Can’t afford to make an extra payment? Do this, instead.

Mortgage rates are the lowest they ever been in American history right now, but interest paid is still almost always money lost, right? Here’s the fix. I have known the tip of “make 13 payments” for ages, but I’ve never had an extra payment just lying around to pay as a lump sum, so I [...]

Freeze your credit reports for free directly from your phone. Here’s how and WHY you need to.

Did you know that the three credit bureaus (Equifax, Experian, and TransUnion) are not government entities… they’re for-profit companies that aggregate your personal information and sell it to others? Point blank period. So, they don’t really care what happens to your identity…because they’ve already got theirs. Okay sure, we can fine them millions of dollars [...]

PSA: Don’t fall for those ”sexy” investing articles. It is entertainment, not investment advice.

Blockbuster and Netflix.Any stockholder and Apple.That one guy and Bitcoin.Like… what’s the actual point, here? There’s a LOT of sensationalism in investing and personal finance because it’s sexy to win and shameful to lose…but have you asked yourself if all this noise is purposeful?Blockbuster would have taken a huge gamble to buy Netflix because the [...]

How I turned auto loan “denials” into “approved” without a down payment.

When Jay and I were newly dating and neither of us had any cash, nor any credit, but we were in need of a second car... we were at a crossroads and we had to do something. Here's my crash course on finance/lending that turned our situation around.

Here’s 5 ways that I plan to save my money in 2020

Let’s stop feeling broke in 2020, mkay? If you’re off work or just hanging out between Xmas and NYE, then use this weekend to sit down and think things through. Here’s some things I’ve created a plan to save for in the new year. -Christmas: I’m putting $60 a month aside for holiday spending again [...]

Even if you’re not job hunting, you should be.

Everybody tells you "don't quit your job until you have another one lined up"....however, even if you're NOT currently job hunting, you should still be looking for jobs. Why? There's many reasons...here's three: 1. Complacency: At the end of the day, you work for a paycheck and the employer gives you a job because they [...]

I won’t be buying you a gift this year.

We will not be participating in the holiday spending frenzy this year, and truthfully... idgaf if anyone judges me for it. I really don't.   Here's a breakdown on how Christmas has intersected with my financial stability (and financial instability) over the last 5 years, and why we aren't participating.   They say that a photo [...]