Credit & Debt


Getting Into The Millionaire Club Is Easier Than You Think! 1

Hello Sophisticated Spenders! People think millionaires are mythical people.  They think there are only a few ways to become a millionaire: Inherit the money Win the Lottery Have a hit record Play professional sports What if I told you that YOU (yes YOU my sophisticated spending friend), can become a […]

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Introducing the New Year New You Financial Summit

Hello Sophisticated Spenders! So I’ve been participating in a pretty cool Financial Summit. What is a Summit? It’s when a group of experts get together to teach you some pretty cool stuff.  It normally lasts 1 week and you hear from a different person each day. It’s a great way […]

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Meet Sandy Smith-The Periscope Princess!

Hello Sophisticated Spenders! I’d like to introduce you to my friend Sandy Smith. I have learned SO MUCH from her. She is fierce, does not bite her tongue and pursues her hustles with a bold fire that I hope to have some day. We met about 4 or 5 years […]


I Received A $500 Check From Wells Fargo And I’m Pissed (Part 1) 3

Hello Sophisticated Spenders! You’re supposed to trust your bank, right? Your bank is supposed to have your best interests at heart, right? Your bank isn’t supposed to cheat you out of money, RIGHT? Wells Fargo has failed me as a customer and here’s why: Back in 2011, I wanted to […]


Travel The World Without Getting Into Credit Card Debt 4

Hello Sophisticated Spenders! So I know a little something about travel. I actually got a late start. I didn’t leave the country till 6 years ago at the age of 32.  And I was immediately addicted. I’ve traveled to: Mexico (twice), Barbados (twice), Belize, Puerto Rico, Dominican Republic, Curacao, Dubai, […]

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How Are You Getting Into The Millionaire Club? 2

Hello Sophisticated Spenders! So this weekend, I was introduced as follows: Person A: I’d like for you to meet the Sophisticated Spender and she’s gonna be the next millionaire! Person B: Oh really! What’s your plan? Me: Blank stare for what felt like an hour-then my brain woke up and […]


How I Recovered From My 500 Credit Score

Hello Sophisticated Spenders! I wanted to give you guys a brief look into my crazy experience with credit cards. When I was younger, I messed up my credit score-BAD! It was VERY low, somewhere in the low 500’s. When I was 18, I got my first credit card. It was […]

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Avoid Bankruptcy! Here’s What Tisha Campbell and Duane Martin Did Wrong! 1

Hello Sophisticated Spenders! If you haven’t heard, there’s a new story about a celebrity going bankrupt. Tisha Cambpell-Martin and her husband Duane Martin. It’s both a sad and all too common occurrence. I started this blog to make sure this NEVER happens to you! Here’s what they did WRONG: the […]