Refinanced My $40,000 First Car!

In January I was able to refinance My $40,000 First Car with a local credit union. My interest rate went from 22.95% to 7%. Monthly payments went from $490.98 to $306.51. I’ll be on the hook for this until …

 

My Top 5 Side Hustles 2019: Earn an Extra $1,000 Per Month

We live in a 24/7 on-demand economy. At any moment if somebody wants something or wants to be somewhere all it takes is a click of a mouse or a tap on a phone. As someone trying to achieve …

 

What is the UltraFICO Score? How does it work?

There is a lot of buzz in the credit score world regarding the UltraFICO Score. What exactly is the UltraFico Score? Will it help or hurt my credit score? How does it work? These are just a few questions people …

 

My Black Friday Arbitrage Deal – Over $100 in Profit

Best Buy had a 43inch Toshiba 4k Smart TV at a great discounts. These things were selling like hot cakes.  The TV is regularly priced around $300, Best Buy has on discount at $129.95. With tax it cost me …

 

EveryDollar Review: Dave Ramsey’s Budgeting App

EveryDollar is a free budgeting app that comes from the Ramsey camp (not to be confused with the Dave app). It works under the idea of “zero-based budgeting.”
This is when you divide your monthly paycheck among your

 

Credit Score Update October 2018 – I Have Good Credit!

MFICO credit score has passed 700! A couple of months early than I predicted, which is great. Now I’m considered to have good credit. This should help me get a better refinancing deal on my $40,000 first car

 

Mega Millions – 51 Tickets Case Study

Please be aware that I consider this a experiment and not gambling.

Any time the mega millions lottery gets close to a billion dollars anywhere you go you’ll hear people talking about. I have heard stories about what people …

 

My First Car Cost Me $40,000 – Upside Down Car Loan

I finally obtained my driver’s license in summer 2018 (22 years old) and I had $1,000 saved up to put a down payment on my first car. So I browsed around on CarGurus.com to figure out what car I wanted. …

 

Lyft is Paying You Not to Drive Your Car!

Lyft is running a promotion called #DitchYourCar. In 35 cities, that they operate in, their giving 50 people the chance to get around for free. Where if you win you’ll be given $500 worth of credit for transportation …

 

My Credit Cards: September 2018

In the months of July and August 2018 I opened 3 new credit cards. When I applied for these cards my fico score was 590 and I had no collections on my report.
Being that I’m not a college …