Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick

Kitty was once at an event where a credit card company was hawking their new cash rewards credit card. The credit card rep excitedly told her about all the cash back rewards she could earn by using the card, and how the interest wasn’t even “that bad!”

But mama didn’t raise no fool. Instead of falling head over heels for low interest, Kitty asked, “But what if someone pays off the credit card debt in full and on time? Will they still get the rewards?”

“Ah,” the credit card rep sighed, “we call those people deadbeats.”

A deadbeat, Kermit.

That’s right: deadbeats. Credit card companies fucking hate people like Kitty and I. And that’s exactly how we like it!

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{ MASTERPOST } Everything You Need to Know about Investing for Beginners

Long after the Cataclysm, when the Reavers stalked the Land and life in the Before Times was but a distant memory, there were those who sought to understand the past. They sifted through the rubble of long-forgotten cities, searching for clues to the life of prosperity and ease their ancestors had enjoyed.

Ticker tape was found, and a dusty DVD of The Wolf of Wall Street. These artifacts were carefully preserved and venerated, mystics and scholars studying them to unravel the Deep Mysteries. There was a ritual known as “investing,” which took place in a temple called “the stock market” and bestowed upon the masses “dividends.” Could this be the key to the prosperity and opulence of their ancestors?

Only time would tell.

But there were some who remembered the Wysdom of Thee Bitches. You could hear these cultists crying out in the darkness, amidst their nightly rituals, “It’s about time IN the market! Not timING the market!” as they cackled and danced.

It’s been said you can’t save your way to financial independence—you have to invest your way there. But investing in the stock market seems like a complicated, daunting practice reserved for rich people and the bebuttsticked class. In the articles below, we attempt to demystify investing into something everyone can—and should—do.

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Ask the Bitches: How Do I Prepare for a Job Interview on Zoom?

Ask the Bitches: How Do I Prepare for a Job Interview on Zoom?

Dear readers… we’re no Ask A Manager. We’re more like Ask A Bargain Bin Manager. Or Ask Someone Who Once Played a Manager on TV. Even Ask Ask A Manager’s Opinionated Knockoff.

But we do love getting questions we’re barely qualified to answer! Like this one, from an anonymous bitchling:

Hey Bitches! I just wanted to say THANK YOU for all the amazing advice! On another note, I have an interview coming up next week, and I’m STOKED that I’m being considered for this position. Only problem is… it’s on Zoom. How do I prepare for a job interview over video chat??? How can I stand out in comparison to other candidates, especially through a computer screen? Thanks!!

– A wild bitchling, rampant on a field of goldenrod
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How to Painlessly Run the Gauntlet of a 401k Rollover

If we’ve taught you nothing else here at Bitches Get Riches, it’s that you should:

  1. sign up for your employer’s retirement plan and
  2. job hop your way to a nice fat salary.

Yet these two bits of career advice might seem to conflict with one another. After all, if you’re job-hopping your way up the salary food-chain, you might be leaving a trail of old retirement plans behind you to languish. What do you do with your old 401k when you move on to a new employer, or even embrace self-employment?

Enter the 401k rollover: the most hateful, obnoxious, and needlessly complicated bureaucratic process known to man.

Today we’re not only going to demystify the process of how to roll over an employer-sponsored retirement plan like a 401k—we’re going to make it beautifully, sinfully painless. It’s going to be so much fun you guys!!!!!

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How to File Your Taxes FOR FREE in 2022: Simple Instructions for the Stressed-out Taxpayer

Listen up, babies. We’ve been dancing around the issue of taxes for a while now, and it’s time we got to it. Yes, we’ve explained the importance of taxes as a fee for membership in civilization. We’ve told you why you should file your taxes ASAP. And we’ve even told you about that time the IRS audited me!

It’s time to face the beast head-on. It is our sacred duty, as your duly appointed Bitches, to take you through this unpleasantness step by step.

Yea, though you walk through the valley of the shadow of income tax, you shall fear no audits; for We art with you; Our gifs and Our snark they comfort you.

-The Book of the Bitches, 3:7-9
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They’re Lying to Us About the True Causes of Inflation

Sigh. Fine. Let’s talk about inflation. Everyone else is!

Inflation is the highest it’s been in four decades. Which you know if you’ve paid attention to the news or had the misfortune of listening to a conservative Boomer dad complain recently. If you’ve casually absorbed information from these sources in recent weeks, then you’ve probably also heard that a) there’s no end in sight, b) this is all the government’s fault, and c) nothing can be done to stop the vicious shadowy hand of inflation!

