I know what you're thinking. It can't possibly be this simple. But it is.

This Flowchart Tells You When You Need Extended Warranties

Is it my imagination, or are companies offering extended product warranties way more often than they used to?

Oh, I’m being coy. I know the answer—Portia reads the papers! 74% of electronics shoppers and 85% of appliance shoppers get the extended warranty pitch during their shopping experience.

Whether in-person at Best Buy or online at Amazon, it seems like every purchase now comes with a suggested extended warranty. And it’s not just for computers and smartphones. I’ve gotten these offers on crappy $10 earbuds, pet hair vacuum cleaners, and brass floor lamps.

Why are companies pushing these special extended warranties? And how do you know if purchasing one is in your best interest?

I’m proud to say that I’ve developed a formula to answer this very question, and I’ve put it into a helpful flowchart for all you good boys and girls. But it wouldn’t be a Kitty article if I didn’t bury my lede under some quasi-socialist deconstructions of consumerism first!

Why are companies pushing these special extended warranties? And how do you know if purchasing one is in your best interest? I’m proud to say that I’ve developed a formula to answer this very question, and I’ve put it into a helpful flowchart for all you good boys and girls.

(more…)

Read More

It's not a goal, it's a wish your heart makes when you're fast asleep.

Raising Awareness About “Raising Awareness”

Our spectacular, gleaming, aerodynamically-sound Patreon patrons have once more voted on the topic they’d like us to explode with our thermodynamic wisdom and our nuclear gifs. Their selection was:

“What’s the deal with raising awareness?”

Okay, okay, my language was actually a good deal more colorful. I think the phrase I used was “raising awareness is a fucking scam” or “raising awareness is the biggest scam of all time,” something like that. Yes, I could look it up, but no, I will not. The past is in the past! We live in the now!

Yes, it’s true. I have some… strong thoughts on raising awareness.

Snap on your LiveStrong bracelets, fill you ice buckets to the brim, and get ready to drill down into this topic—with a Susan G. Komen branded drill, of course.

(more…)

Read More

Dropping our first egg into a pot of boiling water felt strangely like dropping our first grand baby into a roiling cauldron.

So I Got Chickens, Part 3: Baby’s First Egg

Guys, there’s been a lot of movement on the chicken front. And if you just pictured chickens in tiny military uniforms, good, that was my plan all along.

Military chicken.

It’s been just over six months since we got chickens. When I wrote the first post in this series, it was really about expectations. I wanted to lay out the pros and cons of the experience, and why I’d ultimately decided to pull the trigger on obtaining six little day-old chicks from my local agricultural store.

The second part was a major bummer, written after one of the chicks died. It was about how raising living things is hard fucking work, and it’s incredibly sad when they die before their time. But ultimately it didn’t shake my commitment to my choices. It reaffirmed them.

Today’s post is a significantly happier one. No ugly crying this time, I promise! Because as our Twitter followers already know, my chickens finally laid their first egg.

(more…)

Read More

You shut the hell up and learn about cognitive behavioral science while looking at my collection of chocolate cake gifs!

Making Decisions Under Stress: The Siren Song of Chocolate Cake

I’m a slut for studies.

I love random, weird studies that reveal surprising and bizarre correlations. And I’d like to take you through one of my favorites today. It’s called “Heart and Mind in Conflict: the Interplay of Affect and Cognition in Consumer Decision Making” and it’s about the ways that stress affects our ability to make good choices.

Oh, and more importantly: it stars a fat slab of chocolate cake.

AWWWW YEAH

(more…)

Read More

Let's get down to the EXTREMELY ANALYTICAL CARNAGE.

Investing Deathmatch: Traditional IRA vs. Roth IRA

Two methods of investing in the stock market enter the ring.

Only one will leave victorious.

Welcome back to another installment of… INVESTING DEATHMATCH!!!!!!!!!

If you’re one of our Patreon supporters, there are four things I know for sure about you. One: you’re beautiful on the inside and out. Two: you’re powerful, also on the inside and out (like, you are spiritually intimidating and also extremely muscular). Three: You have excellent taste in blogs run by women who are emotionally in their mid-seventies but physically in their early thirties.

The fourth and most important thing I know about our Patreon supporters is that once a month, they get to choose a topic for an upcoming blog post. And this month they selected a battle royale between traditional IRAs and Roth IRAs.

So if you enjoy this week’s post, you have our gorgeous, strong, good-taste-having, democratically-empowered Patreon supporters to thank for it. Please consider becoming one, or continue to aspire to grow up to be one.

So real.

Now let’s get down to the EXTREMELY ANALYTICAL CARNAGE.

(more…)

Read More

Disney princesses can be tomboyish, ambitious, martial, hoarding bookworms of any race under the sun--but under no circumstances may they have short hair.

