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Thierry Godard

Home Buying, Savings and Budget Expert

Thierry Godard is a former Editor at SmartAsset who writes on a variety of personal finance issues. He is an expert on topics including home buying, saving money and budgeting. Thierry has a degree in Journalism from CUNY Baruch College.

Posts by Thierry Godard:

by Thierry Godard May 21, 2018

DJ Shadow stated in late 2012 that “we are living in a musical renaissance.” In that same year, the genre commonly known as electronic dance music was valued at an estimated $4 billion worldwide. 2012 also saw the establishment of The Association For Electronic Music, the first new lobbying group in over 50 years. The last was formed in 1958 for country music. One year later dance music legends Daft Punk, who rose to super stardom by reintroducing Chicago house music to the world, broke Spotify’s streaming record with 27 million plays of their hit single “Get Lucky.” Read more

by Thierry Godard Dec 04, 2017

Growing up in Brooklyn you learned a few things early on: Look both ways, twice when crossing a street. The thing you most want in a gumball machine never comes out and milk money and your red and white Dime Savings Bank envelope were due on Wednesday. That was the secular holy trinity of my youth. The first kept you safe from harm, the second reminded you that sooner or later persistence pays off and the third, well that was a financial double play. Milk money was your lesson in bill paying for the penalty, for failure was the humiliation of having to drink water from the water fountain. But the white envelopes with the red printing that said Dime Savings Bank was something else altogether. Read more

by Thierry Godard Mar 14, 2018

Imagine there is a knock on your front door and when you answer a complete stranger says I want $3.23 and I’ll be back again tomorrow for another $3.23 and the day after that, in fact I’ll be back every day for the next 5 years for my $3.23. You would probably slam the door in his face and maybe even call the police. You would be even more upset the stranger demanded $9.40 a day and you might be driven to rage if he insisted that you fork over almost twenty bucks a day! Still if you are an average American with less than outstanding credit you are giving away $5, $10, $20 or more every day to complete strangers. Read more

by Thierry Godard Feb 23, 2017

Home insurance reassures homeowners that they and their homes are protected from harsh weather and accidents. However, many don’t fully understand the extent to which their policies can provide help… Read more

by Thierry Godard Feb 12, 2020

In an article, a financial columnist wrote about how it was possible to put away thousands by saving rather than spending $5 for a cup of coffee or some other frivolous item.  That can add up to… Read more

by Thierry Godard May 13, 2015

Mortgage rate sheets can look intimidating and ominous, not only to consumers, but to mortgage professionals as well. In today’s market, mortgage rates not only change daily, but are based on many… Read more

by Thierry Godard Oct 11, 2019

After you retire, your cost of living will likely decrease. This is a good think for most people. While everyone’s situation is different, in many cases, there is a noticeable decrease in how much… Read more

by Thierry Godard Feb 03, 2017

Even if you have bad credit, restrained finances, or you’ve recently gone through a messy foreclosure process, it is still possible to turn homeownership into a reality with the assistance of a… Read more

by Thierry Godard Dec 18, 2014

When financial experts say that your home is an asset, they are not kidding! Imagine turning your home into a pension while still residing in it as long as you can? Well, it’s possible. Read more

by Thierry Godard May 18, 2018

Shopping and banking online occur constantly in the Internet marketplace. Unfortunately, online fraud and identify theft occurs just as frequently, thanks to clever thieves and sloppy consumer… Read more

by Thierry Godard Jan 13, 2016

Studies continue to show that getting a college degree has positive effects on job opportunities and future earnings. That said, higher education is proving to become a luxury. With the cost of… Read more

by Thierry Godard Dec 18, 2014

Have you ever felt undervalued, under-paid, or just underappreciated for the effort you put into your work? While you’ve certainly heard of the Type A personality, and about the habits of highly… Read more

by Thierry Godard Dec 18, 2014

In matters of personal finance, debt can basically be divided into two types: long term and short term.  For accounting purposes, any debt less than one year in repayment is short term.  Being… Read more

by Thierry Godard Dec 22, 2014

Here’s the thing about life insurance: you don’t really need it.  Seriously.  Whether or not you have it will have absolutely no effect on you whatsoever.  When your time comes, you will die; that we… Read more

by Thierry Godard Dec 18, 2014

You’ve filed your income tax return and put another year tax year behind you as you wipe the sweat from your brow. The relief that you survived a visit from the tax man is tempered by a deeply seeded… Read more

by Thierry Godard Jan 02, 2015

Congratulations! You’ve got yourself a first date with someone that you’re interested in. That’s great! What’s not so great though is your bank account. Don’t fret here are just a few cheap first… Read more

by Thierry Godard Feb 13, 2020

According to  Statisticsbrain, data compiled from the Federal Reserve, the US Census Bureau, and the IRS the average American household has approximately $3,800 in a savings account, 40% are not… Read more

by Thierry Godard Dec 18, 2014

Once upon a time there was a young man who was working full time while also going to school. He was making good money for a kid that age, and although he was paying his own way through school, he… Read more

by Thierry Godard Jul 24, 2018

Have you thought about what type of lifestyle you want to have during retirement? It’s time to start thinking about it, and what type of financial decisions need to be made to help you lead the life… Read more

by Thierry Godard Mar 14, 2018

William Shakespeare said it best in his most well-known play, Hamlet: “To thine own self be true.”  This most excellent advice applies in most areas of our lives, including the realm of personal… Read more

by Thierry Godard Mar 14, 2018

According to Teresa Wiltz of the Guardian the US has become a nation of freelancers. While freelancing has always been a part of the American economy, the high unemployment rate forced many people to… Read more

by Thierry Godard Jan 02, 2015

Remember being a kid in grade school or high school as the weather began to warm up, the days got longer, and you became antsier? The anticipation of summer vacation was near, and whether you had no… Read more

by Thierry Godard Jul 05, 2018

Having fun on a tight budget can be tough especially if you live in a big city or anywhere where a lot of traveling is required. However, we found 12 ways anyone – families, friends, couples, or… Read more

by Thierry Godard Dec 17, 2014

Moving back home with your parents may be a little embarrassing, but it is an increasingly common choice for American 20-somethings. As recent college graduates they may need a place to stay while… Read more

by Thierry Godard Dec 17, 2014

Attitude has a lot to do with an individuals’ financial decision making and their financial  situation. However, there are a ton of factors that influence a person’s attitude including their emotions… Read more