Credit & Debt


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 […]


Road to Financial Four! Sweet Sixteen

Hello Sophisticated Spenders! March Madness is upon us and I’ve filled out the rest of my bracket. The road to the financial four isn’t easy. It’s ALWAYS a good idea to review your finances and priorities. I recommend you whip one of these out on your next date, at the […]


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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 […]


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 […]