Pro-Tip #30: Put Netflix on Your Credit Card

One way to boost your credit score is to regularly use your credit cards and pay them off—in full—every month. You can use your card for all your gas purchases (highly recommended), but you can also put small, recurring charges like Netflix or Hulu on your card. It’s cheap, but it shows use of the card and, as long as you pay it off monthly, will show credit companies that you’re great at paying off what you use in credit.

For more credit tips, check out our credit guide (link).

anonymous asked:

I'm 4500 in credit card debt, how do I pay it off and still save money on minimum wage?

Your number one priority should be paying off that debt. Savings are great, but they mean nothing if you have debt to negate them. If you really want to do both at the same time, start by making monthly payments on that debt. If you want to actually pay it off, pay more than the minimum. Then set aside a little bit in savings every month. Do your monthly budget and figure out how much you can set aside to both your debt and your savings and really go all in right away and get that nonsense out of the way so you can really start saving.

annabelleinwonderland asked:

Whats the best way to earn some money as a student? Or best ways/tips for saving up? I really want to buy a camera before I start college in the fall!

We have written a few blogs ways to save/earn money as a student. Here are some links that might be helpful to you:

5 easy (and realistic) ways to save money in college

3 Tips for working during college

8 clothing discounts for college students

8 ways to save on school supplies

More about the money: Saving and investing in your future

Meet Budget and Credit…your new best friends

Money saving tips for students

7 jobs you should try in college

Investing and Budgeting those coins ;)

So I made a post about the wardrobe for my plus size babies, but now I want to make a post that is important for all sugar babies and sex workers alike to educate themselves on. The power of investing and budgeting your money. Let’s talk finances (hooray lol). Okay, so you have your allowance or whatever monetary transaction, now what do you do? Well, of course you should treat yourself because shit, you damn well deserve a little glitz and glamour in your life. But after that sweet tooth is satisfied what do you do with your earnings?? 

I am not going to tell you what you should do with every nickel and dime. However, it is extremely important that you make your earnings work for you in the longer term. Pay off any debt, pay your bills on time, improve that credit score, budget your money for the week/month, save, and finally invest. Turn your hobbies or passions into reality. Let the money you receive from these men or women be something that you can comfortably live off with ease in a few years. Be that person who has the ability to hop on a plane at any moment, be able to drop money for any vices, or simply if an emergency arises be able to handle your damn business!!! (This lifestyle is not all glitz and glamour…but I will talk about that again later).

Below I have attached “MY” top 5 go to books that will help equip you with basic and important knowledge about your finances. There are plenty of books out there but these are ones that I often reference because they are easy to follow and provide a lot of practical and step by step guidelines and/or advice. Please educate yourself ladies and gents! The goal is to work smarter not harder. 

-The Intelligent Investor by Benjamin Investor

-The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle

-The Money Book for the Young, Fabulous & Broke by Suze Orman

-Think and Grow Rich by Napoleon Hill

-The Millionaire Next Door by Thomas J. Stanley and William D. Danko



Help me out please...I’m desperate

 I don’t have money to pay for my tuition this fall. Moving out of state with my grandma to get out of a toxic home environment is draining all the money I have. Even with working full time and having financial aid I’m still $9000 short and would be so grateful if you could all help me out…..please - I can’t keep pushing my degree back…..anything helps so please please if you can help I’ll be eternally grateful.

anonymous asked:

Why is everyone telling me i NEED to get a credit card to "build credit"? I have federal student loans (which do build credit iirc), and no income. Still in school, obviously looking for a job/internship but even applying for a credit card seems stupid when I lack a reliable way to pay it off anyway.

I like you, anon. You sound like you have your head on your shoulders. I agree, you shouldn’t be using credit if you don’t have any way of paying it off. Doing so would actually hurt your credit, because a huge part of it is the amount you have borrowed in relation to your income.

Foolish Financial Decisions You Don't Want To Make

Let’s face it. No matter how smart we are (or think we are), we are all prone to making mistakes with our money. In honor of April 1st, here are some of the most common foolish financial decisions people make:

1) Spending money you don’t have on things you don’t need to impress people you don’t like.

2) Chasing investment returns.

3) Paying for credit monitoring.

4) Using “average” assumptions in your retirement planning.

5) Having too much money in one stock.

6) Bailing out of stocks while they’re low.

See the full list here.

Apparently I'm exceptional.

I just called my Discover credit card to discuss lowering my interest rate. She called me an exceptional borrower and said I already qualify for a promotional offer of 0% interest for 12 months. It was 17.99% (but a great card nonetheless)! No hits on my score, no negative account points, just a great offer since I’m smart with my credit.