In the words of noted jelly bean lover Ronald Reagan, “Inflation is as violent as a mugger, as frightening as an armed robber and as deadly as a hit man.” (Join our Patreon to make our weekly newsletter Giraffes That Look Like Ronald Reagan a reality.)

Scary stuff, right? Won’t somebody please think of the [checks notes] price per barrel of crude oil????

In all seriousness, I have to work hard to make jokes about inflation. Because it has real negative effects on real people who could really use a fucking break right about now. Somebody choosing between buying overpriced milk for their kids or overpriced gas for their commute to work probably doesn’t give a shit about what’s to blame for high inflation. They just want it to stop.

Which is why today I’m going to toss out all the usual inflation red herrings—the political convenience of using inflation to shit on the current administration, for example—and distractions. And then I’m going to talk about the real struggle.

… the CLASS STRUGGLE, of course!

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How to Save Money on Your Beloved Pets

Here at Bitches Get Riches, we don’t just think pets are better than people—we believe it with every fiber of our ornery little hearts. Down with the anthropocene! We welcome our fuzzy lil’ treat-obsessed overlords!

Here are 23 ways you can save money on pets, from food and toys to veterinary care and boarding.

I’ll be the first to admit it’s pretty dog-and-cat-centric, so your mileage may vary. But in my defense, I treat my chickens like queens. I’ve even gone so far as to build them the Taj Mahal of chicken coops and feed them organic heirloom kale straight from the garden. So when it comes to barnyard animals, I have exactly zero experience in being frugal.

Save money on pets... unless they're a flock of spoiled, entitled, lazy egg sluts.
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How To Support a Labor Strike with 3 Simple Steps

Today is a momentous day, dear readers! For today I’m using ~*current events*~ to teach you a relevant thing about the world. Instead of pulling it straight out of the depths of my own ass, like usual. You’re welcome!

The employees of King Soopers—one of the largest grocery store chains in Colorado, and my personal neighborhood grocery store—just went on strike and won. And while the actual labor strike itself only lasted a total of ten days, it was a textbook example of the genre. From the workers’ motivations, to the company’s reaction, to the negotiations, to the community support, we hit every step in the classic life cycle of a strike.

And much like the Krebs Cycle, it was orderly, justified, and important to all life on earth. I’m proud that I could contribute to the labor strike in a tiny way, as a supportive consumer. Let me show you just how so you too can enjoy the smugness of supporting a labor strike!

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Post a Salary Range in the Job Description, You Fucking Cowards

One of my favorite blogs, the ever brilliant Nonprofit As Fuck, has this great piece titled “When You Don’t Disclose Salary Range on a Job Posting, a Unicorn Loses Its Wings.” It’s a snarky, 100% accurate treatise on the evils of not including a salary range in the job description.

When I read it I felt like Bono listening to Hozier’s Take Me to Church for the first time: furiously jealous that I hadn’t written it myself.

Salary transparency in the hiring process has become my sacred battleground. Few things get this money nerd’s hackles up like the unfair, unethical, and straight up bullshit practice of salary secrecy. This righteous fury is bursting out of me and it can no longer be contained!

Because let’s be honest: no one gets a job because they’re enthusiastic about the contents of the company’s vending machine or the color of its cubicle walls. We work jobs for the compensation. We work to earn an income that will support ourselves and our families. Money, health insurance, retirement funds… all of this is far more important to a job candidate than anything else an employer has to say in the job description.

Job candidates want to know they can afford to work a job before they apply. They don’t want to wait through two interviews and a job offer to find out if the compensation will pay their rent and student loans. To pretend otherwise is ludicrous, irresponsible, naïve, and insulting.

So put a salary range in the job description, you fucking cowards.

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How to Start Small by Saving Small

How To Start Small by Saving Small

“If you don’t start saving your money when you’re young, you’re going to die impoverished, overworked, and alone!” says every personal finance guru ever to young people just starting out in the world.

And while it’s only a slight exaggeration, this kind of enormous pressure can be overwhelming and demoralizing when you’re just starting to get your financial life under control and barely bringing in enough money to make ends meet.

So what’s a young, financially inexperienced person to do? What’s anyone with bills and debt to do with the specter of an empty savings account looming and no solution in sight?

The answer, as with most personal finance, is to start small. Because when saving, your little savings really do add up.

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