Piggy, Author at Bitches Get Riches • Page 3 of 23

How to Instantly Increase Your Credit Score… for FREE

March 21, 2023March 21, 2023 Piggy 16 Comments

While we were in the mystical city of Cincinnati recently, we did a live Drunk AMA on YouTube! It was great. We slow-flossed to a church hymn and dispelled the rumor that Ducky is, in fact, a vampire.

One of the questions we received was about Experian Boost. It’s just one of many services that offer to raise your credit score… for a fee. Even in our chaotic drunken state, we were lucid enough to unequivocally recommend that most of you shouldn’t bother with these paid services. There’s an easier, faster, and free way to raise your credit score!

Since not everyone wants to suffer through a 97-minute YouTube video of our collective vocal fry, I am now here to share the wisdom of how to instantly raise your credit score for free. Cast aside those paid services that promise you a better credit score! This is all you need to know.

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

March 7, 2023March 2, 2023 Piggy 10 Comments

You check the mailbox. In between the ubiquitous Bed, Bath & Beyond coupon, snail mail from your Aunt Clarita, and a bill you’d rather ignore, you see it: you’ve been pre-approved for a brand new credit card!

Holy shitballs, what luck! Of all the random folks with mailing addresses, you have been deemed special enough to receive a credit card pre-approval offer! Bring out your finest meats and cheeses, for surely this means you are that most superior of beings: a person worthy of credit! Dance about the maypole and imbibe your most decadent libations!

You should call your bestie, your family, your therapist! Things are looking up now that a credit card company has bestowed upon you a pre-approval offer. Cancel your evening plans, for you need to respond to this with… an application? For… a credit card? For which you’re already… “approved”???

Something’s off. If you receive a credit card pre-approval offer in the mail, shouldn’t that mean you don’t need to apply for it? Especially since you didn’t even ask them to consider pre-approving you.

Today we’re going to teach you what those credit card pre-approval offers are really all about. And we’ll show you exactly what to do with them. It’s easy, it’s fast, and anyone can do it! Read on to learn The Deep Magicke.

Cheat on Your Bank—It’s Not Your Girlfriend

February 21, 2023February 21, 2023 Piggy 16 Comments

Did you know you can have more than one bank?

It’s true! And in fact, it could actually be good for you and your financial situation. You can spread your money out among as many banks, credit unions, and investment firms as you like. Fidelity (the act of being faithful, not, y’know, the giant international banking corporation of the same name) counts for very little in the world of money management.

This topic was inspired by some of our wee baby bitchlings agonizing over the idea of spreading their money around to two or—gasp!—even more banks. These aspiring rich bitches came to us, all cute and nervous because they were worried about being disloyal, or even risking punishment by starting a savings or investment account outside of their primary bank.

“Am I allowed to put my money in multiple banks?” they asked. To which we replied: “Cheat away!” As Camilla Parker Bowles-Windsor is my witness, side ~~chicks~~ banks are totally allowed.

It’s one of those things no one really tells you when you’re first getting your adult finances together. Because of course you can use more than one bank!

And in fact, it may even be in your best interest. Here’s why.

Season 4, Episode 12: “I’m Considering Moving Across the Country With My Partner. How Hard Is It To Start Over?”

February 8, 2023October 8, 2023 Piggy Leave a comment

IT’S THE BITCHES GET RICHES PODCAST SEASON FINALE!

That’s right, Bitch Nation. Our twelve-episode season has come to an end and we’re so grateful you’ve stuck with us for it all. And if you haven’t, then you’re dead to us. We value loyalty very highly. Don’t tell us you’re getting your dick jokes about money somewhere else.

This is the episode in which we become the dating advice column we’ve always wanted to be. Enough with this pErSoNaL fInAnCe nonsense! Bring on the marital strife and daytime talk show material! We have strong opinions and we are RIGHT!

Our discussion this week is packed with harrowing financial and relationship decisions. How do you know when you’re ready to move in with a significant other? And what if that means moving 900 miles to a whole different community? How do you start from scratch in a brand new place, with no one but your romantic partner for company?

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly

February 2, 2023July 12, 2023 Piggy 1 Comment

Federal student loan forgiveness has been through a lot recently. She’s not looking pretty. She needs a massage. Her T-zone is breaking out. Which means this article does not reflect the current state of loan forgiveness. We’re leaving it up because we think it contains useful context. But if you want our most current news on student loan forgiveness, you can find it here.

Remember back in August of 2022 when we were all stoked to hear about the Biden Administration’s plan to forgive federal student loan debt? Yeah. Things have changed.

I’m here to update you on the status of federal student loan forgiveness. Shit’s complicated though, so if you didn’t read our FAQ about the program when it was first announced, you might want to get that background before reading any more. Go ahead, we’ll wait.

Now that you have the background, I’ll give you the latest on where federal student loan debt forgiveness stands, along with some guidance on what student loan borrowers can do from here. Spoiler alert: there’s Bitch-on-Bitch drama at the end.

Season 4, Episode 9: “I’m on the Wrong Career Path. How Do I Convince a New Industry To Take a Chance on Me?”

January 18, 2023October 8, 2023 Piggy 3 Comments

Hello and welcome to another edition of Using Only Gifs, Let’s Get a Song Stuck In Your Head!

Just kidding. It’s actually an episode of the Bitches Get Riches podcast! But while brainstorming titles for this episode, I got ABBA stuck in my head. And misery loves company, soooo…

Bitchlings, we love talking about career transitions. It’s always so magical and rewarding when it happens! My own career transition was an agonizing decision and process that actually resulted in one of the most rewarding jobs I’ve ever had. So we’re thrilled to impart some of that wisdom to our question asker this week.

Is that wisdom to in fact sing ABBA at new employers until they take a chance on you? BITCH, IT MIGHT BE. Watch the episode to find out.

Barbara Sloan’s New Book Dares To Suggest Service Industry Professionals Deserve Financial Stability Too

January 12, 2023January 12, 2023 Piggy Leave a comment

Last year at the EconoMe Conference in Cincinnati, Kitty and I were excited to meet many a cool human. Much to our general shock and consternation, many of those cool humans were excited to meet us too! And not just because we were like “Hi we’re friends with Paula Pant.”

This is where we met Barbara Sloan, founder of Tipped Finance. Barbara is a veteran of the tipped workforce: a former waitress, bartender, stripper, and several other tipped professions. More importantly, she’s also a huge money nerd. She has made it her mission to dispense financial know-how specifically tailored to service industry professionals! And she does it all with the fierce determination and tireless badassery we like to see in our women.

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

January 5, 2023July 31, 2023 Piggy Leave a comment

You didn’t want to watch a scary movie. But your friends at the 10th-grade sleepover insisted. “It’ll be fun!” they said. “Don’t be chicken!” they said.

Now you find yourself huddled under blankets on the couch in your best friend’s basement rec room giggling nervously over popcorn and hoping you won’t pee yourself at the first jump scare. Your friends shush each other as the movie starts.

Creepy music ushers in the opening scene. Lighting and thunder clash on the screen. With the lights turned off and you trembling with fear, the title of tonight’s horror movie flashes across the screen: Credit IV: It Comes for Us All.

Watching horror movie Credit IV: It Comes for Us All

One of the most common questions we get here at Bitch HQ is “… creeeediiiiit??????” And that’s not surprising! The system of credit reporting, credit scores, and credit cards is hella confusing. It’s also pretty fucking classist, racist, and ageist… by design. Heckin’ scary, man!

So to fulfill our mission of [checks notes] sticking it to The Man by democratizing financial acumen, we’ve written and said a ton on this topic. Here it all is: our primer to understanding and managing your credit so you can use it to get ahead… or at least prevent it from getting you down.

Season 4, Episode 7: “A Coworker Smells Bad. How Do I Address This Super Awkward Issue at Work?”

January 3, 2023January 3, 2023 Piggy Leave a comment

NEW MOM ALERT! NEW MOM ALERT! LAUNCH THE ALERT FIGHTERS!

That’s right, bitchlings. Your humble Bitches have a whole entire NEW MOM. Her name is Kathleen and we are devoted to being good daughters to her. We do that by delivering spicy, spicy nuggets of adulting wisdom, served up with a soupçon of rage against the machine and/or patriarchy. And in return, she bestows upon us the highest tier of our Patreon donations!

Mama Kathleen, we’re so grateful for you and your generous patronage. We hope to make you proud.

Now, on with the program!

This time we’re covering a case study we simply couldn’t resist. Namely: How do you handle extremely awkward interpersonal issues in the workplace? Do you stage an intervention? An Ocean’s 11-style heist? An elaborate play the likes of which would make Hamlet look decisive and direct by comparison? Do you change your name and leave the country???

Or is the answer “none of the above”?

Our solution (hopefully) will not surprise anyone.

Season 4, Episode 6: “I’m Not Feeling Challenged at Work Anymore. Does That Mean It’s Time To Move On?”

December 20, 2022October 8, 2023 Piggy 6 Comments

Do not adjust your speakers. This week’s episode of the Bitches Get Riches podcast does indeed start with chicken noises and saxophone mouth sounds. And we’re not even sorry.

Today we’re discussing a very good problem to have. What do you do with yourself once you’ve successfully aced your job and you’re out of challenges at work? Do you stick around, resting on your laurels? Or will that stagnate your career progress and turn your mind slowly into mush?

Anyone who’s stuck around here for long knows our thoughts on the matter. And they’re definitely more DTMFA than have-a-nice-cold-pint-and-wait-for-this-all-to-blow-over.