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Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt

Hi, it’s me again—your Good With Money Friend! It’s time for another case study. This time we’re talking about how to recover from past financial mistakes.

You guys really enjoyed our first case study. It tackled problems related to student loan debt, employment instability, and paying through the nose for rent in a high cost of living area. I’ve been hoping to do another one, but all of my friends’ most recent money issues have been too specific to their situations to be helpful to a broader audience.

Until now!

A friend reached out, asking for help repairing her damaged credit score. So she scheduled a 30 minute call with me to discuss her options, because I’m literally that bitch.

Obviously it turned into a ninety-minute call, mostly because I love the sound of my own voice. (Vocal fry ’til I die!) But really because the more we talked, the clearer it became that her credit score wasn’t her main enemy on the battlefield for financial stability. It was like a machine gun a mile away: an easy threat to identify, making a huge racket and scaring the shit out of everyone, but not actually that threatening in her present circumstances.

If you’ve struggled with debt, or you want to hone your Good With Money Friend skills, read on. Hopefully hearing about her situation will help some other folks!

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Sexual Harassment: How to Identify and Fight It in the Workplace

When I hear about our followers enduring sexual harassment in the workplace, I wish I had the power to turn into a centaur wielding a flaming sword. I would burst into their workplace to trample the sexist bullies under my mighty hooves. Then I’d destroy filing cabinets and computers and shit with my flaming sword just for good measure. And I’d do it all while screaming the Misogyny Speech at the top of my lungs.

Valkyrie on a pegasus, flying in to destroy sexual harassment.

In other words: I feel heckin’ strongly about workplace sexual harassment. It makes me a sad panda.

“Fighting back” or “doing something about it” is easy enough in theory. But when your livelihood is on the line, ending the harassment (and punishing harassers) gets a lot more complicated. It can affect your mental health, your physical safety, and your financial security.

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8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

8 Genres of Productivity Music (Plus Our Secret Stash of Personal Favorites)

Recently I collected my twenty-five best work from home tips together into one place, and I briefly mentioned my favorite productivity music. I didn’t go into much detail because I assumed everyone knew about the lofi study beats phenomenon. But I was pretty shocked! Lots of people mentioned that it was their first time hearing about it.

Readers, I’m sorry. We try not to hold out on you—but we often accidentally do! Our favorite tools are so familiar that we can’t comprehend life without them. And then we fail to adequately hype them.

Music is a super valuable productivity tool. If I’m trying to get shit done, the wrong soundscape makes time crawl by. I’m agitated and grumpy after twenty minutes. But the right productivity music helps me find my groove quickly and stay in it for much longer. Time glides by. Before I know it, my tasks are complete.

Today we’ll highlight eight productivity music genres, plus a bunch of our favorite compilations and tracks. Y’all best bring the goods and drop your favorite productivity beats in the comments!

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One Easy Thing All Allies Can Do to Help Close the Gender and Racial Pay Gap

1 Easy Way All Allies Can Help Close the Gender and Racial Pay Gap

If you’re a rad intersectional ally who wants to make life fairer for everyone, there’s one incredibly easy thing you can do—right now—to close the gender and racial wage gap. It has to do with pay transparency. It’s an incredibly powerful form of activism, and it can be done by almost anyone. Are you ready? Here it is…

Tell your coworkers how much money you make.

Especially women, people of color, disabled people, immigrants, and any one else who is part of a historically marginalized or exploited group.

And be specific and honest! No ranges, no euphemisms, just the exact number that appears on your paycheck. Don’t skip over any bonuses, raises, or other perks you’ve earned or negotiated, such as extra vacation time, remote work days, or tuition reimbursement.

Pay transparency is a tremendous boon to yourself as well as them. And we need it now, more than ever. Here’s why.

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Money is Fake and GameStop is King

Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds

This past week I spent significant time on our Tumblr fielding live questions about what in the fresh-baked hell was going on with Reddit and GameStop.

I tried to keep up with the news and do the Explain Like I’m Five in real time, but it was all moving too fast. David and Goliath were fighting, and David wasn’t just winning—he was feeding his fists to Goliath like they was ham sandwiches.

Eventually I decided to hold onto my butt with the rest of you and enjoy the pyrotechnics, committing to waiting for the dust to settle before I tackled #gamestonk from a Bitch-eye-view.

Is… is it over now? Is it safe to come out?

And what the hell just happened and why am I still laughing about it?

Note: be aware that some of the Reddit links in this story have offensive language. And if two women who CHOOSE to go by “the Bitches” are slapping a content warning on something, we mean business! In particular, they really love using the r-word as a term of endearment. So consider that before you click. Additional context in the comments below.

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How To Get an Abortion (Including an Affordable, Safe, and Discreet Self-Administered One At Home)

How To Get an Abortion

Sometimes Piggy and I feel like we’ve written about every topic under the sun. Then we realize we haven’t written a guide on how to get an abortion. And we realize that no, indeed, Bitches Get Riches has only scratched the surface of topics related to finance, feminism, and fucks not given.

