Get out of that line if your money ain’t looking right. First, let’s apply some basic logic when it comes to financing a phone. Many people finance their phones because the offer comes with 0% interest. On paper, that can be a smart move. Why pay…
And some other basic facts to help you make healthier choices — 1. Credit Limit Is Determined By… Generally, your credit score and history will determine how much credit you’re eligible for. If you have good credit, you will have better opportunities. When I got…
Here are some options on what to do next A friend asked for my advice regarding what they should do in their situation. Here are a few things they’re dealing with today: None of these factors make up the ideal situation to purchase a car. So…
Don’t allow your actions to conflict with your goals — Is Minor Shopping Harmless? They say “window shopping” is harmless, but is it? When you go to a grocery store without a list or set intentions, how often do you buy things you had no intention…
Most people would crumble. — I absolutely fucking love credit cards. They’re fantastic. They’re secure. They have tons of perks. And they’re super accessible loans when you want or need them. I didn’t get my first credit card until after I graduated college, and I’m glad…
Cars are tools, not trophies — treat them like appliances and your net worth will thank you. Buying a car is a perfect storm of advertising, identity, and urgency. Dealers speak in monthly payments; social feeds push status; lenders normalize longer terms that quietly inflate total cost. If…
Credit cards can build your future — or quietly destroy it. The difference is discipline Credit cards are powerful tools disguised as shiny pieces of plastic. They can elevate your financial reputation or quietly bury you in debt, depending on how you wield them. The secret isn’t…
The price of financial salvation requires short-term sacrifice If you’re drowning in debt, your car might be the anchor. You don’t need another budgeting app, side hustle, or prayer — you need to cut the liability that’s bleeding you dry. If your car forces you to stretch…
Build and Destroy at the Same Time. Everyone says, “Pay off your debt first.”I disagree. Contradiction can coexist. Rule 1: Build and Destroy at the Same Time Yes, interest is a waste of money — but if your expenses are low enough that the interest isn’t catastrophic,…
Stop Letting Debt Decide Your Lifestyle Imagine a world where financing didn’t exist. No credit cards. No car loans. No mortgages. No student loans. If you wanted something, you had to pay in full—cash only. How different would your life look right now? For most…
Break free from the cycle of mindless spending At some point, we’ve all spent money on things that held little to no value — often without realizing it. A quick fast-food meal, a random Amazon binge, a shirt that only gets worn once. None of…
If you’re buried in debt, “harmless” shopping trips are just fuel for the fire. Is Shopping Ever Really Harmless? People love to say “window shopping doesn’t hurt anyone.” But let’s be honest—how often do you walk into a store with no plan and walk out…