You can legally record both phone and in-person conversations in New Jersey as long as one of the people in that conversation agrees to the recording of it – and it’s fine if the one person is you. State law makes the phone recording legal; and federal law makes the in-person conversation recordings legal. If you need guidance for your state, check the Digital Media Law Project website.
Digital Media Law Project tells us that New Jersey is a “one-party consent” law state as regards the recording of both phone and in-person conversations: