Credit


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 […]


Don’t Let Your Credit Score Ruin Your Life 3

Hello Sophisticated Spenders! This picture is worth a thousand words.  Maybe closer to 200 words (the length of this blog post). Having a low credit score can cost you dearly! Don’t let your credit score ruin your life! Here are 5 ways your credit score can make your life harder […]

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The Ashley Madison Guide to Online Privacy

Hello Sophisticated Spenders! Everywhere we look there is a new data breach in the headlines. I thought the Federal Employee data breach was huge but the Ashley Madison data breech has taken the cake. For those of you who have been under a rock have no idea who Ashley Madison […]


Fix Your Credit Report Now! 2

Hello Sophisticated Spenders! This year I’m participating in The Live Richer Challenge. This challenge was created by a friend, Tiffany the Budgetnista. The last few days of the challenge have been awesome. Last week was all about fixing your credit report. I remember completing all of these steps back in […]


Year To Date Credit Card Spending 2014 2

Hello Sophisticated Spenders! I was cruising through my credit card statement and was curious on what I’ve spent so far this year. It was CRAZY! Since Jan 1, 2014, I’ve spent $46,462.82! Crazy right? Here are the categories (in my Alex Trebek voice-I love Jeopardy!): Merchandise & Supplies: $20,300.99 Travel: […]


Do You Know Your Credit Score?

Hello Sophisticated Spenders! To carry on with the credit card theme of the week, I’d like to ask you an important question: Do you know your credit score? It is VERY important to check your credit score at LEAST once a year to make sure everything is going well. With […]


What’s Your Credit Card Strategy? 1

Hello Sophisticated Spenders! I have to admit, I cringe a little when someone says, “Oh, I don’t use credit cards!” or “I used to have credit cards but I cancelled em!” Why?????????? I think credit cards are awesome! Not using a credit card can actually be a bad thing because […]


5 Ways To Use Your Credit For Good 2

Hello Sophisticated Spenders! My credit card strategy is pretty simple: Use Your Credit For Good! I cringe when I hear people say, “I’m doing good with my money because I don’t have any credit cards.” I also cringe when I’m out with friends and I see them pull out their bank or atm cards to pay for […]


Don’t Let Your Credit Score Ruin Your Life

Hello Sophisticated Spenders! This picture is worth a thousand words.  Maybe closer to 200 words (the length of this blog post). Having a low credit score can cost you dearly! Don’t let your credit score ruin your life! Here are 5 ways your credit score can make your life harder […]