Short Hair DO Care: Why Is Short Hair Still Controversial?

Our recent article on looking weird at work got a lot of great feedback, so I thought I’d do a follow-up on hair length as well. It’s a fascinating topic by the standards of someone who greatly enjoys very boring topics.

Hair is a very weird thing.

It’s a body part like no other. Science tells us it is made of rhinoceros horns. Don’t argue, it’s science. It is malleable in ways that our necks, toes, forearms, areoles, and most other body parts are not. It moves, sways, bounces, and whips around sexily when you’re standing on a beach thinking about the lover you left behind when time traveling back to dinosaur times. Again, this is science speaking.

OH HOW PRETTY.

It’s also one of the most immediately visible differences between men and women. And as such, it’s one of the most important cultural signifiers of femininity. Which is why women cutting their hair is so often interpreted as some kind of subversive act.

(more…)

Read More

Hogwarts Arithmancy classes clearly do not cover compound interest.

When Money in the Bank Is a Bad Thing: Understanding Depreciation Expense

Here’s a riddle: when is $100 worth $97? 

The answer is: when you put it in the bank a year ago.

Being frugal and being money-savvy are actually two very different skills. The former requires self-discipline, planning, and a strong sense of the relative importance of resources. The latter relies more on understanding how to take advantage of existing financial systems, economic regulations, and mathematical quirks.

Think of it this way: a frugal person packs their own lunch, whereas a money-savvy person itemizes it.

Depreciation expense is one of those mathematical quirks. It sounds tricky, but it’s really not! And if you know how it works, you can make it work for you.

(more…)

Read More

We promise to continue our mission.

It Takes a Village: Become a Patron of the Bitches

Piggy and I launched this blog in January of this year. The level of positive engagement we’ve received in only eight months is completely shocking to us.

We’ve received a number of site comments, social media shares, and private messages with folks thanking us. According to these beautiful people, our little blog has pushed them to ask for raises, encouraged them to seek new jobs, inspired them to refocus their finances, and absolved them of unnecessary self-flagellation.

And guys, that makes us feel really, really, really, really fucking good.

As we’ve stated before, the reason we run this site is to help. Bad, outdated, irrelevant, damaging financial advice is everywhere. Seeing it—and knowing that many people must fall for it—makes our actual hearts turn into cartoon hearts that break along perfectly triangular jagged edges. Knowing there are good people out there getting tricked, swindled, guilted, ripped-off, shamed, and drained makes cartoon steam come out of our ears. (The cartoon steam gives us actual second-degree burns. Please send Neosporin.)

For this reason, we’ve never had a plan to monetize the site. The easiest ways to do so just didn’t sit right with us. Sponsored content disguised as our own words… product reviews and advertisements for stuff you likely do not need… irritatingly pervasive pop-ups and click-to-exit ads. We get offers to do this stuff in our inbox every single day. And we reject them all because they go against our core mission.

But now we’ve run into a problem.

We’ve gotten too popular for our own good.

(more…)

Read More

If the only time I hear from a friend is when she needs to borrow my car for the afternoon, I start to assume she likes the car a lot more than she likes me.

Are You a Frugal Mooch?

Sometimes, the quest for frugality can drive us to do ugly things. One of those things is mooching.

You probably know some mooches in your life. I know I do! In every social group, there’s That One Guy who comes to every party, eats and drinks as though he’s storing up for a long winter’s hibernation, and never offers to bring anything or chip in. He begs rides and never offers gas money. If you do him a favor, you’re extremely unlikely to be thanked with a kind word, a gift, or a return favor in the future.

On the other hand, in the rare instances where That One Guy actually orders a pizza for the group, out comes the calculator. He’ll send you a dead-serious Venmo request for $2.40 for your 1/8 of the pie. And no, he did NOT forget to factor in the tip, sales tax, or delivery fee.

(more…)

Read More

The most complex thing my parents taught me to make was a slice of cold cheddar cheese placed upon a dry Wheat Thin, a culinary innovation known in some circles as a Protestant Patty Melt.

Why You Should Learn to Cook

I take cooking pretty seriously. The fact that I catered my own wedding should give you a pretty good benchmark for just how seriously. I’m in the background of most of my own wedding photos as a blur in a white dress and a stained apron.

Nobody taught me how to do it—I taught myself the moment I realized the extent to which buying premade food was killing my budget.

The amount of money you can save by preparing your own food is staggering. But as cooking became my habit, I discovered all sorts of unexpected additional benefits to my social life, physical health, mental well-being, and even my sex life.

Please go into this article with a basic working knowledge of the works of Frank Herbert, as there is a joke later that I think is really funny.

(more…)

Read More