How Credit Favors the Wealthy – and Preys upon the Poor

I check my credit report pretty religiously on Credit Karma. Why do I check it so frequently, you? Ohh, I'm not sure. I'm bored? I'm a nerd who actually finds it kind of fun to track? Yeah, both of those reasons are pretty accurate. One of the items on your credit report is derogatory marks: My derogatory marks on Credit Karma. Way to go, me. I never paid much attention to this item - probably because, as…

Continue Reading

How to Find Cheap Flights to Anywhere

In just two short weeks, I will be on a plane headed to Europe. And I will have paid almost nothing for that ticket. In this post, I'm going to cover how you can easily find cheap flights to anywhere. It seems like there is still a lot of misconception around these trips. People seem to think it's too good to be true or that they could never do it. It's probably much easier to…

Continue Reading

How Credit Cards Could Help You Reach FI

Financial independence is a central theme of this blog because it's such a powerful concept. And guess what? Credit cards can help you get there. Of course, I always have to qualify these statements by saying that credit cards are not without risk. I'd be remiss to recommend even more cards if you currently hold the average household credit card debt of $8,6836. Your focus in that case should obviously be paying down debt, perhaps…

Continue Reading

Credit Cards and the Credit Conundrum

Let me preface this post by saying that I am definitely not perfect - and that includes my finances. For example, I am currently leasing a car. I have my reasons for that, but it admittedly is not helping my path to FI. I also go to restaurants several times per week. These are things I need to improve. I'm pointing this out because I have heard that people reading personal finance blogs sometimes get…

Continue Reading

Credit Card Rewards: An Update

In an earlier post about credit cards, I talked about their pros and cons. Additionally, I touched upon the rewards of which I am currently taking advantage. Well, I am always looking to make improvements to my finances. I like to think we're all a work in progress to some extent. And, since I no longer have any interest-accruing debt, I have started to dive deeper into credit card rewards. I've already started to make…

Continue Reading

Google Pay App: More Than Just a Gimmick

How many of you have experienced this: you pull up your credit card statement online and immediately notice some transaction you don't recognize? Luckily, the Google Pay app can actually help with that. I've had unrecognized transactions a few times, and I know I'm not the only one. Sometimes when that happens, it could be that it's something you really did buy. Yours truly is guilty of that. Other times, though, try as you might, you…

Continue Reading