Abortion access has a staggeringly enormous impact on finances, whether you count that from a personal financial level or a global economic level. Yet it’s one of the least talked-about subjects in this space.

As an Angry Internet Feminist®, I’d love nothing more than to burn bright with the flame of moral outrage and say it’s because people are cowards. But I actually think a lot of people are intimidated by the topic because it’s a genuinely complex one to research, with laws varying by state and changing all the time. But it’s that complexity that makes it such an important topic to share with you, our readers.

We dream of a future where there are no barriers for anyone to seek out this common, safe, and morally neutral medical procedure. But for many people throughout the world, that future isn’t coming quickly enough.

So today we’re going to walk you through how to get an abortion! Including information on how to self-administer an abortion safely, affordably, and discreetly if you live in an area hostile to reproductive rights.

Today’s discussion obviously mentions pregnancy loss. We also touch on the logistical challenges of managing unsupportive partners and parents, but it’s pretty tame. No gory medical talk; no sexual violence.

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The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

Much is made in personal finance circles about personal responsibility, attributing success and failure to a particular financial decision. Not in the weird, political, shaming-you-for-being-born-poor way, but in the here-is-how-you-game-the-system-to-get-ahead-now-don’t-we-all-feel-clever kind of way.

In many respects, it’s solid advice! We talk about how making decisions based on ethical consumption saves you money and the planet; how you should be mindful and careful of where your money goes, lest you waste it on shit you don’t actually like or need; how every day the choices you make affect your financial future in large and small ways!

For a bunch of money nerds, gamifying personal finance by connecting calculated decisions to building wealth is exciting stuff. I’m getting a little hot under the collar just thinking about it!

Oo-la-la, hit me with that strong ROI, baybee...
Oo-la-la, hit me with that strong ROI, baybee…

I’ve made some pretty big money decisions in my time. Some decisions were purely financial. Others were personal decisions with a big financial impact. Sometimes I chose right. Sometimes I really, really chose wrong.

Today I want to tell you about one of the biggest personal financial decisions I’ve ever made… and why I would never recommend it to anyone else.

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Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

“What is a down payment?” In an ideal world, no one would need to ask themselves this question because no one would need one! Expensive things like cars and houses and college educations would be a lot more affordable. Enough so that we could pay for them with the money that we already have. And we’d all have mountains of it.

But unless you have a Scrooge McDuckian money vault at your disposal, buying a car or house or bachelor’s degree in cash is probably impossible. Down payments are necessary because of how our world works. Today we’re going to teach you what they are, when you need them, and how to use them to your advantage.

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Be Somebody’s Eliza with a Simple Yet Life-Changing Act of Kindness

Piggy and I are going to take our annual short break. Running BGR is always hard work, but this has been one for the record books! We’ve absorbed a lot of confusion, panic, and sadness through our inboxes this year. So we’re going to do our best to unplug and mentally refresh ourselves with a nice long vacation.

… Hahaha psych! We’re gonna use that time to catch up on tedious admin work. If anyone tells you blogging is an easy way to get rich quick, kindly punch them in the chest. Aim for the heart.

It’s been a helluva year, y’all. I wanted to leave you with a story to contemplate over the holiday. Given how shitty everything has been, I felt compelled to make it a happy one. Or at least a hopeful one. In fact, I’m gonna give you the most hopeful story I’ve got.

Today I’m going to tell you about a person who changed my life.

It’s a true story about how our everyday actions have wider and deeper impacts than we can ever know. It’s a little star that’s always helped guide me, especially in moments of personal cynicism and despair. When I feel powerless, it reminds me I’m not. As we face a winter that feels magnitudes longer, darker, and more isolated than usual, I thought everyone could use a story like this.

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When I started freelancing, I bumbled around like a drunk baby panda until I fell into success by happy accident.

11 Awful Mistakes I Made as a Self-Employed Freelancer, and How YOU Can Avoid Them

A few weeks ago we introduced you guys to our new favorite term: “survival entrepreneurship.” It’s all the rage, now that mass lay-offs and unemployment in The Plague Times have forced so many of us to pivot into full-time self-employment. When you’re out of traditional employment options, survival entrepreneurship is often your only option.

That’s why we brought in Katelyn Magnuson, the Freelance CFO, to walk you through all the concrete steps you need to take to start your own business. If you missed our interview with Katelyn, go back and read it now. Because unlike your humble Bitches, she knows what she’s talking about!

Did you read it? Ok good. Now that you’ve heard from the professional business-starter, it’s time to hear from me, a decidedly unprofessional freelancer who has turned flying by the seat of her pants into a competitive sport.

Specifically, it’s time I told you all the freelancing and self-employment hacks I’ve learned through trial and error over the years. That’s right, kids…

Learn from my mistakes, children. And LEARN WELL.

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