where the cost of living is higher, then you can expand that and allow yourself some breathing room by accounting for rent as part of your overall fixed cost, which is the part of your budget that you know, which is going to be the same every month. voice-verified

And as long as that doesn't go over 50%, then you're good. voice-verified

So you can have more rent, for example, and then less utilities or another expense. voice-verified

And that way, you don't have to feel guilty or feel like you're doing something bad by having to pay a little more for your rent. voice-verified

So going into debt for rent wasn't a direct recommendation, but there are a lot of things that tenants can do before looking at that as an option. voice-verified

So the financial planners that we talked to, for example, suggested negotiating first. voice-verified

That's often something that people don't even think about when they have a rent increase or another budget line increase, that sometimes negotiation works and you can get a flat out no and voice-verified

But you won't know if you if you don't ask. voice-verified

And so rather than saying, well, you absolutely should not take on any debt to put a roof over your head. voice-verified

The rule is more generally exhaust other options and try to negotiate before you do that. voice-verified

Yeah, it would be. voice-verified

And, you know, a lot of people are obviously doing that. voice-verified

But financial planners we spoke to pointed out that moving has costs as well. voice-verified

So, you know, do the math, do the calculations and see if there's something that can be moved around in your budget to accommodate that. voice-verified

The rent increase and compare that to how much it might cost to move to that other apartment where you might be having to pay several months rent, including moving costs and paying the moving company, et cetera, et cetera. voice-verified

You know, it might be cheaper to just stay where you are and figure out how to do the numbers. voice-verified

WSJ Your Money Briefing · Open Enrollment: Weighing Health Insurance Coverage vs. Cost · 4 Nov 2021 podcast

The pandemic, people are still dealing with health issues. matched

You might have hospital bills or needing time off. matched

And there's also the fact that there's just different types of workplace benefits now, too, that you might not be aware of. matched

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