I call this an A+ start to a rainy Monday!! Interest sucks!!

anonymous asked:

Hey I was reading through the grocery shopping guide (thanks btw!) and I couldn't find the answer to a question of mine: How do you know what good prices are? Or bad prices? What are the average prices for things? Thanks for all you guys do.

The Bureau of Labor Statistics has this for common foods, based on region (link).

Once you start shopping more often, you’ll get to know what’s a good price and what isn’t. If you look through the advertisements that come in the mail, you can also determine the best place to buy something.

averysmartbowlofoatmeal asked:

So as of last week I'm off work because of my health (I now can't stand for long periods of time without passing out) do you know of any ways I can be making a little income to pay some bills while I'm getting treated?

How To Make Money From Home (For Beginners)

I went over this a little in this post, but I can make a list of recommendations since I do a fair amount of work from home. Keep in mind that I found a few things that worked well for me off the bat and had a full-time job on top of them, so I cannot personally attest to the success of all of these. But I’m going to list to a bunch of resources to help you figure out what works for you rather than specific jobs.

What Kind of Jobs Are There?

In terms of working from home or earning passive income, I would recommend:

  • phone, email, chat, or social media support
  • direct sales
  • data entry
  • search engine and website evaluation
  • transcription
  • freelance writing, design, photography, etc.
  • virtual assistant
  • eBay/etsy seller
  • surveys
  • mystery shopping
  • blogging
  • social media management
  • writing ebooks
  • mechanical turk

Bolded items are the jobs I’ve personally had. 

I really like Fiverr for design work and writing Kindle ebooks (I’m hoping that’ll be my primary income by the end of the summer). And even though it’s tedious work, I think transcription is very reliable once you make good connections. Amazon’s Mechanical Turk and similar services like odesk are also good for tedious unskilled work that can only be done by human beings, like transcription, social media management, or proofreading.

Blogs and Resources

The links I included in my previous post provide a few employers or job posting aggregators for each of these jobs. This one in particular has picked out some of the most reliable work, and this post from the same blog has a good rundown of flexible schedule WFH employers/contractors.

I mentioned in that post about online work that if you’re in college, it would be wise to keep an eye on stay-at-home mom blogs. As a student, you’re working with roughly the same amount of work experience, education, and available time as a mommy blogger. 

I’ll probably talk about mommy bloggers a lot, but that’s because they know their shit when it comes to making passive income online. The blog I linked to above also has a post about how teens can make money online, which would definitely be a great post to check out if you don’t really have a lot of experience or employable skills.

I have quite a few masterlists on my Work At Home Jobs Pinterest board, but here are some blogs and resources for getting started working from home:


I know that Reddit is a cesspool of awful, but I use it a lot for getting useful information about some of my freelance work. In particular, these subs may be useful to check regularly:

These subs have a lot of great information about getting started working from home or being a telecommuting entrepreneur. 

If you’re just looking for easy passive income to get a couple hundred a month, this post on /r/beermoney is a good rundown of the most popular online gift card and minimal income providers. Each of the subs has some kind of FAQ/Getting Started post pinned so definitely start there to see what your options are.

Writing Smut

If you’re looking to get into writing erotica for Kindle, your first stop should be /r/eroticauthors/ as I noted in my blog post about getting started in the genre. (Tumblr-rebloggable post here.) 

Do you read/write fanfic? This is a pretty good route to take. It takes a little SEO knowledge and market research, but once you hit the right market you can make five figures a month. I’m serious.

I hope this was a good starting point! cc: averysmartbowlofoatmeal


When ignored, economic differences can cause awkwardness and resentment. Here are some steps you can take to soften the blow of the most common interactions surrounding money.

This isn't a bad thing, but I am seriously obsessed with balancing my money.

I made a super nerdy “2015 Finances” spreadsheet on Google Drive that has tabs at the bottom labeling all of my accounts. By August,  I really want to have my credit cards paid off because that’s when the advanced grad program gets downright disgusting. The less I have to work, the better. Aka the less debt/bills, the better. 

Luckily I had savings leftover post-taxes (I owed because of the money I won last year), so I was able to pay off all but two credit cards! I’ll be interested to see my FICO score next month on my Discover statement because of it. Although credit card debt sucks, it has been a lifesaver on more than one occasion knowing I have them in case of emergency. 

anonymous asked:

Im about to graduate and go to college. Is having a student bank account better than a regular one? (Btw im 18 and can totally make my own..just not sure)

YES. Student bank accounts are the shit because it’s the only time a bank will recognize that you are poor as mice and take pity on you by waiving some fees and minimum balance requirements. They also give your parents the ability to deposit directly into your account, assuming your parents are both kind and loaded. It varies bank to bank, of course, but these accounts are set up specifically for someone in your situation. The only downside is you have to open a different account later in life.